davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/ I XXXX money to a friend using the Fifth Third Bank app. 
I XXXX {$500.00} and then another {$500.00}. Then on XXXX XXXX XXXX  I again used the Fifth Third Bank app to XXXX {$1000.00} to the same person. I again, on XX/XX/ used the Fifth third bank app to XXXX {$1000.00} and on XXXX XXXX XXXX  I used the Fifth third Bank app to XXXX another {$1000.00}. All these transfers were to the same person and were sent the same way. The last transfer of {$1000.00} was not received by the friend of mine. I provided the bank with proof from my friends bank that they had indeed received the other payments but not the last {$1000.00}. In talking to the Fifth Third Bank staff, twice it was told to me that all the payments had " received '' by them EXCEPT for that last transfer. It only was tagged as " sent ''. This was their app that I used. I pressed the same button on the app that was the name of my friend with her phone number as the id. The staff at Fifth Third verified the phone number was the same on all transactions. 

Fifth Third Bank is refusing to give me back the last transfer of {$1000.00}.
Consumer complaint received 2023-04-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (FL)

My car was totaled back in XX/XX/XXXX. My insurance company, XXXX, paid {$12000.00} on XX/XX/XXXX that Westlake confirmed they received. I have GAP insurance to pay the remainder, but they have not processed it yet, which results in my remaining payoff of approximately {$4500.00} getting higher each day. It has been well over 30 days so my balance should be XXXX with the GAP insurance. This is still being reported to all 3 credit bureaus as a debt over {$17000.00} which is increasing my debt to income ratio, lowering my scores, and interfering with my ability to qualify for purchasing a home. The company needs to process the GAP claim and report the accurate balance.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (SD)

Im in the bank account so I was {$950.00} in a hole call Wells Fargo and try to talk to him and course. No one seems to speak English so you have to like repeat yourself 20 times but they like double quadruple charged me for making transfers thats what the whole I transferred XXXX for my checking to my savings, then back to my checking because I found something I wanted to buy online and I transferred that to XXXX XXXX because I dont typically like using my card online anymore. I transfer the XXXX XXXX  so my XXXX XXXX  and took it but thats another complaint a lot theyre doubling triple the charges of XXXX and I put me in the whole XXXX {$900.00}, I tried talking to him and he hangs up on me. That would be fraud. Could be fast robbery burglary so many things because as my money and I counted for and then they did all that charging it which is illegal.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-12-21
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)

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding the accuracy of information on my credit report. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I recently reviewed my credit report and discovered a serious discrepancy that demands immediate attention. It has come to my notice that the reported account, specifically the XXXX  XXXX bankruptcy discharged, inaccurately lists the Bankruptcy court as the furnisher. This assertion is not only misleading but constitutes an act of forgery, as the courts, upon inquiry, have confirmed that they do not report such accounts.

Under the provisions of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), credit reporting agencies are obligated to report information with 100 % accuracy. However, in this case, the information provided is not only inaccurate but also involves the fraudulent use of the Bankruptcy court 's name. I have contacted the courts in my state, and they have categorically stated that they do not serve as a furnisher for credit reporting agencies. This discrepancy constitutes a serious violation and will be reported to the appropriate authorities.

To further clarify, a data furnisher is an entity responsible for reporting accurate information about consumers to consumer reporting agencies. Examples of furnishers include banks, credit unions, and other financial institutions. However, in this instance, the reported furnisher, the Bankruptcy court, is not a legitimate source for credit reporting purposes.

I have previously disputed this information under the provisions of 15 U.S. Code 1681s2, yet the furnisher failed to respond. Subsequent attempts to resolve this matter directly with the supposed furnisher have been fruitless, as they have asserted that they do not engage in reporting to credit agencies. This lack of communication with the source further emphasizes the inaccuracies in the reported information.

According to 15 U.S. Code 1681i ( 2 ) ( A ), a consumer reporting agency is required to provide prompt notice of a dispute to the furnisher of information. In this case, the furnisher should have been notified promptly, and the disputed account should have been appropriately notated on my credit report. However, it appears that this process was neglected, and the Bankruptcy court 's name was erroneously included on my report.

I am demanding the immediate removal of this inaccurate item from my credit report. Failure to rectify this situation promptly may result in legal action, as the inclusion of false information on my credit report constitutes a criminal act of forgery. I expect to receive confirmation of the removal of the disputed account and appreciate your cooperation in this matter. 

