davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (TX)

Hello my name XXXX XXXX Im owner of business in state oXXXX XXXX  My business name XXXX XXXX XXXX XXXX On XX/XX/XXXX I when to my bank and set down with my banker her name XXXX XXXX To file I dispute on a charges that I made on my account and supposed to be returned back to my account and after contacting the merchants about the refund back to my account, the merchant had informed me that they can not refund anything because they did not have any more information about the transaction, and all the information to follow a dispute with my bank and my bank will return it back to me on XX/XX/XXXX. Me and my banker will follow formal dispute and after that on XX/XX/XXXX, my account was charged another transaction from the same place that I did not make for a fraud charges for almost {$18000.00} and the charges of XX/XX/XXXX almost {$30000.00} And to my other bank account that I have with the same bank same merchant on XX/XX/XXXX, charge my account for almost another XXXX or {$10000.00} to the same card that I have for the other bank account on when XX/XX/XXXX, I contact the bank to check the status of the dispute. The bank has informed me that they have denied dispute and they did not wan na file it or send it. to the transaction, Amegy Bank XXXX XXXX felt to protect me as a consumer and fail to protect my money and I also almost lost around {$70000.00} of all these transaction my banker she have no information about it. She can not provide me any info why the dispute was denied from my bank. The merchant never received a dispute or never filed evidence to them, we have contact them again today and the merch and have them for me that I need to file a formal dispute with my bank. 

My bank name amegy Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My phone number XXXX
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Business Bureau, Inc. (CA)

I was never contacted or notified of any debt collection, secondly I never been to XXXX XXXX XXXX. I refuse to pay this debt because it isn't mines. If this is truly under my name and social this is identity theft, because I never in my life step foot in that place.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MA)

In XXXX, I. XXXX got back, I realized my auto payments had not been being paid. I called Santander consumer and the said it was charged off. However they said I could get caught up and start making payments again and then it would be ok. So I paid my back owed and have been paying off the car for last four years. I finally paid car off and received my title. However on checking my credit report I saw that it still was showing as a charge off and a balance still owed. I disputed it through XXXX and just saw that my dispute was done so looked at the changes. The only thing that changed was the balance and that is still wrong there is no balance due but it says there. And it still shows charge of for last 4 years. Nothing reflects the fact that I got caught up with the months I was behind and paid my payments for last four years and that I have title and full ownership of this vehicle now. This is not fair credit reporting. In other words even though it was brought up to them the mistake they still refused to properly fix it and intentionally reported false info saying I still owed on it as of XX/XX/XXXX. The car was payed of last year in full. I hope I've worded this in a way that fully explains how wrong this was of them. If you need anything else please let me know if I missed anything. I need this to reflect the fact that even though I did miss those payments ( not intentionally ) I did make good on them and then continued on to pay the car off. That's what any future creditors should see.
Consumer complaint received 2024-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (FL)

I received a letter dated XX/XX/year> - Payment Change Notice - Changes to your Mortgage Interest Rate and Payments Due on XX/XX/year> My loan is a Bi-Weekly ARM, Interest Rate changes every XXXX weeks and the payment gives me XXXX options. My minimum payment adjusts every 12 months. 

My current loan balance is just under XXXX. New Interest rate is 7.30 %, I do not disagree with this interest rate. My maturity date of the loan is XXXX/2034 and Wells Fargo is saying that I have XXXX payments remaining. Remember this is a Bi-weekly loan payments, I have a little of 10 years left on my loan. 

Now here is the problem- They are trying to tell me that my Principal Bi-Weekly payment starting XX/XX/year> will double to {$1100.00} plus interest. How does this even make any sense? {$1100.00} principal X XXXX payments = {$310000.00}. My loan balance is under {$120000.00}. Their payment calculation is more like a Monthly principal payment which is still $ XXXX. 

I am NOT going to start to make this payment on XX/XX/year>! This is NOT affordable since they are increasing my payment from {$800.00} to {$1500.00} including interest. My payment of {$800.00} included both Principal and Interest, I was NOT in a negative amortization situation! I was expecting my payment to increase since interest rates have gone up but not anywhere close to what they are saying since again my loan balance is under {$120000.00} and I have XXXX payments remaining! 

