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: Experian Information Solutions Inc. (CA)

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 : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00}, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$5200.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-12-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (MI)

Hello my name is XXXX and I wanted to start off and say I have recently been a victim of identity theft and I also was scammed by someone who claimed they was a tax worker and they could file my taxes. I personally had no knowledge of this account in my name whatsoever until around like XXXX or XXXX through checking my XXXX XXXX app.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to purchase a home since XXXX. On XX/XX/XXXX I applied for a mortgage with one company and a second one on XX/XX/XXXX in order to find a good rate. Unfortunately I was unable to proceed with purchasing a home at that time. 

In XX/XX/XXXX I again tried to find a mortgage and purchase a home. I applied with two mortgage companies, and was able to secure a good deal and buy a house. 

This issue is the hard inquiries for mortgage applications in XX/XX/XXXX and XX/XX/XXXX are listed separately with Transunion and XXXX. I suspect this is due to improper coding/labeling as some of the inquires are finance and some are miscellaneous. Neither company provides information or an option to correct this. The hard inquiries are valid, but the labeling is not. I believe I should have 2 sets, not the 5 they are reporting for XX/XX/XXXX and XX/XX/XXXX. I tried calling them as well but the automated answering service also did not provide more information.
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (GA)

1- fbcs inc XXXX XXXX XXXX XXXX Suit XXXX, XXXX XXXX XXXX XXXX XXXX ) sent my letters to connect {$10000.00} 2- fbcs calls me twice per week phone # XXXX XXXX time XXXX XXXX and XXXX time XXXXXXXX XXXX XXXX I want to stop calls and send letters because I am XXXX XXXX XXXX and have no income, receive money from Social Security only
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account from XXXX  ( XXXX XXXX ) and XXXX do not belong to me. They have XXXX XXXX on there. My real name is XXXX, XXXX XXXX XXXX and I have my identification to show somebody use my Social Security number and switch my name around XXXX XXXX just got on my credit of XXXX and it says his account was open in 2020 this is not mines and this is malicious identity theft. They use my name to open up to cell phones, one with XXXX and one with XXXX and its now in collections with XXXX XXXX
Consumer complaint received 2023-04-21
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2000.00}.
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

Commencing on or about XXXX XX/XX/2023, I fell victim to multi-layered scam operation run by XXXX  XXXX  which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).
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. (IN)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Portfolia Recovery is a fraudulent account reporting collections to my credit report for the amount of {$500.00} reported on XX/XX/23. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.
Consumer complaint received 2023-09-26
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. (MA)

In accordance with the Fair Credit Reporting act, two accounts on my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX ... ... has violated my rights to privacy and confidentiality. 

Account name : XXXX XXXX ... ... has violated my rights to privacy and confidentiality. 

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 an account without my written instructions.

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.

These inaccuracies are stopping me from providing a home for my family.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a credit card with Truist ending in XXXX which in XXXX I enrolled it with other credit cards into a company called XXXX XXXX  which works with my lenders and settles my debt. I also have an checking account with Truist XXXX which I pay my other bills from I also was injured and lost my company and now am on XXXX so I get paid once a month on the last XXXX Now over night on the XXXX day of XXXX The Truist Recovery department Ran by XXXX XXXX took {$1000.00}. out of my account without my knowledge nor did I get a receipt or a document letting me know this was going to happen. The also took {$1500.00}. Out my same account on XX/XX/2023.
Consumer complaint received 2023-12-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

My son gave me an American Express gift card on XX/XX/2023. It was in the amount of {$400.00}. I have only been able to use my gift card once. I used on it XXXX/XXXX/203 at the XXXX on XXXX XXXX XXXX in for {$42.00} and purchase went through. However from XXXX XXXX XXXX XXXX. I have been declined at XXXX XXXX, XXXX on line once and a gas station in XXXX XXXX  ( I went inside to make my purchase. I have also been declined at the same XXXX on XX/XX/XXXX where my purchase went through on XXXX day. I spoke with a customer service rep on XX/XX/XXXX and was told my card was declined to my to my safety and protection of my card and that I could try other merchants. I don't have time to go all over town and see if my card will work on a purchase. Their web site says the card can be used anywhere. This is a not true. I can't use my card. I want my money. Also I am reading on the web site XXXX and d this is happening to a lot of people. AMEX is stealing our money!
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I have been trying to purchase a home since XXXX. On XX/XX/XXXX I applied for a mortgage with one company and a second one on XX/XX/XXXX in order to find a good rate. Unfortunately I was unable to proceed with purchasing a home at that time. 

In XX/XX/XXXX I again tried to find a mortgage and purchase a home. I applied with two mortgage companies, and was able to secure a good deal and buy a house. 

