davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA (OR)

This letter is in response to the XXXX and XXXX 1099Cs I received. Thank you for processing them and sending me my copy so I can correctly file my taxes.

However, this account is still indicating a balance owing. Please update your system to reflect the cancellation of this debt.

Additionally on my prior notification to you when sending you a copy of the 1099C I informed you that you are not permitted to report any derogatory information onto my consumer credit profile. As per the LAW and Congress I am the one in charge of my consumer credit profiles, not you. You have 30 days to update my consumer credit profile by removing the derogatory remarks on my credit profile, late payment history, and update the account. I do NOT permit you to report this account as closed, or that the balance has been charged off. You may not report any payment history. You may only report that this card was opened, and the date opened. 
You are in violation of : 15 USC 1666b- with regards to late payment reporting 15 USC 1602p- With regards to inquiries 15 USC 1601 - Truth and Lending 15 USC 1692 - FDCPA 15 USC 1681 ( a ) ( 1 ) - Accuracy and fairness of credit reports 15 USC 1681C - Requirements relating to information contained in consumer reports 15 USC 1681i- Procedures in case of disputed accuracy 15 USC 6802 through 6805 - Disclosure of personal information, I have the right at any time to opt out of ANYTHING 15 USC 6801 ( a ) which is backed up with 16 CFR 313.2 - Any identifiable information.

16 CFR 313.7 - Privacy of consumer financial information 15 USC 1681, Privacy and Permissible Purpose 12 CFR 1022.3 Identity Theft 18 USC 1028A ( a ) ( 1 ) Aggravated Identity Theft 15 USC 1681b Permissible Purpose of Consumer Reports 15 USC 6802 Obligations with respect to disclose personal information.

15 USC 6803 ( b ) ( 1 ) ( A ) Disclosure of Privacy -XXXX XXXX
Consumer complaint received 2024-01-04
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX XXXX XXXX The following personal information is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (NY)

I received a Notice of XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX, Not In Its Individual Capacity But Solely As Trustee Of XXXX XXXX XXXX XXXX Loan Trust XXXX. 
They recently as of XX/XX/2023 acquired this mortgage from XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. They are willfully neglecting my right trying to take my house which they don't have any interest in this house. I have requested for the original note and the original mortgage documents which they have not produced. 
They refused to work any modification with me they are only interested in forclosing on my house trying to get the XXXX to get a referree to get a sale date on my house.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. XXXX XXXX XXXX has violated my rights on my TransUnion credit report. In accordance with the FCRA immediately delete this account from my consumer credit report. 
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 2024-01-04
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)

Subject : Request to Block and Delete Fraudulent Accounts Due to Identity Theft Under 15 USC 1681c-2 ( a ) Dear Equifax Team , I am reaching out to urgently address a critical matter on my consumer credit report. Upon reviewing my credit report, I identified several unauthorized accounts that I believe are a result of identity theft. These accounts are : 1. 
XXXX XXXX XXXX XXXXXXXX - No account number reported, opened XXXX, with a balance of {$86.00}. 
2. 
XXXXDEPT OF ED - Account ending in XXXX, opened on XX/XX/XXXX, with abalance of {$220000.00}. 
3. 
XXXX XXXX XXXX - Account ending in XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (OH)

I received 2 emails today stating account information credentials for truist bank which I have never been to or used etc. it notified me I had opened a savings and checking account under my name at XXXX this morning when I was waking up for work. Every time I try to call any number for the bank it asks for my social security or card number which Im not going to disclose, theres no option to speak to anyone. Im broke as can be, theres no way Im opening any other accounts etc, Ive been working my butt off day and night to close credit cards and former debt.
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

This complaint is in addition to the closed complaint XXXX. 

On XX/XX/2023 I was robbed in XXXX AZ. My phone, wallet, and computer were stolen out of my hotel room. In addition to running up my credit cards the thief ( s ) proceeded to hack my phone, send themselves a {$1000.00} XXXX transfer, and wire {$1200.00} and {$5000.00} out on my checking and savings account. The total of the theft was over $ XXXX. 

All of the fraudulent charges have been returned by the financial intuitions except for the {$1200.00} and {$5000.00} wire transfers from my Wells Fargo accounts. Wells is claiming I am responsible for the someone using my user name and password. 

On XX/XX/XXXX, at approximately XXXX I met with a teller at Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX. She put me on the phone with telephone banking to suspend all accounts and stop all the pending fraudulent transactions. There will be a recording of these calls and video evidence of that phone call. The telephone banker assured me that all my accounts were frozen and they had done all they could at that time to minimize the damage. At XXXX that XXXX  the wire transactions were still pending in my account as I took screen shots to share with XXXX XXXX ( attached ). If Wells Fargo would have proceeded to stop the wires on XX/XX/XXXX at XXXX that they never would have went through.
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

About a month ago, My wife and I submitted an offer for a XXXX-family home in XXXX, NY and was accepted by the seller. We contacted Wells Fargo for mortgage rate since they suggested that we could be qualified for their jumbo loan. Their jumbo rate offers competitive rate than other banks. Wells Fargo asked us for our personal information and run our credit for mortgage application pre-approval. Our application did n't run as smooth as we would expect, but the loan officer told us that we were not qualified for Jumbo rate. My wife and I decided to go back to XXXX, our primary bank, for a better rate. XXXX loaner office informed me that Wells Fargo had run XXXX credit check on me ( WITHIN A MONTH ) and it affects my credit score significantly. My middle credit score has dropped from XXXX to XXXX, which brought up the interest rate from 4.375 % to 4.625 %.
Consumer complaint received 2024-04-02
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. (NY)

I am writing to bring to your attention concerning the recent distressing experience I encountered during an investigation of my credit report. Regrettably, this inquiry revealed a number of unverifiable, invalidated, inaccurate, and questionable items that your agency has failed to ensure are reported with 100 % accuracy. 

