davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XX/XX/2023
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$10000.00} XXXX XXXX  XX/XX/2023
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

They have no knowledge of any accounts under my SSN. as far as credit cards. I explained to them there is 2 credit cards listed under all 3 of my credit reports. I contacted them by phone again XX/XX/2024 and they have no knowledge. They said they only provide prepaid debit cards. I have ILLEGAL credit cards on my report! Please remove off XXXX, XXXX, and equifax. XX/XX/2024 Please remove these illegal credit cards under my name which green dot said they ONLY issues PREPAID cards and not CREDIT CARDS off my XXXX, XXXX, and equifax REPORT! 

This is ridiculous!! 

XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX XX/XX/2024
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$62000.00}. Please remove these accounts ASAP.
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (FL)

On XX/XX/XXXX I placed orders to buy XXXX. Approximately XXXX XXXX dollars worth. The company, Gemini, purchased the XXXX for my account. On XX/XX/XXXX I logged into my Gemini account and my account was frozen. I attempted to contact Gemini but no response. The only way to contact them is through email, period. They have absolutely no other means. I looked into the transaction history and notice that the funds used to purchase the XXXX had been return to my bank but the XXXX still remained in my account it was not sold. I immediately tried contacting Gemini to get an answer or understanding of what happened. If it was a banking issue by my bank or some other issue, I wanted to resolve the problem right away. After, numerous of attempts over days and weeks I received not one response. So, to be honest, I left it alone and forgot about it. There was nothing else more I could do. Then, in XXXX of XXXX, I received an email from the company requesting to vote on Bankruptcy decision that was on going with a company Gemini had a partnership with. I was able to place my vote but the account was still frozen. I was extremely surprised to see that my account was still opened and still had the XXXX purchased in XXXX of XXXX. I assumed for sure that the XXXX had been sold and the closed. But no, this company had held the XXXX in my name for all this time. But not allowing me access or notification. In my opinion, to me that's pure fraud. After this email about the vote I attempted again to contact Gemini to get an explanation of why the XXXX is still in my name but can't access it with the account still being frozen. No response again. Then approximately in the middle of XX/XX/XXXX. I received any email that I had 24 hours to deposit by wire the original cost of the XXXX purchased on XXXX of XXXX. I attempted to do just that but I couldn't because the account is frozen, Again, I tried emailing them again explaining I can't wire because the account being frozen and if they could unfreeze so I could fulfill what they are requesting. No response again. They next day Gemini sold a portion of the XXXX to cover the original cost of the purchase. Once again, I began emailing everyday to get answer for all that was going on and to unfreeze my account. Because it was obvious that the original purchase of XXXX was never reversed and that the XXXX purchased was still real and in my name
Consumer complaint received 2023-04-21
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. (GA)

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. 


Account name : XXXX XXXX  XXXX Account Number:XXXX  Account name : XXXX XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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 adverse item of information, other than records of convictions of crimes which 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.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2016 I STARTED LOOKING INTO MY CREDIT. I WAS LOOKING TO OWN A HOME START A BUSINESS. AND DOING SO, I HAVE BEEN LET DOWN WITH THE SERVICE THAT WAS GIVING AND THE RETURN NOTHING WAS EVER DONE. I HAVE PAID FOR PRODUCTS AND SERVICES I WAS UNHAPPY WITH. I STARTED APPLYING FOR CREDIT KNOWING MY SCORE WAS ABOVE GOOD XXXX. THE LETTERS I GOT STATED MY I WAS NOT GIVING CREDIT. WOW! SOME DID APPLIED FOR A CREDIT CARD AND USED IT TO THE MAX. 
TO THIS DAY, ALL THREE BUREAUS AND ANY OTHER BUREAUS HAVE NOT CORRECTED ANYTHING I HAVE REQUESTED. 

PLEASE NOTE : I HAVE CONTACTED THEM BY PHONE AND ONLY ASKING TO SPEAK TO SUPERVISORS. TO THINK THEY WOULD GET THE JOB DONE ON MY SIMPLE FILE. I GAVE ALL THAT WAS REQUESTED, POLICE REPORT, ETC ... 
I HAVE EVEN MAILING LETTERS. NOTHING! 

IT IS NOW 2 YEARS LATER STILL NOTHING WILL MY CREDIT REPORT EVER BE DEALT WITH IN A TIMELY MATTER.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XX/XX/XXXX Balance : {$470.00}, XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$9800.00}
Consumer complaint received 2018-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a choice checking account with HSBC back in XX/XX/2018. Their was a promotion going on at the time where you get {$200.00} if you open that type of account and fund it with {$1500.00} then keep this for 90 days. The bonus would post 8 weeks after that. I funded the account on XX/XX/2018. I have been waiting for almost 6 months and no bonus posted. I contacted customer service numerous times through calling and chat and all I get is " Please wait for our investigation results ''. I think it's unprofessional to keep clients waiting rather than actively working on their complaints. I attached the offer terms in a PDF file.
Consumer complaint received 2024-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL)

I receive a dept. collection notice from Accounts Receivable Resources, Inc. indicating that they are trying to collect a debt from the XXXX XXXX XXXX XXXX XXXX. However, I didn't receive the bill from the XXXX XXXX XXXX XXXX XXXX. I called Accounts Receivable Resources, Inc. to let them know that I don't recognize the bill and that the debt collection notice doesn't allow me to dispute the charges. Accounts Receivable Resources, Inc. wants me to pay them. 