Account Name : XXXX  XXXX Bankruptcy Discharged Reference Number : XXXX Thank you for your prompt attention to this matter. I look forward to a swift resolution
Consumer complaint received 2023-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (MS)

I applied for a Navy Federal XXXX, Vehicle and credit card on XX/XX/XXXX and XX/XX/XXXX and got denied for them all. Regardless of the reason for being denied I have the right to credit & withholding my access to securities is security fraud. You are violating Equal Credit Opportunity Act and Consumer Protection Act.
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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. (PR)

For 2 years I have been sending letters to Equifax, XXXX and XXXX to eliminate charged off debt and late payments to theses companies and they keep this information in my credit reports they go against The Fair Credit Reporting Act of 1970 and The Fair Debt Collection Practices Act of 1977. I need your help with this so I am able to have the credit score possible to buy a new home and car.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Your capacity to erode my faith in the banking system greatly concerns me. The integrity of the banking system relies on fair and precise consumer reporting, as outlined in accordance with 15 USC 1681 ( a ) ( 1 ). I have observed entries on my consumer report that warrant attention.
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd (WY)

I had account on Wise, I was doing a small business on XXXX through this Wise account and suddenly my account has been closed without any prior message or email.I am sending emails but no one is giving answer, I mentioned my bank account when i submitted appeal but i have got only XXXX dollars and my account had more than XXXX dollars and more money was about to come.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to.
Consumer complaint received 2024-04-18
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. (NC)

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 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PR)

I informed Equifax, XXXX and XXXX XXXX of my address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I also informed them of my employment, which is XXXX XXXX XXXX XXXX XXXX. 
On numerous occasion I have tried to informed these companies that the information listed must be corrected. 
I have not been successful as of yet.
Consumer complaint received 2018-11-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sa-Vit Enterprises, Inc. (NJ)

I contacted a health care provider on XX/XX/XXXX to inquire about a debt that was passed to a Sa-Vit collection agency. The account was for a procedure for my daughter as required by the State of NJ. The amount in question is {$320.00} for a date of service of XX/XX/XXXX. The health care provider provided my information about the alleged debt and a claim number in which I contacted my health care insurance company to verify if a claim was submitted in XX/XX/XXXX. 

After speaking with my health care insurance company on XX/XX/XXXX, I was told that the health care provider billed did submit a claim but the procedure was billed under my name and not my daughters name and that was the reason why it was denied by my health insurance company. After speaking with my health insurance company on XX/XX/XXXX, they fix the problem and transferred the claim to my daughters name which is should have been billed of in the beginning and gave me a claim number in support there of. 

I called the collection agency Sa-Vit and spoke with a representative who I explained that the health care provider billed the procedure under my name and not my daughters and that's why it was denied and that my health insurance carrier transferred the claim to my daughter after finding out about the error. I was then transferred to the company 's compliance officer XXXX XXXX and explained the situation to him. Mr. XXXX became verbally abusive to me and then started speaking to me in XXXX unexpectedly. When I spoke back to him in XXXX and surprised him he refused to talk further and hung the phone on me. 

Mr. XXXX is very unprofessional and thinking he bully consumers especially by speaking in another language in which to insult someone.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

Dispute Incorrect Reports of My Name and Addresses. 


INCORRECT NAMES REPORTED : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX INCORRECT EMPLOYMENT INFO : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
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. (GA)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MD)

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by federal and state law to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatement or omission of material facts constitutes a federal criminal violation punishable under 18 u.s.c 1001.

Additionally, any false statements are punishable as perjury under 10 u.s.c 1621. This collection that is being furnished in my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization used my personal identifying non- public personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Consumer complaint received 2024-05-24
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. (IL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Lima One Capital, LLC (NY)

I have not received a paper statement after multiple requests over anlmost a year now. Escrow analysis were not done every 12 months and were still not done after I had requested. This has been ongoing since I have started all of my mortgage accounts with this bank ( I have XXXX ). I have been responded to by multiple employees and managers about my issue with no help. My monthly payments have changed 3 times now in 5 months and I have no clue why because I can not view my statements or escrow accounts.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (IN)

EDFINANCIAL is reporting an open student loan account that has been paid off as of XX/XX/23. This account is hurting my credit and I have contacted the bureaus on 3 different occasions to dispute this information. The credit bureaus have been negligent to my requests.