davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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)

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 XXXX XXXX XXXX. 

US DEPT ED : XXXX, USDOEXXXX 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 2021-03-13
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. (NV)

There are accounts on my credit profile that do not belong to me. I have submitted my personal information as an attachment to depict who I am. Please remove it from my credit. Thank you.
Consumer complaint received 2021-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

CITI BANK account number XXXX ( CHECKING ) When I opened my savings account in XX/XX/XXXX, I was promised a {$400.00} bonus after making certain amount of deposit and kept it for 90 days. On XX/XX/XXXX, I still did not receive the bonus. After making multiple attempts to connect with Citi executive, I was told that there was an error in the system and the bonus would be made within 2 weeks. They told me that on XX/XX/XXXX, and then told me that again on XX/XX/XXXX. Still, on XX/XX/XXXX, no deposit was made until I came into a branch and complained to the manager. 

Due to frustration, I withdrew all $ and closed both my checking and saving account on a {$0.00} balance. The branch let me close both accounts because there was no pending activity. But now after I closedthe accounts, Citibank sent texts asking me to pay for an overdrawn of $ XXXX on my checking account due to some transactions I disputed in the past that Citi now decided to reverse them all. This is not fair.
Consumer complaint received 2021-03-13
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. (FL)

on XXXX I sent a letter to experian concerning the validation of unverifiable/inaccurate accounts that were shown on my credit report. Till this date they failed to respond to my dispute and failed to show me proof on how they were able to verify these account. I am seeking litigation, please delete at once.
Consumer complaint received 2021-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

Hello, I made the full payment of {$220.00} with XXXX and closed the account but the debt collector company " CREDENCE RESOURCE MANAGE '' kept on reporting this with XXXX XXXX. I filed the dispute with XXXX but they refused to resolve the dispute. I have asked the debt collector company to provide me with the current unpaid balance from XXXX XXXX. I'm not getting any response from them. I need this in writings from them. 

Thank you XXXX
Consumer complaint received 2021-04-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

RE : XXXX This is not a duplicate report, XXXX XXXX XXXX added new false derogatory statements by adding : 1. new 60-day late payments for XX/XX/XXXX and XX/XX/XXXX, 2. the first delinquency occurred on XX/XX/XXXX, 3. the account was closed on XX/XX/XXXX, and 4. the last payment was received on XXXX XX/XX/XXXX. 

1. There was never a late or missed payment on the account. Therefore the 30-days and 60-days maliciously reported to the credit bureaus must be removed.

2. There was never a delinquency, however, XXXX XXXX XXXX has reported many false and malicious claims to the credit bureaus between XXXX and XXXX and again between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

3. The property was sold in XX/XX/XXXX and the bank first reported the account closed on XXXX XX/XX/XXXX and continued to maliciously report new missed and late payment delinquencies through XX/XX/XXXX which are being used to impact my credit report and credit scores negatively. 

4. XXXX XXXX XXXX received its last payment from me in XX/XX/XXXX, the property was sold and I was not required to submit any more payments and did not make anymore payment. Therefore, there was never a 30-day or 60-day late payment in XX/XX/XXXX as reported by XXXX XXXX XXXX. These maliciously reported delinquencies must be removed from my credit report and my d scores restored to their values prior to the impacts of the false claims.
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (CA)

paid off loan ( saved receipt and screenshots and video of XXXX $ balance in branch ) Called XXXX XXXX to verify and inquire abt reducing late fees and was told the remaining late fees were non-negotiable and had to be paid BUT were treated as " completely separate '' from Principal and Interest and that to avoid collections i should pay at least once before 120 days elapsed and that would " reset the 120 day clock '' each month AND that it would NOT report to CRA 's as well. NOW after seeing that the system/they ADDED XXXX XXXXXXXX XXXX $ to my previously XXXX account/loan i called to complain and they said the system puts this on to " keep the account open '' so the remainder late fees can be paid- BUT said they don't know if it will then AUTO-REPORT to CRA 's as being {$1.00} and 30days or whatever amount of days 'late ' which would be both illegal and inaccurate. ( As i don't actually owe the underlying 'phantom ' dollar ) Just the late fees, which per their policy don't get reported.
Consumer complaint received 2024-03-27
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (MD)