As per the provisions outlined in the Fair Credit Reporting Act, it is imperative that all information contained within my credit report meets the stringent requirement of being entirely accurate. However, upon closer examination, it is evident that several accounts are in violation of this mandate, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

Given the gravity of this matter and its potential implications on my financial standing, I respectfully request your agency 's immediate attention and remedial action to address these discrepancies. Ensuring compliance with federal statutes governing credit reporting standards is paramount in upholding the integrity and fairness of the credit reporting system.
Consumer complaint received 2023-04-11
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. (FL)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting * of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! 
Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MI)

I have never been associated with XXXX and they have 2 credit card accounts for me one  is XXXX  XXXX the other is XXXX XXXX and the information is incorrect and not my accounts account numbers XXXX and XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

pursuant to 18 usc 8 i owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2022-12-20
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. (GA)

This is my NUMEROUS 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 Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$110.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Please see attached letter submitted to Equifax regarding online portal access that has been disabled. Equifax has continued to ask for my social security card and driver 's license. I have submitted this information, yet I spend months still trying to gain access to the portal to retrieve my reports. Once ninety days has lapsed, they request the information again stating it is outdated.

This needs to be resolved.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (LA)

I XXXX for the number these phone calls are coming from, and it says they are from an " Amshare Collection Agency '', but to my knowledge, I don't have any overdue debts. Furthermore, XXXX shows that this company apparently randomly calls people who don't have any debts and is thought to be a scammer. The number they have been calling is on the XXXX XXXX XXXX XXXX and is my work phone number, so I don't have any way to change it. They have called at least four times in one day, and again XXXX reveals a pattern of harassive behavior on the part of this scammer.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (FL)

Chase has continued to modify the emails on file for both my personal and business accounts. Chase continues to send emails relating to my personal accounts to my business email address therefore disclosing personal account information to those on that email. Over the last 2 months, I have called chase multiple times to fix the issue. There system continues to override settings and make automated changes causes emails to be sent to email addresses that they should NOT be going to. It should also be noted that my business account email setting can not be changed by me. I have addressed this issue as well. Chase has failed to resolve any communication issues I have brought to their attention. Chase is innately aware of the issue as I had a XXXX hour phone call with a supervisor named XXXX from missouri who eventually just dumped the call.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-12-20
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 the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2018-08-07
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: HW Holding, Inc (TX)

XXXX XXXX will not move inaccurate info that the other company have also ftc violation and police violations sent hpd and fair credit act XXXX had the never to say my police reports were fame whey dont they call me and we can go up there together and ask the police department if they were real!!! i'll pay for the trip to XXXX but if they are real i get all the pain suffering and lost income and i get to file XXXX insurance policy hippa violaiton XXXX XXXX are using unfairl pratices to ftc vilation and fair credit report act an hippa
Consumer complaint received 2024-04-04
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 was just able to take a look at my credit report, and am stunned and I couldnt believe my eyes when I saw all of this mistake in reporting! 

I don't know why this company is putting this on my credit report. I have never been delinquent on my payments. When I called they said I needed to just dispute it with you. Please investigate and take a look at this account : XXXX  XXXX XXXX
Consumer complaint received 2023-04-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (WA)

On XXXX XXXX XXXX I moved from XXXX  back to my home state of XXXX. A day or XXXX afterwards I went to the local XXXX  XXXX  at XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX, to get internet setup. After doing some research, XXXX was the only internet provider option for my apartment. They were also the only provider option for the place I was renting in XXXX  previously. After waiting a while, the in-store XXXX sales rep informed me that since I was already a XXXX customer I could move the service from my old address to my new address and pay a reduced rate, since internet service in this area is cheaper. That all seemed normal, since last time I moved the process was similar. 
The next month, on XXXX XXXX XXXX, I received a charge for {$110.00}. This was not part of the standard billing charges. So I called XXXX. The XXXX rep on the phone told me that the in-store rep had done the transfer of service to my new address incorrectly. Instead of transferring the service to my new address, they had canceled the service at my old address and started a new service at my new address. This automatically triggered a early termination of contract fee in the amount of {$110.00}. The XXXX rep on the phone assured me that they would make this right, and mail me a check for {$110.00}. 
I waited 6 weeks for the check to arrive, but I never received it. I called XXXX again, to see what the status of my refund check was. After waiting on the phone and being transferred around for over two hours, I was told that no one could currently help me, and that someone that could help me would reach out within the week. No one ever reached out. 
In XX/XX/2023, after receiving no refund check and no follow-up, I charged back the {$110.00} to XXXX using my XXXX credit card. I gave them all of the details I've provided you here. After a month or XXXX, XXXX completed their investigation. They sided with me, and I received {$110.00} as permanent credit. 
On XXXX XXXX XXXX, I received a letter from CCS USA XXXX Credit Collection Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, stating that I owed {$110.00} to XXXX. CCS states that this letter serves as a notice that this adverse credit information is scheduled to be reported to one or more of the three major credit bureaus. 
XXXX / XXXX never reached out to me to try to collect the {$110.00}, or to ask me why it was charged back.