davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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. (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 Transunion, XXXX, and XXXX. 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 2024-09-05
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. (NY)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Omega RMS, LLC (FL)

Im not liable for this debt with OMEGA RMS. I do not have a contract with the collection agency trying to collect and report this to my credit. I did not sign any paperwork with OMEGA RMS. collection agency stating that i pay them or owe them any money so I do not have a contract with OMEGA RMS. and they did not provide me with the original contract as requested at the desired resolution on correction to my credit report. I demand this account be removed from my credit report
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and XXXXXXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX  outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NJ)

In XXXX when I filed my taxes for XXXX. The irs took back some money. It was due to them stating that I received the XXXX payments XXXX and a deposit of {$5600.00} into an account already in my name. Well I put a tracker on my payment and found out that those payments was deposited into a Wells Fargo account. I have not open a Wells Fargo account in my name. During that my husband identity was stolen. He did have a Wells Fargo account. We went down to the bank and spoke with a banker. She stated that the payments were in my name they ( Wells Fargo ) would not have been able to deposit those checks into his account, because they were in my name. Wells Fargo would have rejected the payments and sent them back to the u.s treasury. This happened before I put the trackers on my payments.
Consumer complaint received 2024-09-05
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. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$150.00} - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Balance {$900.00} - Date Opened XX/XX/XXXX DEPT OF ED / XXXX # XXXX -Balance {$3500.00} - Date Opened XX/XX/XXXX DEPT OF ED / XXXX # XXXX -Balance {$6000.00} - Date Opened XX/XX/XXXX XXXX DEPARTMENT OF EDU # XXXX -Balance {$4800.00} - Date Opened XX/XX/XXXX US DEPARTMENT OF EDU # XXXX -Balance {$10000.00} - Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX -Balance {$1700.00} - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$50.00} - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX DPT EDXXXX # XXXX -Balance {$6000.00} - Date Opened XX/XX/XXXX DPT EDXXXX # XXXX -Balance {$3500.00} - Date Opened XX/XX/XXXX XXXX XXXX # XXXX -Balance {$840.00} - Date Opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lockhart, Morris & Montgomery Inc. (OH)

While at work, I realized my checks were short the last few weeks. When I checked my recent pay stub I saw that I had a creditor garnishment on there for the last 5 weeks. So after learning this I checked my XXXX XXXX credit report and saw that two companys I do not and have never did business with have around {$9000.00} total debt owed, one of which is XXXXXXXX XXXX for approximately {$4000.00} and I have never owed a XXXX account let alone a credit card. And the other debt is through a debt collection agency Lockhart Morris & Montgo for about {$5000.00}. I have never received any notification through mail or email or any credit app that this has happened and they are now garnishing my wage.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (NJ)

There is an unauthorized hard inquiry on my report that needs to be removed made by this company as of XX/XX/year> According to the FCRA unauthorized items are to be removed I have file my FTC complaint and attached it
Consumer complaint received 2024-06-23
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Collection Management Holdings, LLC (AL)

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-18
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (NV)

I received a letter today from XXXX XXXX informing me my XXXX Credit Card was closed due to inactivity. 

- No prior notice to this was sent to let me know my card was subject to closing if I did not make a purchase in a certain amount of time - I just received a new card when they made the name change from Genesis to Concora No information regarding account closing was disclosed either. 

I contacted Concora Credit today XX/XX/XXXX I spoke to front line unit agent XXXX who told me because I did not used my card in the 90 days of opening my card was closed. 

*** my card was opened in XXXX. 

I asked why Concora made such decision without any courtesy notice Agent told me XXXX oversight my terms and conditions sent to me with the new card as its stated there. 

I told her I did not received nothing with the new card and to point me at where in the terms and conditions can I locate that disclosure. 

Agent told me she was not allowed to tell me I then asked to speak to a Supervisor The supervisor XXXX told me the same thing except this time she said from XXXX days since account opening. 