This bank has been horrible since XXXX changed companies for their XXXX XXXX XXXX XXXX XXXX Credit Card program. Didn't get my cards on time as promised back in the fall. And now they are not fulfilling their responsibility to provide reward redemptions. 
XX/XX/XXXX I submitted requests for point redemptions on two cards. 
XX/XX/XXXX I found that my bank had received payment in pennies not in dollars- misplaced decimal points by two places!! I contacted the bank online through the account XX/XX/XXXX they responded that they are aware and are fixing the problem Today is XX/XX/XXXX and it is still not resolved. 
Due to issues in getting the cards set up in the first place the bank promised extra points for this past XXXX. Then I received a notice in XXXX that they hadn't done points correctly for XXXX and had made adjustments to correct the issue. No report was provided to reflect the mistake or the fix. The fix effectively wiped out the extra points that had been promised.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

Re : Feedback, XXXX, USAA ( XXXX credit card ) Interest dispute : Interest of {$5.00} occurred as a result of USAA failure to provide billing statements as reported to USAA in complaint. All interest an fees were to be removed to this lack as reported in complaint. Complaint contains name and date of my talk with USAA rep. Repeated calls to USAA requesting copies of statements were ignored for months. Finally USAA provided the statements for review for accuracy before payment. Payments were late due to USAA 's failure to provide statements in a timely manner. Many phone calls were made to USAA. No one had taken action to resolve the problem. I had informed USAA that payments, including the {$160.00} payment could not be made until I received the statements. The reps understood this. Payments due were paid in full. The {$5.00}. should not have been billed. 

As to credit limit, I repeat that I never received USAA ' letter and nor otherwise informed of the reduction from {$20000.00} to {$2500.00}. Repeated phone calls to USAA requesting a copy of the letter were ignored. Even after the complaint USAA saw fit not to send a copy of the letter. 
USAA sent a negative remark to the Credit Bureaus resulting in at least a 26 point reduction in my score. Apparently, USAA reduced the limit based on the late payments caused by the company. Such action is unacceptable considering the facts. USAA never provided the " Remark '' sent to the credit bureaus upon my requests. delayed payments were due to USAA 's long delay in statements. 

As to contacting " staff : '' staff has not been cooperative in resolving either issue. Simply put, it's a waste of time. Note that USAA would not send me letters in reply to mine, but provided CFPA a broad statement that could have been given to me 10 months ago.
Consumer complaint received 2021-03-13
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. (OH)

On XX/XX/XXXX I had an individual by the name of XXXX XXXX send me an email from using the company name XXXX XXXXXXXX XXXX in regards to a loan they stated that I was approved for {$1000.00} loan. They asked for all of my identifying information they didn't ask me for my banking information. However I was hesitant and giving them my banking information because I felt it was unusual that they were asking for my username and password the representative then told me that this was normal procedure for them to ask for this information. With hesitance I did provide them with my banking information and unfortunately they had taken money out of my account and they filed fake claim dispute against merchants that I had already paid. The bank then provided my bank account with provisional credit. I then I spoke with the XXXX about the transactions that had taken place with the provisional credit the XXXX stated that they had made a negotiation with my bank and they paid for those transactions themselves however unbeknownst to me it was found out that they had use that money to fund the XXXX dollar loan and had and has stolen {$400.00} out of my account that was already in my account with that being said I try to file a claim dispute myself and cancel those claims that with me my bank This fictitious company had stolen my money the bank charged me and now is negative. would like to know what can I do to get my {$400.00} back and to get my account and find out how to and would like this individual found press charges against her. They also told me sent XXXX via XXXX. 

The amount that was from Chase $ XXXX amount that was taken from me was XXXX.
Consumer complaint received 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

This complaint is about Chase Bank and what we believe is their violation of UDAAP, among other errors and issues, in the process of obtaining the mortgage for our home. 

Chase Bank has admitted that they failed to disclose important tax information related to our property. Because of their failure to disclose to us, or update the closing paperwork that they provided to us, regarding how much our mortgage and monthly payments would be we are now being subject to a paying a short of $ XXXX, and they are increasing our monthly payment by over {$700.00}. 

It is important to note here that on multiple calls with Chase they have ADMITTED to having this important information prior to closing, and they admit to failing to disclose this information to us. They never made this information known to us nor did they update any paperwork to reflect a new amount. Thus we closed on a home without Chase providing us with financial information that they had and we needed to make an informed decision. 

