davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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. ()

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (IL)

I was notified by my credit reporting notification on my phone that Wells Fargo bank pulled my credit report. I immediately called them and a fraud investigation was completed because I never authorized this. Wells Fargo completed there investigation and sent me a copy that they would have the inquiry removed from all XXXX major credit bureaus XXXX, XXXX, and XXXX.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (WI)

U.S. Bank is not doing its due diligence when disputes are filed and providing misinformation. They have done this on multiple occasions until it was past the correct timeline for a dispute. They will claim it's 120 days from the date of purchase, but the visa guidelines is 120 days from the date of purchase or the date last expected to receive the merchandise/service but not exceeding 540 days since the purchase. They will refuse to file the dispute or will immediately reject it starting it's more than 120 days since the transaction even if it's a preorder or a subscription with multiple items being shipped throughout the year. When confronted with the fact that it was misinformation provided, they refuse to even investigate it and try to correct it.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-12-03
Product: Credit card — Store credit 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: CITIBANK, N.A. (TX)

On XX/XX/2023. Someone charged {$430.00} to my Best Buy account from a different city than where I live. I reported this to Best Buy credit service and they canceled the card and reissued it. They also credited the charge. However, when I got the new statement, Best Buy charged my account {$430.00} x 3= {$1200.00}. On XXXX XXXX, when I called to have this corrected ( XXXX ), they said I would have to wait 60-90 days for their investigation to conclude. I told them to please credit off the account as they promised, which I was told they would and I canceled my account. Today, XX/XX/2023, I was contacted by Best Buy to bring my account current with a {$29.00} late fee and {$32.00} interest. Bringing this amount up to {$1300.00} of which I never charged. They told me to contact security operations again ( XXXX ) to correct the problem. After two months, I do not believe I should have to deal with this any longer.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2024-05-08
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. (MI)

.On about XX/XX/year> I submitted the following affidavit and information to all XXXX bureaus that my consumer report is being used without my authorization and I suspect identity theft is involved. I have not accessed my credit report or authorized any one or any business to pull my reports I filed bankruptcy for purposes of Identity theft. 
I submitted my affidavit and information to the XXXX bureaus along with my police report and have not received any responses. To the facts.my information and on my consumer, reports is being compromised as well as my identity. 
Enclosed you will find inquiries from the same repeat banks every couple of months there are over XXXX inquiries from unauthorized banks and lenders without my knowledge and or authorization. 
I am requesting that all inquiries and negative information relating to these inquiries be removed I have placed a fraud alert on my credit report. 




,
Consumer complaint received 2023-09-21
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2020-07-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

I received a Affidavit of Default and Notice of Termination of Automatic stay from The Law Offices of XXXX XXXX, which is my mortgage company 's ( Caliber Home Loans , Inc. ) attorney. The Affidavit states that Caliber Home Loans , Inc. has not received my monthly  mortgage payments for the months of XXXX, XXXX and XXXX of XXXX for a total amount of {$4500.00}. The Affidavit that was filed is not only false and incorrect, but also shows how poorly ran and inconsistent this company is. For the months stated in the Affidavit, I  made payments with a cashier 's check from my bank ; which I went to and obtained statements for proof. Not only did Caliber Home Loans, Inc receive my monthly mortgage payments, my statements showed that all checks were cleared. I gave my attorney proof of all documents and she then sent them over to Caliber Home Loans attorney, XXXX XXXX, and contacted him to explain the situation. He explained he will contact Caliber Home Loans and be in contact with her soon. My attorney contacted me a couple days later and explained that Caliber checked their records and instead of owing {$4500.00} I now owe {$1100.00} instead. And this {$1100.00} isn't for the three months stated in the affidavit, its actually from last year XXXX of XXXX. This is absurd! How do you go from filing a judgement for missing payments for the last 3 months for a total of {$4500.00} to now disregarding that amount and saying, I now owe {$1100.00} for last year XXXX of XXXX. This company is dishonest, unorganized and untrustworthy and that's very disturbing because these are the people that I have to pay every month. My monthly statements that I receive from Caliber Home Loans, Inc. also does not reflect the payments that I have made. Due to the current pandemic and with all that's going on, there is a high percentage of credit fraud and identity theft. This is very unacceptable and to say the least frightening. Attached is proof of documents in regards to this entire situation.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

I am writing to formally address the ongoing issue regarding late open accounts on my credit report and express my frustration with the several unsuccessful attempts to have them corrected and removed. Despite repeated efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. 