This is an unfair practice from the XXXX XXXX XXXX XXXX XXXX to send me to collection without any notice and not allow me to dispute the charges. I paid all of my copays on time and I don't understand why they want more money from me.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A couple of weeks ago, there was fraud on my account. Bank of America locked my online access and locked the funds. I have a new account now, and they won't unlock my online account. I have been trying for weeks, with hour long hold times to just be hung up on. At this point I have no money, no access to my funds, and it doesn't seem like Bank of America will do anything to help me get access to it again.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-09-29
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. (NC)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 XXXX XXXX XXXX XXXX XXXX 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 2023-09-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-04-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

in XXXX before changes in my insurance and tax info was available to either Carrington or myself Carrington increased by monthly escrow and therefore my monthly mortgage payments by more than {$300.00} per month. However my taxes and insurance have only increased by a much smaller amount than this increase. I complained to Carrington and then to the XXXX  the XXXX  replied that the increase was justified. The response from Carrington was that under federal law they were permitted to to take the action they took and sent a thoroughly confusing and very difficult to understand. Previously a couple years ago Carrington did the same thing, and the current increase is over the first increase. They sent me offers to renew my mortgage at a higher rate of interest, and it looks as if this is remorse because I still have the original low rate of interest on my mortgage from when the mortgage was first negotiated with XXXX XXXX XXXX.IN XXXX My monthly mortgage payment was XXXX, then in XXXX it slightly increased to {$1100.00}, and the new rate I started paying that I was suddenly charged is {$1400.00} XXXX  The current Annual premum from XXXX XXXXXXXXXXXX XXXX XXXX  is XXXX, and the Premium  for XXXX is {$760.00} ... I dont have the exact figure for my taxes for the year but it is around {$750.00}. But the increase monthly in my escrow by the end of the year will exceed double the total of my total for insurance and taxes. I don't have the exact info handy for the original monthly premium that I was being charge when the Mortgage began however it was approximately {$1000.00} ..and if you need exact figures on how the mortgage plus escrow has increase I will try to find all my files and send that info to you
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I have two credit cards with Chase Bank ( JPCMB ) which were closed on XX/XX/XXXX. I contacted Chase and I was told because I have a derogatory account with them from XXXX, in addition, I was told because I add authorized users and at some point remove them. They transferred me to the collections department who couldn't find any account-based off the account number they gave me as the derogatory account. I explained to them that I have never had an account with Chase prior to XXXX and that I was a victim of Identity Theft a long time ago. I also have a police report that documents this. I have been calling them since XX/XX/XXXX only to get conflicting information about why they closed my two accounts that are in good standing. I was told a supervisor would call me which someone did but during their investigation, the call dropped and he never called back. I tried calling back only to get a different person from the fraud department who also was investigating and could not find anything that lined up with what I was previously told. Shortly into that call it also dropped due to the reps bad connection, and again she did not call me back. I am very upset at my accounts being closed after 6 years and the other two years. They wrongfully closed my accounts stating I have derogatory marks on my credit from an account that is delinquent with them that no one can seem to find. In addition, if there was a delinquent account on record why did they. and how could they approve me for a card without knowing this or seeing this in their records 6 years ago? Lastly nowhere in my cardmember agreement states that I can not remove the authorized users that I add. I feel that I am being targeted and discriminated against because of the authorized users so they are insinuating that I have derogatory accounts with them. I am asking for assistance with this matter to get my accounts reopened in the same reporting status they have been, and with the same history. I have never missed a payment on my accounts, I have never abused or misused my accounts, and I am on autopay to ensure my cards stay paid on time and current.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (GA)

The reported delinquencies for XXXX and XX/XX/year> are inaccurate due to Biden 's loan forgiveness plan. Payments resumed in XX/XX/year>. Mohela 's representative apologized and assured that the correction would be made promptly. Regarding the PSLF forgiveness, Mohela hasn't updated it with the XXXX XXXX XXXX  per a representative, as bills for payment are still being received.
Consumer complaint received 2018-09-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ZIONS BANCORPORATION (GA)

Between XX/XX/2018 and XX/XX/2018, Zions ' Bank ( hereinafter " Zion '' ) deliberately stacked my transactions so as to ensure that I would incur OVERDRAFT FEES. 

FURTHERMORE, the only reason that I my balance dipped below {$0.00} was because ZION erroneously and/or deliberately assessed {$64.00} for a transaction wherein I had sufficient funds. Zion continually  assessed OVERDRAFT fees in connection with deposits made via XXXX or other payment processors even though the funds are available at the consumer 's end. 

Zion has been engaging in this behavior since the beginning of the year XX/XX/2018 and has been obliged to disgorge over {$1000.00} in incorrectly assessed OVERDRAFT FEES. 

This continuing behavior is tantamount to a criminal conspiracy to defraud its clients and I respectfully seek your assistance with the same.
Consumer complaint received 2023-07-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

During Covid my house hold was down to one income which was mine. I then requested a forbearance plan and was granted that for up to 2 years but at the time of the expiration of the forbearance plan I hit a financial snag due to me being involved in my company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then was out of work for a short while but when started another job unfortunately that job after was paying enough.