The company involved is Chase Bank. 

The people involved are our loan officer from Chase and his supervisor at Chase Bank who admitted to receiving the financial information and failing to provide it to us prior to closing. We also have confirmation of Chase 's failure to disclose this information from the title company, XXXX XXXX, that serviced our account.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2022, I was charged {$2500.00} on XXXX XXXX On the XXXX XXXX it said I paid a person named XXXX XXXX XXXX. I do not know who this person is nor did I sent that payment. I immediately called my bank and I filed a claim. 2 months later my claim was denied. I also reached out to XXXX XXXX and they help me neither. I tried filing another claim with my bank and a couple weeks later they denied my claim once again.
Consumer complaint received 2021-03-13
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. (NY)

Transunion credit reporting hard inquiries done without knowledge and inquiries without approval. I called transunion for help to remove them that inquiries are not approved by my consent that was pulled without my permission they said it's not a mistake and won't help me to remove hard inquiries from XX/XX/2020 to XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank In Violation of My Credit Profile that has Damaged my credit reports to 8 credit reporting bureaus and had credit scores of XXXX Excellent credit that now I cant get any type of credit Approvals
Consumer complaint received 2021-04-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P. (PA)

I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Consumer complaint received 2023-05-12
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. (PA)

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report. 
15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumerto anyconsumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-27
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. (KS)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (TN)

I got a truck from US Auto had a warranty on it truck was making loud noise took it back to us auto, told me to call my warranty number said no warranty with them that us auto doesnt have a warranty with them and warranty is false to truck to them said they fix it. Called to see when truck be ready they gave me a date call XXXX they was close down then a month later west lake calling about payment but I dont have my truck and telling me payment still need to be made. No one told me they closed down. How do I owe and my truck wasnt fix or given back
Consumer complaint received 2021-03-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (PA)

This company Ability Recovery Services is trying to collect a debt that isnt mines. I disputed this debt a million times. The first time they said it has been deleted since XX/XX/XXXX. Then its still on my credit report. They tried validated the debt to an old address that I havent lived since XXXX. The person took pictures and sent it to my mothers address. The debt has my name but not my correct address ( I never lived at that address ). A credit card ending with 4 digits that I dont own and some other things thats not affiliated with me. I dont have no email address associated with XXXX XXXX account. I have no email as XXXX. My phone number starts with XXXX. I never had one with a 404 area code. I never went to XXXX XXXX. I been at XXXX XXXX XXXX University school since XXXX getting my XXXX. This debt doesnt belong to me.
Consumer complaint received 2021-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (OH)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2023-08-16
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. (GA)

I am disputing a Discharged XXXX Bankruptcy with Equifax Credit Agency and the information they sent me in the mail stating : The Result of Our Reinvestigation Public Record Information This section includes public record items Equifax obtained from local, state, and federal courts through a third-party vendor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have contacted XXXX XXXX they sent me a copy of my report with them there is no Bankruptcy on my report at all with XXXX XXXX and it's dated XX/XX/2023 that's the third-party company that Equifax uses. I need Equifax to stop with the lies and games and delete the items entirely off the report since you use XXXX that's on the letter you sent me because what they are telling the consumer on paper and over the phone are lies and I have the proof to show you. I am going to seek legal consultation about Equifax and these lies. You send information to consumers with the results showing XXXX provided you with the information and then on the phone it's a different story those are lies plus you can't do that period
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo claims that I had a credit card with them ending in the number XXXX which for the longest time was used to monthly auto-pay an account in meal pal for XXXX. This card was on auto-pay from my savings account in wells Fargo. This went on for over 2-3 years before I even noticed it. Upon noticing, I brought it to wells Fargo 's awareness and they have done nothing to solve it. I canceled my savings account with them and all banking relationships with them. To make it worst, they sent me another credit card ending with XXXX and have started to chase us for some pending payments ( which we never incurred ). This is real harassment. We receive a call from their debt collection agency every Saturday at XXXX XXXX and a letter from them every month where we have made it amply clear to them that we have nothing to do with it. 

I am sensing that this is part of a larger fraud here and looking for help in resolving it. not sure how many other consumers might have similar issues with them. 

XXXX