davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

15 USC 1681b Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

According to the FCRA you are in violation of my consumer rights. These accounts have been deleted from my account 3 times and now you are changing the account numbers. You had 5 days to send me a certified letter, saying these accounts was going back on my credit report. My card wasnt lost are stolen with XXXX XXXX. They changed the account number. Please send me a copy of the certified letter, with my name on it, with my address? I was unaware of these items would be placed back on my credit profile. I didnt have an opportunity to dispute the information. These accounts have been reinserted 3 times!!! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Attorney General
Consumer complaint received 2022-02-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Vanguard Financial Services, Inc. (VA)

Very upsetting I work for XXXX and have been suffering mental and physical anguish, our local non profit Medical company XXXX have been sending debt I was unable to pay on to A ) XXXX XXXX services which Is their own company and B ) Vanguard Financiancial services These are counting against my credit score! 
I has a total mental breakdown last XXXX and am under a huge amount of stress from so many directions
Consumer complaint received 2023-04-23
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. (FL)

i tried to get a car from XXXX. this came with 20 inquires that i did not approve of. i ask for my credit to be pulled only for XXXX
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (NC)

On XX/XX/XXXX, I received an email from " XXXX XXXX '' at Zion Debt Holdings, LLC, wherein XXXX XXXX claimed that I had a current balance due of {$2600.00} from a XXXXXXXX XXXX account that " was not properly closed. '' The email provided a link to make the payment with a Zions account number. I assumed this was spam or some kind of phishing scam. 

On XX/XX/XXXX, I received a text message from an unknown number, claiming to be Zions Debt Holdings. The sender requested that I call their number to " resolve '' my " past due XXXXXXXX XXXX account, '' after which they would " offer to expunge it from the credit agencies. '' After this second communication, I thought it would be prudent to review my credit reports, which I did last night ( XX/XX/XXXX ). Much to my surprise, there was, in fact, a collection account reported to XXXX by Zions Debt Holdings on XX/XX/XXXX. I immediately initiated a dispute of this debt with XXXX. 

For context, I did have a XXXXXXXX XXXX  account from XX/XX/XXXX- XX/XX/XXXX. However, I terminated the account in XX/XX/XXXX because it was created under false pretenses by a former XXXX representative, XXXX XXXX. 

Moreover, even if this was a legitimate debt ( which it is NOT ), in North Carolina, a debt buyer must initiate collection efforts within 3 years of the last activity on the account. See N.C.G.S. 1-52 ( 1 ), 58-70-115 ( 4 ). In both communications, Zions claimed to have purchased this alleged debt from XXXX ( see attached communications ). Zions, however, reported this alleged debt to XXXX on XX/XX/XXXX, which was more than 3 years after my last activity with XXXX. Zions also waited almost an entire year thereafter to make a collection effort ( which failed to contain the necessary disclosures required under state and federal law ).
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

XXXX again reduced XXXX from credit score and trying to bring Dawn my score every month. 
The XXXX and XXXX scores are not match at all.
Consumer complaint received 2017-03-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CT)

I had a major loss of income in the pass, I 've been trying to obtain a loan modification from my servicer on my own. Things started out well, submitted all requested documents without any issue but since XX/XX/XXXX the servicer has stopped communicating with me. So i contacted via the telephone to see what was going on, I was told that they did n't receive the requested documents i was missing page # XXXX and thatvi needed to resend the entire package and I complied for them to tell me page # XXXX is missing i faxedthe entire package XXXX more times to only be told something else was missing I again contacted my servicer and told them i felt that they were giving me the run around and that i 've used the same fax machine since the beginning with absolutely no problems the prnt out states received ok and how many pages sent at this time more than a month later I was told to just resend page # XXXX which I did and to pay stubs which I sent as required per page # XXXX ..previous stubs had expired.. I received a letter dated XX/XX/2017 that they could n't review my application for a modification because there was less than 45days until the sale date. Please note that my income is adequate for a modification. I feel that my servicer purposely stalled for time so I would n't be eligible to modify my mortgage. There were other incidents that have occurred during this process that I thought maybe they made an honest error but once this happened I knew they were n't honest errors..example ie your monthly income before taxes is XXXX dollars which in fact it was over XXXX.. I need this to be looked into because i can afford to keep my house. 

Thank You
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (ME)

While living in North Carolina around XX/XX/2011 I considered filing for bankruptcy. I sent for the paperwork and submitted it and then was told the information was incomplete and could not go further. At the same time I received a good job offer and decided not to pursue the bankruptcy any further. I thought the matter was closed when upon review of my credit report, I find that the bankruptcy was listed as dismissed. On 3 different occasions I wrote to all XXXX reporting bureaus asking that this be removed. I did so using certified mail and each time the response was the same, they ca n't do anything about it and so it has to stay on. I have gone to great lengths to rebuild my credit since XX/XX/2011 and returning to the work force yet this error keeps hanging over my head. 

Please have it removed from all credit reports. Thank you.
Consumer complaint received 2022-02-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WI)

On the night of XX/XX/XXXX around XXXX I received several missed calls from a number tagged " Wells Fargo XXXX '' The number was the same service number as on the back of my bank card. Earlier in the week ( XX/XX/XXXX ) I was informed that my account information may have been compromised and I was being sent a new card ( see attached picture ). The information about the new card/account information being compromised was legitimately from Wells Fargo . When I finally picked up the call on the night of the XXXX, I was told that there were fraudulent charges pending on my account due to my account being compromised and that I would need to use my XXXX account to transfer the money back into my account. The amount was for {$1000.00}. The person on the other end seemed to know how much money was in my account, that I was with Wells Fargo and that my account had been compromised. I dont know how this person could have access to that information unless they are affiliated with Wells Fargo .