Again my account was open in XXXX & never got an issue for not using it. 
When I received the new card as a consumer I figured I was good to go. 
I then asked where in the terms and conditions I can find such information and could not tell me. 

I then expressed my dissatisfaction as Ive been told such information but nothing to backed it up She then told me Have I not tell you already I have no access to that information & thats when I lost it. 

As a supervisor you should never talked down to a consumer like that. 

So I then asked to speak to her supervisor I spoke to XXXX She was kind and patient with me however did not have the information on where in the terms and conditions was this information provided to me. As well as she is unaware if the place she work for sends letters advising consumers their account is in danger of being closed. 

Overall, it is unfair for my card to be closed with no prior notice. 

I understand as a consumer I should not assume I am good. 

But again after receiving my new card in XXXX no new terms and conditions were sent nor no new package as I was advised by the phone agents.
Consumer complaint received 2024-02-07
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. (LA)

IN Recording TO THE FAIR CREDIT REPORT ACT THIS CREDITOR VIOLATED MY RIGHTS UNDER 15USC 1681 SECTION 602 I HAVE THE RIGHT TO PRIVACY. 15 USC1666 B A CREDITOR MY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER A OPEN ACCOUNT AS LATE PAYMENTS 15 USC 604 A A CONSUMER CAN NOT FURNISH AN ACCOUNT WITHOUT A WRITTEN AGREEMENT...
Consumer complaint received 2024-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

I am writing to urgently bring to your attention a serious issue regarding Lockhart , Morris & Mont, a collection agency that has erroneously reported a debt on my credit account. This agency has no legitimate basis for their claim as I have never conducted any business with them or with the original creditor they reference, XXXX XXXX XXXX XXXX. 

On XX/XX/year>, I was involved in XXXX XXXX XXXX XXXX where I was fully insured through XXXX XXXX. Following the accident, I received XXXX XXXX from XXXX XXXX. It is important to note that XXXX XXXX was properly informed to bill XXXX XXXX directly for all medical expenses incurred, as mandated by Florida law which covers accident-related medical bills in full. 

I have confirmed with XXXX XXXX that all medical bills related to this accident were promptly settled. Therefore, I am deeply concerned and confused as to why Lockhart , Morris & Mont is unjustly reporting a debt connected to this incident. 

This erroneous reporting is not only unjust but is severely impacting my credit report and potentially my financial well-being. I urgently request the Consumer Financial Protection Bureau to investigate this matter with the utmost urgency. I insist on the immediate removal of this inaccurate account from my credit profile and seek assurance that it will not be reinstated in the future. 

I appreciate your prompt attention to this serious issue and look forward to your swift resolution. Please feel free to contact me at your earliest convenience should you require any further information.
Consumer complaint received 2024-06-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (NY)

XX/XX/year>, I went to forever 21 and they misled me and opened a card without my consent, and when I asked how do I cancel they told me to XXXX it and that I was on my own, and that it wasnt their problem. I asked multiple times if I was opening a credit card and the cashier assured me it was not a credit card but a rewards card and said The credit card and rewards card are two different things.
Consumer complaint received 2024-06-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (VA)

We paid off our lease on XX/XX/2023 for the amount of {$19000.00}. We still have not received our bill of sale or title. They claim it was sent United States postal service. We never received it. After multiple monthly calls, we still have gotten nowhere.
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2024, I sent money, {$1000.00} from my Bank of America account to my home country, XXXX through XXXX XXXX. This was not my first time of sending money and through this App. Then on XX/XX/2024, I saw another deduction of the same amount only that I did not make any authorization on this day. I checked my statement and saw that BOA claimed it was sent on XXXX, XXXX. I immediately called XXXX XXXX  to complain but was told that the issue was from my bank. That my bank will refund it. I called Bank of America to report that I did not authorize the said transaction and they said they will investigate. Came back like about 3 weeks after to tell me that I or someone who has access to my account made the transaction to XXXX. I immediately debunk such lie because, first BOA claimed it was sent through XXXX XXXX, but this transaction was not in the transaction history sent to me by XXXX XXXX. Secondly, every of my transaction has both sender and receiver 's information which is not in this case. And I tried clearing this with BOA that this fraud was originated from their bank, but because I am just XXXX person, I can't fight institution. Transaction history and all emails sent to me from XXXX XXXX  are my evidence that this did not come from them but from BOA. They now said they will deduct {$1000.00} from me in XXXX which I know it's nothing but cheating.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (MI)

