davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
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. (MD)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-10-26
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. (NC)

XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 EQUIFAX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

VIOLATING MY RIGHTS UNDER FDCPA AND FCRA law. I do not owe such debt. This is a fraudulent account open without my consent. I feel violated. I asked for a wet signature and a contract that failed. THIS DEBT IS NOT VALIDATED I AM THE ORIGINAL CREDITOR ONLY I CAN VALIDATE THIS ALLEGED DEBT.

VALIDATION - The action of checking or providing the validity or accuracy of something.

15 U.S. Code 1692 ( b ) ( 5 ) - Acquisition of location information 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692e - False or misleading representations 15 U.S. Code 1692i - Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

15 U.S. Code 1692j - Furnishing certain deceptive forms
Consumer complaint received 2023-07-12
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. (FL)

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC. (NC)

My account was closed by this bank ( UFB direct ) with no prior notice through e-mail or physical letter. The bank just randomly sent a check to my address however the amount listed on the check does not match the amounts that should have been deposited in the account. I am unable to view the account and the bank has denied me a statement. A customer service rep told me I was not entitled to information about my own account and refused to answer questions regarding my account transfers and balance at the time of closing. However after several requests acknowledged the existence of the regular transfer schedule before again refusing to cooperate when it was pointed out a discrepancy may have occurred
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (FL)

The entire student loan was previously removed from my account for several months as being discharged and then reappeared under a new company ( NelNet ) for the full amount. I am completely muddled as to why the loans would be forgiven and the reapplied to my credit I understand that the process for reviewing and approving loan forgiveness requests may take time, but I kindly request that my application be considered thoroughly at your earliest convenience. 

I am sharing with you any additional documentation or information that may assist in the review of my request. 

I sincerely appreciate your attention to this matter and eagerly await a response. If you require any further information or clarification, please do not hesitate to contact me. 

Thank you for your time and consideration. 

Warm regards, XXXX XXXX
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was the victim of check fraud in late XX/XX/2024. I called Bank of America to explain to them that I was a victim of fraud. They told me that the check should bounce and that my account should not be affected as long as I reported the fraud and do not spend the funds from the check. A couple of days later they closed my account without notifying me, effectively freezing the funds that I have in the account which I need to pay my bills and generally live my life. I have spoken to customer service multiple times explaining that my job has direct deposited my paycheck into an account that I have no access to. They advised me that the account will be officially closed on XX/XX/2024 which is more than a month since the incident has occurred. When the account is closed they will send me a check for the funds that were remaining in the account. I am currently taking out personal loans and asking family members for financial assistance due to the negligence of Bank of America and them lying to me about the fraud not affecting my account. If they would have told me with sufficient time that the account was going to be frozen for more than a month then I would have had the opportunity to move the funds out of the account. Now I am struggling with paying my rent and bills and groceries for my family. Bank of America has XXXX empathy for my situation, even after I explained to them that I was told that my account would not be affected. They claim that they can not send me the funds until the account is officially closed which is unacceptable due to things costing money and me not having access to mine. I was a customer with them for over 20 years and never expected to be treated like a criminal especially after I called them immediately after noticing that the fraud had occurred. They have a recorded conversation of them lying to me about my account not being affected but to refuse to pull the record to prove me right.
Consumer complaint received 2024-04-29
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. (TX)

XXXX, XXXX, and Transunion is falsely reporting XXXX XXXX XXXX- {$2800.00} on my credit profile. 

This account does not belong to me. This is not an attempt to repair credit.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/year> Chase authorized a {$30000.00} wire transfer from my business account, i did not request this wire and i have no idea who the recipient is. I also noticed on the wire request, again i did not request, that Chase let the money go with the name of a closed business account i had years ago to futher prove that i did not initiate this. i called over XXXX  times. Had to lodge XXXX separate claims as the denied the first time so did XXXX  phone interview and they denied, my claim again but said they were sorry i was out {$30000.00}. Reached out to my attorney and he sent me to you as my money was suppose to be secure with Chase but was not and they could care less. i just want my money back so i can part ways with them and let everyone on social media know how i was treated and to beware of Chase i am attaching the bank statement showing the withdrawal as well as the wire request that clearly show the incorrect account name on it. 
thank you
Consumer complaint received 2023-06-17
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. (WI)

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 : 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, 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 2023-07-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC (VA)

I received a warrant in debt on XX/XX/2024 to appear in court on XX/XX/2024 which is only XXXX  days away. On XX/XX/2024 I contacted Scott & Associates , P.C . and requested information validating the debt which included the original agreement I had with the original creditor, XXXX XXXX, which Scott & Associates , P.C . said they would send through email, in which they ( Scott & Associates, P.C ) agreed in which they then asked for my consent to send the information through email which I gave them permission to. On XX/XX/2024, I contacted Scott & Associates, P.C to follow up on why I didnt receive the information I requested through email and they told me that they dont have permission to send the information through email because it would be too large to send through email. I told them that I wouldnt get the information ahead of my court date and they said that it would be sent through regular mail and not email.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am submitting this complaint on my own behalf to address an issue regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (GA)