In order to transfer the money back into my account I only had to read a code from my text message to authorize money being sent back to myself/stop the pending fraud charges. 
I realized very quickly that the money had been taken from my account only with the code I read aloud. The money was transferred to someone from XXXX XXXX XXXX XXXX XXXX XXXXas shown in my text messages after the money was taken from my account. 

I contacted Wells Fargo immediately ( within 1 minute after I hung up ) to see what could be done. They immediately recognized the scam/fraud and said that it had happened a lot that night. They called it a fraud, but later denied my claim and denied that it was a fraud, saying I authorized the transaction. I was coerced into giving information ( code from my phone ) which I was falsely led to believe was stopping a pending fraud charge. 
Wells Fargo made a report, but have not returned my money that I lost -- {$1000.00}. They have opened and closed the claim multiple times, but I have not given me my money back. It is closed now. I believe I am covered under regulation E and I am asking for help getting my money back. Thank you for your help in this stressful time.
Consumer complaint received 2017-02-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I opened account with Regions bank on XX/XX/XXXX.Today, XX/XX/XXXX, my wallet was stolen. I immediately called police and the Regions branch on XXXX XXXX XXXX XXXX, XXXX TN XXXX where I first opened my account at as it was the only quick Regions number I could find from the binder I was given when I opened the account.I never used my cards for once since I opened the account. I spoke to the branch manager named XXXX XXXX XXXX and requested that he should stop both my debit and access cards because someone just stole my wallet. He told me he did stop the cards and I should not worry and my money is still there. I asked him over and over to make sure whether or not I should call another number to stop the cards or if he could transfer me to the fraud department.He did not refer me or transfer me to the Regions bank fraud department.He told me that he has handled it and told me I should n't worry again. 
An hour later while I was making the police report, XXXX XXXX called me and told me that he has let a lady and a man withdraw {$3400.00} out of my account and he told me it 's because they had my ID and everything so he gave the money. 
This seems like he made a deal with the thieves.This is unprofessional and how can someone withdraw my hard earned money simply because they had my ID? I have the phone records.I called the police and the bank about the same time.An hour later he let the thieve get my hard earned money.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-01-20
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-15
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)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Since XXXX Of XXXX  I have been neglected from overdraft Protection and have been paying fees that Bank Of America are lawfully obligated to pay on my behalf, Per the FCRA as a federally protected consumer I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Bank account with Bank of America 's have not received the proper overdraft protection via FDICs XXXX Insurance coverage.
Consumer complaint received 2024-01-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: U.S. BANCORP (WA)

HELOC ending in XXXX U.S. bank stole my money! Without much explanation, they just decided to charge my account {$580.00}, and dont want to refund me. I have spent hours and hours of my time trying to resolve U.S. bank problems and no one even paid me for that time either..

US Bank perceived my homeowners insurance auto-renewal and as a insurance gap and decided to purchase insurance for me for that period of time. On XX/XX/XXXXXXXX XXXX XXXX XXXX my homeowners insurance policy was set to auto-renew, my credit card was on auto-pay, but the card expired and it failed to charge on XX/XX/XXXXXXXX XXXX XXXX got ahold of me and we fixed the issue I gave them a good credit card and my policy was RE-INSTATED by XXXX with coverage from XX/XX/XXXX to XX/XX/XXXX, which is the original coverage period so there was NO gap! Well US Bank still somehow perceived and claimed an insurance gap from XX/XX/XXXX XX/XX/XXXX due to that erroneous cancelation on XX/XX/XXXX, but that policy got RE-INSTATED so there was NO GAP! 
Every time I called US Bank it was a new agent that had no idea about the progress or what was already done on issue. They mailed letters were off topic and not reflecting our prior conversations. I have done everything they have asked for : uploaded both polices in XXXX and around XX/XX/XXXX that showed NO gap to website provided in their letters. They have received that evidence and proof, however, completely failed to respond. From XXXX I have learned that U.S Bank reached out to them and that XXXX confirmed that cancelation was erroneous and there was NO gap, they also provided U.S. Bank proof in email that they wanted. Still, without any feedback, bank charged my account. U.S. Bank does not care about evidence policy documents provided nor XXXX validation. 
This is a scam. There was no gap. U.S. Bank got all the proof they have asked for. I need {$600.00} refunded ASAP.
Consumer complaint received 2023-09-28
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. (MS)

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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: William D. Meeker Enterprises, Inc. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Chase locked my check account on the day i have direct deposited {$2200.00} to my account on XX/XX/2024 and I made transfer to external saving account in the amount of {$890.00}. Before i made the transfer the account was verified by chase throughXXXX small deposits. I see the status shows Funded on the same day however on the evening of the day around XXXX eastern time i got an email from chase transfer is canceled. I login to my account it says account is locked which I called the XXXX XXXX XXXX  I was then told account will be closed and did not tell me exact time when it will close. I can only get my money back when chase can close the account but the agent said currently restricted not closing and don't know when it will close and not sure when i will get money back. They are now holding my money hostage. The deposits are my direct pay from payroll there isn't much needed to verify funds. external account was verified by chase earlier with XXXX small deposits so i don't know what is the issue chase holding my money. I want my hard earned money back from Chase.