This issue is the hard inquiries for mortgage applications in XX/XX/XXXX and XX/XX/XXXX are listed separately with XXXX and Equifax. I suspect this is due to improper coding/labeling as some of the inquires are finance and some are miscellaneous. Neither company provides information or an option to correct this. The hard inquiries are valid, but the labeling is not. I believe I should have 2 sets, not the 5 they are reporting for XX/XX/XXXX and XX/XX/XXXX. I tried calling them as well but the automated answering service also did not provide more information.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My mortgage was sold and is now managed by LoanCareXXXX . I paid every month and early. Their system misapplied the funds. They have proof of all payments and can easily see that the payments were early. However, while it was under investigation, they submitted to all the credit agencies that I was late on my payments. They did not notify me of this submission until after, no warning whatsoever. They have the money, yet continue to report to the credit agencies that I am late on my payments. I have tried to work with them multiple times, and continue to be told that it is fine. However, my credit keeps going down because of their mistake. They refuse to solve the problem.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to convey my profound DISSATISFACTION with your recent assertions concerning my accounts. I am REJECTING these claims due to the absence of any substantive facts or evidence supporting your allegations. Therefore, I strongly encourage you to promptly initiate a comprehensive inquiry into these matters. I demand that you expeditiously challenge these accounts and furnish me with well-documented evidence substantiating your stance. Failing to do so will leave me with no alternative but to pursue legal action to safeguard my rights and rectify this matter. 

XXXX XXXX
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (AR)

Affidavit of fact from consumer XXXX XXXX XXXX Constructive notice public 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692f. Unfair practices 15 U.S. Code 1692h - Multiple debts ( a ) Notice of debts ( a ) Notice of debt ; contents ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 30 a statement that unless the consumer within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) d ( 5 ) a ( b ) Disputed debts if the consumer notifies the debt collector in witing within the thirty-day period described in subsection ( a ) that the debt, or any protion thereof, is disputed, or that the consumer requests the name and address of hte original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verificaton of the debt or a copy of a judgment or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the orignal creditor is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the comsumer has notified the debt collector in writing that the debt, or any portion of the debt is disputedor that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30 - day period my not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability ( d ) Legal pleadings ( a ) Notice provisons 15 U.S. Code 1692e. False or misleading representations the consumer never gave written consent to allow credit agency to report for her living natural person Consumer point where remove prior to reporting that she natural person the consumer wa being violated en legis controller 15 U.S. Code 1692d - Harassment or abuse would like all omission = returned to the original creditor and commission charged to surety under trust indenture act 1939 1933 hrj 192 the trustee of the company shall release all encumbrances back to security holder 15 U.S. Code 1692c - Communication in connection with debt collection ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt. ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of debt in default solely for the purpose of facilitating collection of such debt for another 16 CFR Part 433 1-3 PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENCES
Consumer complaint received 2018-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/18, I initiated a transfer of {$2300.00} from my Chase checking account to my XXXX checking. Unbeknownst to me, XXXX had closed my account before the transfer went through. However, the money was not credited back to my Chase account and is currently lost. XXXX tells me my problem is with Chase and Chase tells me my problem is with XXXX. I have spent the better part of 6 weeks shuttling between Chase and XXXX and spending countless hours on the phone. Neither bank is taking this half as seriously as I am so I needed to do all I can to get a resolution.
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2024-05-05
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: SANTANDER HOLDINGS USA, INC. (MI)

I was looking to purchase a car and I noticed damages on my credit report. According to the 15 U.S.C 1681 law, there should not be any damages on my report. This is a defamation to my character
Consumer complaint received 2023-05-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (PA)

I twice tried to open a {$5000.00} CD ( 4.1 % interest, 5 months ) with Wells Fargo ( first application on XX/XX/2023 ; second on XX/XX/2023 ), each time directly from my on-line account. Both times, my application was rejected because Wells Fargo could not " verify your identity. '' This is, literally, impossible to believe. First, I made application through my on-line account, funding the CDs from money already on deposit. Second, the CDs were to be set up in my name, the name on my accounts.
Consumer complaint received 2022-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ark-La-Tex Financial Services, LLC (TX)

I recently was approved for the partial claim loan and the amount was for XXXX. I also made a payment in XX/XX/XXXX for XX/XX/XXXX of XXXX which totals to XXXX. I am not sure why there is still a balance for XXXX for the month of XX/XX/XXXX. I was informed that the payment I made in XXXX for XXXX is in a suspense account and has not been applied to the mortgage payment. I have made several attempts to call the mortgage company and I need details as to why there is still a balance showing that should have been cleared. XXXX payment due date is approaching and I am very concerned.
Consumer complaint received 2024-04-10
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX  Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2023-09-26
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)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation
Consumer complaint received 2023-12-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

Have tried to use the pre paid American Express gift card online and at various merchants to ultimately get the card declined every single time. Upon doing research online, have found that this issue is quite common with many people who have been gifted or purchased the American Express Gift Card.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 2023-05-02
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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