In violation of FCRA 15 USC 1602p, this company is using my alleged credit report for an unauthorized purpose. They have furnished my alleged consumer reports with false unverified information, hurting my ability to access my use of consumer credit. They have not provided any proof of an actual inquiry. They've stolen my information to use it to damage me.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (OH)

Beginning last Tuesday, XX/XX/year> I began dealing with an identity theft / bank account takeover to the point where the only thing I could do was close the bank account and credit card account at SoFi to stop the unauthorized use. Once I closed the account, SoFi reps informed me that I could no longer appeal their denial of my misuse claims ( so on the next page I will provide what was my account number, but it no longer exists ). The credit card division at SoFi found the charges to be fraudulent totaling over {$1000.00} but the banking side of the SoFi arm found around {$2400.00} in bank card use not fraudulent... even though I reside in XXXX  ( and have not been out of the State for months ), never authorized anyone ( including my wife ) to use my card, and the purchases took place in XXXX.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (OR)

Something in my name was purchased from a company called XXXX XXXX in the amount of XXXX XXXX I have never contacted them nor have I ever bought a product ir signed up for a program from them. I recently got emails from a company called XXXX XXXX which is a third party collection agency trying to collect this fraudulent debt. I have been getting emails from them harassing me about this unknown unauthorized account. Then lastly XXXX credit Bureau has reported me as a late payment as well as a charge off account and Im prepared to pursue legal action against this illegal act. This is FCRA Violation. XXXX is in Violation of 15 USC 1681a as well as USC 15 1666 I never authorized this fraudulent account, my privacy has been violated and I demand this be removed from my report immediately! There is an ongoing investigation into these fraudulent claims and XXXX is in direct federal violation in reporting this on my consumer report. If this is not rectified and removed from my report I will pursue legal action to the fullest extent of the law!
Consumer complaint received 2024-06-22
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. (DE)

Per 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. 

XXXX XXXX XXXX Account # XXXX. 
XXXXXXXX XXXX  Account # XXXXXXXX XXXX- Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 ( A ) states that I have the right to privacy.

15 U.S.C 1681 section 604 ( A ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s- 2 ( A ) ( 1 ) states a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-25
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (OH)

In Ohio, the statute of limitations for most types of debt is as follows : XXXX. **Written Contracts ( including most credit card debts ) : ** 8 years from the date of the last payment or acknowledgment of the debt. 
XXXX. **Oral Contracts : ** 6 years from the date of the last payment or acknowledgment of the debt. 
3. **Promissory Notes : ** 6 years from the date the note was due or the last payment.

4. **Open Accounts ( such as utility bills ) : ** 6 years from the date of the last payment.

Given that the statute of limitations for written contracts ( which includes most credit card debts ) is 8 years in Ohio, a third-party collection company may still be within its rights to pursue collection if the debt falls within this period.
Consumer complaint received 2024-06-22
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: Convergent Resources, Inc. (IL)

Received a reinvestigation result from XXXX ( report # XXXX ) dated XX/XX/XXXX and noticed XXXX inquiries on my report from Convergent Outsourcing , INC . These were made on XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All without my prior permission. I do not have any business with them at all.
Consumer complaint received 2024-07-02
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Army and Air Force Exchange Service (WI)

AAFES had a hard inquiry on my credit report on XX/XX/year>. I did not open this account. I noticed the inquiry and immediately called AAFES. They said this account was for a Military Star card. They said the account had already been closed. 

I would like to have this inquiry and account removed from my credit report.
Consumer complaint received 2024-06-18
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: Synovus Bank (OH)

SYNOVUS/XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX