davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my report XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$220.00} XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-05-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

We did a purchase to a Company XXXX XXXX XXXX, they provided to us the bank information. Supposedly the bank information they provided to us belong to that company name, but wasnt true. This account belongs to another person and not to a company. The company or person scam me and I dont know why the bank that this account belongs accepted the wire transfer if the Beneficiary name is different. 

Let me explain better. 

The bank information this company provided to us was : BENEFICIARYS BANK : CHASE BANK BENEFICIARYS BANK ADDRESS:XXXX XXXX XXXX XXXX XXXX, GA XXXX ABA ROUTING NUMBER TRANSIT NUMBER DOMESTIC WIRES : XXXX BENEFICIARYS ACCOUNT NUMBER : XXXX BENEFICIARYS COMPLETE NAME : XXXX XXXX BENEFICIARYS COMPLETE ADDRESS : XXXX XXXX XXXX XXXX ACCOUNT TYPE : Business checking We put this information in the wire transfer instructions. After that the company received the funds, they provided to me a fake tracking number.They didnt dispatched a product we paid for and never again answered my emails after that. 

That is why I investigated personally in the cashier, this account number doesnt belong to this company. Belongs to a person named XXXX XXXX. So, I dont understand why the Chase Bank accepted the wire transfer if the information on it werent correct. I have the wire transfer receipt and all the information that support this.
Consumer complaint received 2023-02-03
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: Resurgent Capital Services L.P. (DE)

Bank did not set off the account. Debt has already been taken care of.. violations a.violation of Securities Exchange Act of 1934.

c. an adverse claim found at UCC 8-105 ( b ).

d. violation of 31 CFR 103.35 - FINANCIAL RECORDKEEPING AND REPORTING.

e. violation of 17 CFR 240.15c 1-2 - Fraud and misrepresentation.

f. violationof18USC1956 - Laundering of monetary instruments.

g. violation of 18 USC 1957- Engaging in monetary transactions in property derived from specified unlawful activity.

h. violation of 31 USC 5324 - Structuring transactions to evade reporting requirements.

1. violation of Truth and Lending Act Section 1640 ( h ).

J. violations is Anti-trust laws.

k. violation of the Uniform Deceptive Trade Practices Act.

1. violations in bank fraud.

m. violations in wire fraud.

n. violation of the Consumer Credit Cost Disclosure Act.

o. violation of False Advertising.

15 USC 1692a ( 6 ) ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

( 15 USC 1692e ( 10 ) by using a false representation or deceptive means to collect or attempt to collect any debt.

15 USC 1692e ( 8 ) by communicating credit information, which is known to be false title 15 subsection 1666 this is a billing issue
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It  May  Concern  XXXX   XXXX .  XXXX   XXXX   XXXX , CA  XXXX  Experian  XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX .   XXXX    XXXX   XXXX , GA  XXXX   XXXX ,  XXXX  SOC #  XXXX  DOB   XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  FL   XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item (  s  ) listed below are as follow : Have enclosed a copy of my Id an d two  bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  B EEN LIVING THERE SINCE   XX/XX/XXXX   THESE ADRESSES ARE MY OLD ADRESS :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with  15  U.S.C.  1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your in vestigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant  to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to  me and all creditors who have received a copy within the last 6 months, or the last   2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.       Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the  item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal  Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX  SOC #  XXXX  DOB   XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2022-11-15
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. (WI)

First I asked XXXX, Transunion and XXXX to check the information on my report and to delete certain items. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate and multiple Collections reported monthly. This is ground for removal and monetary relief.

They also violated the law because according to the FCRA the Credit Bureaus never did a proper *investigation* according to the FCRA, The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics ; or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information they did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

In accordance with the Fair Credit Reporting act 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. I never gave TransUnion, XXXX or XXXX my written consent or instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-27
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: Experian Information Solutions Inc. (IL)

In XX/XX/XXXX, My husband and I financed a vehicle through XXXX XXXX XXXX. During the loan XXXX XXXX Now illegally activated a remote disable device on my vehicle preventing medical transportation, and violating state pandemic protections. Governor of Illinois XXXX order number XXXX to be more precise. 

In XX/XX/XXXX, my husband and I fell ill with XXXX. Unable to properly access healthcare, because of issues with transportation his XXXX unfortunately relapsed and he now requires permanent XXXX and XXXX which he will have to be on for the rest of his life. 

We notified XXXX Now of our hardship due to the pandemic and the financial burden it had caused. We voluntarily surrendered the vehicle on XX/XX/XXXX, as instructed. However XXXX XXXX Now unlawfully garnished my husbands wages without notice or a valid court order. Then a month later they returned a portion of what they had his job garnish. To this day we're still confused as to how they came up with the amount question why the amount and why the return of a portion of it. We asked them in our certified letter to explain this as well. Before sending the certified letter XXXX XXXX Now, My husband made a call to the XXXX Now office to request information on the amounts stated on our credit files. We wanted to know if the vehicle was sold because if so, we werent given credit for it, as well as questions regarding the wage garnishments. The woman he was speaking with in the finance office, literally laughed when my husband was trying to explain his illness. This is very discerning. She referred to him as not being truthful about his XXXX and the XXXX issues we experienced. Not only have they violated so many laws and regulations but to laugh at someone being seriously ill is beyond comprehension as well as professionalism. 

We disputed this improper debt collection and requested validation, XXXX XXXX Now failed to provide, violating the FDCPA. The invalid repossession also continues damaging both of our credit unlawfully. 

XXXX Nows willful disregard of the FDCPA, state debt collection laws, wage garnishment laws, and pandemic protections have unjustly harmed us. I request an investigation and enforcement action against XXXX Now for : - Illegally disabling my vehicle during state pandemic restrictions- Unlawful wage garnishment without notice or court order - Failure to validate disputed debt as required by federal law - Inaccurate credit reporting and wrongful repossession notation, collections - Lack of response to consumer complaints and violations
Consumer complaint received 2024-03-26
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-15
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. (NC)

This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX.
Consumer complaint received 2022-11-15
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)

Trans Union XXXX Did not delete incorrect errors on credit report as requested. 
All errors are not consistent on all the credit agencies.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Upgrade, Inc. (IL)

I still have the previous complaint. I will sum it up briefly again. 
Hello, I spent over a month trying to sort this issue with the Upgrade , Inc. Their numbers on the statements do not match. I spent about 2 hours on the phone with their rep/supervisor XXXX and explained to him the problem. He should have escalated to back office, explain that we looked at XXXX or 4 months timeframe to isolate all disputes that were causing the confusion. We calculated all my payments, interest accrued during those 4 months, it created shortage of {$1200.00}. After that we deducted the 2 deposits to XXXX ( XXXX and XXXX ) and there is still around XXXX short. I called later and was practically blown off by other reps including rude XXXX XXXX who hung up on me, and then XXXX who basically stonewalled me. He said everything is correct. I asked him to either connect me to the the department who does the review, and he refused that. I asked him then to forward my email with explanation to that department and to forward back to me their response- he refused that too. Their statements are designed to be impossible to understand a thing, and I am a XXXXXXXX XXXX XXXX XXXX XXXX Their customer service is just as bad, and company acts as a fraud. I borrowed close to $ XXXX from them across XXXX accounts, and never was late while paid off almost all I owe, and for that I get such treatment. 
HERE IS THE ASK : PLEASE PROVIDE ME WITH DETAILED CALCULATION OF EACH TRANSACTION RELATED CHARGE, TRANSACTIONS LIST AND EVERYTHING ELSE THAT IMPACTS THE BALANCE INCLUDING THE INTEREST FROM XX/XX/XXXX TILL XX/XX/XXXX. YOU MUST ACOMODATE YOUR CLIENT AND EXPLAIN HOW YOU CHARGED ME AND FOR WHAT
Consumer complaint received 2022-11-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Hello Digit, LLC (TN)

This complaint is regarding the XXXX XXXX. I have been a customer for over a year and this savings app takes money from my account to place in my digit savings account. On XX/XX/XXXX, I attempted to log in as I do multiple times a day and the app no longer accepted my pin. We went through the two step verification to log in and it turns out that the account still has my old phone number attached so I can not receive my verification code. I checked the digit help center and there is no phone number to call, only a help email address and help center. I created an inquiry through the company website on XXXX as well as sending an email. Another email was sent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have upwards of XXXX dollars in this savings that I use for bills. I am unable to access my funds and the company is still taking money out of my checking account. Please help me gain access to my funds.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On my Equifax credit report there is a hard inquiry from XXXX XXXX. I at no time requested any credit products from XXXX XXXX and i want this hard inquiry removed from my credit report immediately.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (WI)

On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

The account XXXX XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX of dispute required by CRA after 30 days following a reinvestigation. No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? Its been way over 30 days and still no results on any investigation. Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. I thought a CRA had 30 days to complete a full investigation please detail me on why the law has been violated? 

This has been an ongoing issue with no resolution. How is this account even reporting while the United States Bankruptcy XXXX reports to no one? If you are unable to explain how you obtained this information, please delete it. If you can not provide a letter from the court, or any form of communication showing they validated this, then please delete it.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, 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 contacted XXXX who has directed me to Equifax and XXXX. Equifax and XXXX who keeps directing me back to XXXX I am an authorized user on this account and it use to show on my Equifax and XXXX but it seems they have removed the trade line in correctly. I need it to put back on my Equifax report and XXXX. I am getting no where with anyone. Below is the beginning of the account number. XXXX
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens bank has been holding my account since XX/XX/2021, and wont let me close it or release the funds. I was told to come into an office and Identify myself. Which I did & funds were not released after that. I have filed reports with the XXXX  and also spoke to reps at the bank and branch. They are holding my account with a freeze, but charging me monthly maintenance fee 's. This has been going on for over a year. Ive also obtained outside legal help with this and been told to follow procedure here. My niece is also on the account with me, and her funds are also in a limbo status
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In  XXXX   2017 , I submitted a dispute with the  XXXX  credit reporting agenices that the information  XXXX   XXXX  is providing them regarding my account is inaccurate.  XXXX  of the  XXXX  reporting agencies investigated my request and  XXXX   XXXX  repsonded to their investigation claiming the information they submitted was accurate.     On  XXXX   XXXX ,2017, I sent a letter certified mail with a return receipt to  XXXX   XXXX   XXXX  requesting them to provide me account information on a foreclosed property that they serviced a loan on. I informed them I was directly disputing the information as I did not think the dates of last payment and the dates of foreclosure were accurate. As per the RESPA, I requested them to acknwlegde my request within 5 days and to provide me a response within 30 days. Additionally, during this time, per RESPA  XXXX    XXXX   should not be reporting any information regarding late payments to the credit reporting agencies. On  XXXX   XXXX ,  2017 ,  XXXX   XXXX  recieved my letter. On  XXXX   XXXX ,2017 I received a letter from  XXXX   XXXX   XXXX  dated  XXXX   XXXX , stating that they would not process my request for them to provide my account information becuase the letter that I submitted was not signed. The letter I submitted to  XXXX  was initialed by me. On  XXXX   XXXX ,  2017 , I faxed over a signed copy of the letter, and I also sent another letter via certified mail return receipt that was recieved by  XXXX  on  XXXX   XXXX .  XXXX   XXXX  did not respond to my account inquiry, however on  XXXX   XXXX , I was notified by Experian, a credit reporting agency that  XXXX    XXXX    responded to their investigation and advised them the information they were reporting was accurate.