Collection Agency Cavalry Portfolio Service is reporting a derogatory remark on all XXXX credit bureaus stating that I owe {$13000.00} and this account was opened XXXX XXXX. I have been disputing this for years with this company, this debt does not belong to me, I never had this credit account. They continue to contact me and now they have submitted a judgement that is pending. I was standing outside speaking to my neighbor and a lady she did not identify herself handed me the paperwork and stated that it was not a summons, but I needed to contact the company in reference to this matter. The paperwork was not in an envelope all the information was left open for whom ever this person was to view it. I am very confused the paperwork was dated XX/XX/year>, and it stated that I had XXXX  days to answer to the allegations. I was unaware that Cavalry was taking actions for a judgement, especially since I been going back and forth with this company stating that this was not my debt. How could they do that if I am not responsible for this debt. Cavalry is also reporting this as collection on my credit report. I would like for Cavalry to remove the negative information from all credit bureaus and also remove the judgement and stop sending random strangers to my home in their personal vehicles harassing me about a debt that does not belong to me. I also have my attorney responding to the judgement. Please view the attachment, that is exactly how it was handed to me no envelope, paperwork open for anyone to read it ; even the presenter whomever she was.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

I have been a victim of fraudulent transactions through my Wells Fargo online accounts and their " XXXX '' feature. 
Wells Fargo automatically assigns the " XXXX '' fund transfer feature to all of their customer 's online banking accounts. 
Because of this feature, someone hacked into my online account and was able to send themselves money, out of my account, by just using their phone number and email address. 
I DO NOT WANT the XXXX feature assigned to my online accounts. I have asked them to remove it, and they can't because they say it is an " automatic '' feature for the customer. 
Wells Fargo is putting their customers at risk by automatically assigning this XXXX feature to all customers.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NV)

The late payments on my credit report from XX/XX/XXXX to XX/XX/XXXX are inaccurate and I would like to see the documentation. otherwise it needs to be permanently removed from my credit report as late and updated to ontime payed on time across all XXXX credit agencies Per 15 U.S. Code 1681e
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (HI)

In XXXX, Chase closed my Checking and Savings account due to investigating fraud. I never did anything fraudulent. All I did was deposit money into my Chase account from my local credit union and then try to use and move those funds when needed. I am not aware of anything wrong that I have done and every time I contact Chase, the customer support representatives say that there is nothing they can do because the backend team is still investigating. I tried to contact the Executive office and they said the same thing. The backend team does not talk to customers, so there was no way for me to get help. I was told countless times that I would receive letters in the mail that described why my account was closed, but this never happened. The only mail I got from Chase is the final statements for my checking and savings account that show how much money was in the account right before they were closed. Chase said that they would mail me checks for the final account balances when their investigation is over. It is already XXXX and I have received no help and no solution to get my money back. I don't understand how Chase can have this much power over my hard-earned money that I did nothing wrong with.
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (AZ)

I am unable to send any Zelles from my XXXX XXXX checking account at all. Every time I attempt a transfer, I get an error message that the payment is under review for 4 hours. After the time frame passes, the payment continuously fails. This has been going on for several days. Ive called several phone supervisors and gone to the ATM to verify my contact info. The recipient has done the same actions with no results. No one at XXXX XXXX has any understanding whats going on here or how to fix it. XXXX XXXXZelle needs to solve this asap.
Consumer complaint received 2024-04-29
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. (MI)

I am a victim of identity theft and I've been working nonstop to correct these fraudulent accounts opened in my name now most of these accounts are reporting to the credit agencies and will remain there for 7 years. Which isn't fair when I have no knowledge of these companies nor have I ever done business with these companies. 

A list of credit cards, phones, utility, and checking accounts opened in my name and social security number.
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (AZ)

I have a fully verified XXXX XXXX checking account with a Zelle profile, but I have not been able to receive any payments after over 48 hours of attempts. This person is in my contact list and Im in theirs, and we both have legitimate checking accounts. Weve both called customer service several times to speak with supervisors, and theyve also gone into the branch to verify, but no one can give a clear answer as to whats going on or any possibility of a solution. I was able to send a Zelle to this person today, but they immediately attempted to send something back to me and were getting the same error message. It asks us to wait 4 hours for review, then after the 4 hours it fails every single time. 

This needs to be rectified by XXXX XXXX/Zelle immediately . Theres no reason why my Zelle profile is just not functional with a fully verified account.
Consumer complaint received 2023-10-02
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. (NJ)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Consumer complaint received 2023-05-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I filed this report in order to update this suspicious information. Credit Bureau must authenticate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), or I will sue them. 
XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX  XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.