Since discovering the late open accounts and charge off accounts on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify these issues. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2400.00}.
Consumer complaint received 2023-12-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I asked Bank of America XXXX XXXX XXXX XXXX XXXX  XXXX of Regulatory Complaints to provide me with the Law that states they can deny me credit.

15 USC 1691 which states ; ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction Please provide me a Law that states I can be denied Credit ......
Consumer complaint received 2024-05-04
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: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a current credit card account with CapitalOne that I had for many years. The card, card balance, available credit, and payment history are not showing on any of the 3 credit bureaus ( XXXX, XXXX, and XXXX ). I reached out to CapitalOne and they said they have been reporting the card. I reached out to XXXX but they could not help me with any useful information and instead tried to sell me paid membership.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (PA)

On XX/XX/XXXX I opened up an account using a promo code that would give me a bonus if I met criteria... The criteria was to have {$10000.00} deposited within the account within the first 90 days and maintain that balance the entire time for a following 45 days to receive your bonus. XX/XX/XXXX was the XXXX day after my XXXX day after opening the account. On XX/XX/XXXX I called the bank asking why I had not received my bonus yet, and if I had met all of the criteria to earn my bonus. 

The rep did some digging and found out that I had met the criteria and told me that I would be getting the bonus at the end of XXXX probably a payment would be credited by XX/XX/XXXX at the latest. 

The problem here is that I was told that I would be credited on the XXXX day after 90 days after opening the account, so m & t Bank is engaging in false advertisement again, as numerous banks do. 

The funds should be in my account now, but m & t Bank has lied so they can keep my money tied up longer than we agreed on contractually. 


Ref # XXXX- XXXX, XX/XX/XXXX starting at XXXX, XXXX minutes phone call recorded for quality purposes.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-09-21
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. (NY)

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.
Consumer complaint received 2024-05-18
Product: Credit reporting 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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been unable to view credit score and report from Equifax which includes other websites like fico score in regard to Equifax credit. They have recently stated that even though they have access to both my social security and Drivers license, my credit is on hold are refuse to remove hold even with a verification of my identity. While I am able to dispute some incorrect information, others I have to call in and am given a hard time continuously having to dispute other information that other bureaus have corrected. There investigation takes less than 24 hours with little to no change and no update to what has been done.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TN)

Complaint : Funds held by Chase with no path to resolution. 

I am writing to file a formal complaint regarding a distressing situation my wife and I encountered with our joint account. On XX/XX/2023, we visited a Chase branch to open a joint checking and savings account, depositing a total of {$74000.00} in cash and checks. 

Specifically, {$56000.00} was deposited into savings, including a significant {$20000.00} check. An additional {$18000.00} was deposited into checking, intended for transferring funds between banks. Unfortunately, both the {$20000.00} and the {$18000.00} checks were immediately placed on hold. 

On XX/XX/XXXX, when attempting to transfer funds from savings to checking, I discovered my account was frozen ( no movement in or out ). After contacting Chase on XX/XX/XXXX, I was informed that due to the check holds, the entire account was frozen, with instructions to call back on XX/XX/XXXX to resolve the matter. 

Despite my efforts, on XX/XX/XXXX, I was told the account was still frozen, and verification was needed for both the {$18000.00} checks and I would need to call back the following day. 

On XX/XX/XXXX, when I called again, I learned for the first time that the {$20000.00} check needed verification, and my account would be closed if not resolved by XX/XX/XXXX. 

When attempting to verify the checks, I was informed the writer of the {$20000.00} check has no associated phone number in a chase system, making verification impossible. Shockingly, I learned the funds would be held for XXXX to XXXX years and, if not verified, sent to the state. Despite my pleas, the representative provided no steps for verification and claimed there was nothing they could do. 

I deposited all my money, transferred my direct deposit, and now face almost a month without access to my funds, causing significant stress, inconvenience, and financial hardship. 

The lack of transparency in this process is deeply concerning. I was not informed about the need for verification until XX/XX/XXXX, with no guidance on completing this process or registering the sender 's phone number. Additionally, the threat of account closure without proper resolution is unacceptable. 

I urgently request a resolution to this matter and appreciate your prompt attention to this complaint.
Consumer complaint received 2024-05-03
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. (MI)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jana Ferrell & Associates LLC (OK)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.