I called Wells Fargo and spoke to XXXX on XX/XX/year> who couldn't figure this out at all. She transferred me to XXXX who also greed with me. She was contacting the Wells Fargo XXXX department who couldn't give her an answer so she was supposed to call me back. I waited but no call. 
I called Wells Fargo again on XX/XX/year> and spoke to XXXX, he said that XXXX was supposed to call me back on XX/XX/year>. XXXX nor anyone called me back. 
I called Wells Fargo again on XX/XX/year> and spoke to XXXX. He also agreed with me that something was not calculating correctly. He tried to get XXXX on the phone back she was not in. 
XXXX now filed a dispute and issued me a XXXX # XXXX. Someone from the Executive offices should be calling me back no later than XX/XX/year> because XXXX is getting the same nonsense answer from the Adjustable department.
Consumer complaint received 2024-05-11
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)

Did not consent to unauthorized items the items were not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Javitch, Block & Rathbone LLC (KY)

I was sent a summons XX/XX/XXXX  to which I responded promptly askin to send me proof of the purchase agreement to verify that this debt is mine. 
I received statements with all accounts painted over with black marker and the last four of the account number. 
I responded in a timely manner and requested the purchase agreement I received the statements again about the credit card and the rules and regulations. 
Nowhere to see how this can be mine having my signature on the documents
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to demand the immediate deletion of the XXXXXXXX XXXX XXXXXXXX account from my credit report due to multiple discrepancies and inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies are obligated to ensure that all information contained in consumer reports is accurate, complete, and verifiable. 

Upon reviewing my credit report, I have identified the following discrepancies that render the XXXX XXXX  XXXX account inaccurately reported : Credit Limit Discrepancy ( Equifax Report ) : The Equifax report lists a credit limit of {$0.00}, whereas the XXXX and XXXX reports correctly list the credit limit as {$1700.00}. This discrepancy indicates a failure to report accurate information. 

Date of Last Payment Discrepancy : XXXX reports the date of last payment as XX/XX/2021, while Equifax reports it as XX/XX/2021. The inconsistency in payment dates between the credit bureaus is unacceptable and misleading. 

Account Activity Discrepancy : The account 's last activity date is reported as XX/XX/2021, by XXXX, and as XX/XX/2021, by Equifax. Such conflicting information suggests that the account is not being reported accurately. 

Incomplete High Credit Information ( Equifax Report ) : The Equifax report fails to list the high credit amount, unlike XXXX and XXXX, which both report the high credit as {$2300.00}. This omission demonstrates a clear lack of completeness in reporting.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-07-11
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. (NY)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report that show inaccuracies. 

List of accounts showing inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
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. (WV)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-04-18
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: UBS BANK USA ()

I sold some stocks from my UBS account ( XXXX ), my name is XXXX XXXX XXXX. I live in XXXX. UBS was supposed to wire the money from the stocks I sold to my account in XXXX. But it never happened. I have called them, raised a ticket, called them again, etc.. For the last 3 months, but my money has disappeared. They say it has been transfered, but I have not received the money. They will not share a document to show they did the transaction also. Looks like they use some intermediary, and the money is lost somewhere in between the UBS and XXXX ( my bank in XXXX ). The amount is : USD XXXX or in XXXX Pesos : XXXX XXXX Here are the details of the destination account : Bank Swift code : XXXX Bank code : XXXX Currency : XXXX Peso ( from USD ) My account/XXXX  Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX My address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone : XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Early Warning Services, LLC (NJ)

Early Warning XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear sir, I have received two letters from your company on XX/XX/24 and XX/XX/24 with the past document written on XX/XX/24. Regarding the recent letter on XX/XX/24 on the recent Early Warning consumer report, I am not certain why your company asks me to provide the further information since I do not find out any problem on the information on the account ending XXXX of XXXX XXXX XXXX. This account is a joint account with my husband as stated in the last correspondence from me. Therefore, there is no problem to have the pages of this account as my account, since I am a legal wife for XXXX XXXX. If your company consider including this account to the consumer report of your company, you disrespect the civil marriage in the United States, in which the marriage certificate was issued. Also, this marriage is legally registered in the XXXX family registration ; therefore, internationally, this marriage is considered as legal. Since this marriage is legal and I strongly believe XXXX XXXX XXXX treated this account as a joint account of XXXX XXXX and XXXX XXXX, I request the reason why your company insist my letter/document is incomplete and needs more information. 
As stated, several times before, I can not log in your company electrical communication portal, since it looks, I need some recipient email. Since this is my private and confidential information, I can not understand why this portal needs the recipient for the individual customer. I request your company will provide the portal for the individual consumer/customer, instead of cooperation body. 
Sincerely,
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
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)

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 no consent is fraud.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XXXX supervisor chase bank fraud department. 

On XX/XX/year>, At or around XXXX hours, I have made my XXXX th attempt of 24 days to resolve the issue without involving the government. 

My final point of contact before submitting this complaint was with XXXX a supervisor of consumer relations.