davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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, XXXX XXXX XXXX, Account XXXX and Account 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 an account without my written instructions.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

I was in a very uncomfortable situation on XX/XX/2023 and was vulnerable with sharing my personal information with Regional Manager in Central Florida ( XXXX XXXX ) and his assistant XXXXXXXX were slow to respond and disrespectful after I was about a situation in XXXX. I'm not sure if he actually spoke with the Fraud department at Truist and he informed he would do his best to help. This was the supposed claim number XXXX XXXX XXXXXXXX ) for my checking  account ending in XXXX copied directly from the Truist email on XXXX XXXXXX/XX/XXXX at XXXX XXXX. I received a phone call the following XXXX afternoon with an unhelpful answer and abrupt demeanor. 

I even brought this information to a local XXXX XXXX XXXX agency who suggested I contact XXXX in XXXX who referred me back to the local XXXX XXXX. 

Since this situation in XXXX, I have needed to contact Truist multiple times for password resets since their website is so unreliable as is the application on my phone after reinstalling it multiple times and I was referred to their 800 number ; XXXX where I have to start fresh and explain again who I am. Some attempts are twice in XXXX day as an example on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and more recently this week, XXXX. 

XXXX XXXX XXXX in XXXX XXXXXXXX XXXX on XXXX XXXX lied to me in person to get me out of their office and I hope this document is not a waste of time and I plan to close my account as soon as I can. I was blamed for my name being spelt wrong in the XXXX branch by a female manager.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is one of several attempts to inform the 3 credit bureaus that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The records I'm questioning are related to no transactions involving the acquisition of products, services, or money that I initiated or authorized. Assuming no one cares, erase any information in my credit report that is the result of alleged fraud or extortion. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX  XXXX Balance : {$110.00}
Consumer complaint received 2023-08-03
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)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXX. Please remove immediately.
Consumer complaint received 2023-10-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (OR)

XX/XX/2022 I bought a used XXXX thru XXXX XXXX, financed by XXXX XXXX XXXX. I have a hard pull showing for this purchase on the same date by Wells Fargo Dealers. When I reached out to XXXX they said that I need to speak with Wells fargo dealers, and they will remove it, in accordance with the FCRA rules on rate shopping for auto loans. 
I spoke to three different people at wells fargo who all transferred me to someone else. The last gentleman I spoke with gave me a fax number and said that there was no way for Wells Fargo could remove this hard credit check ( violating the FCRA guidelines on rate shopping for auto loans ). 

Please remove this incorrect hard credit check from my report. It has already caused financial damage to me as I was denied by XXXX for a XXXX XXXX XXXX this year due to too many hard credit checks. 
I will be consulting a lawyer, as this issue has drawn out and produced nothing productive from either Wells Fargo or XXXX.
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AL)

on XX/XX/2023, someone by the name of XXXX XXXX added themselves as a zelle recepient without my knowledge and used my Wells Fargo zelle service and withdrew the amount of XXXX dollars out of my well fargo account and sent it to theirs. Once this transaction was made, I was contacted immediately by the wells fargo 's fraud detection department. There were also addresses that aren't mine added to my account and some of my wells fargo bank related mail were being sent to those as well. The agent asked if this was an authorized transaction, and I said no and he told me that he would cancel this transaction and send me a link to update my id and password. None of these ended up happening and the transactions were eventaully confirmed. So I contacted wells fargo to submit a fraud claim for this transaction and they also helped me close my current account and create a new one. Within 10 days, I was notified from wells fargo that they deemed this transaction authorized by myself and will not be taking any action.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ENCORE CAPITAL GROUP INC. (CA)

This company offeres me a credit card by mail. I called the phone number to get the card. After recieving the card I did not get acorresponding address to pay bill. They charged me money that I didn't even spend. Then when I tried to call the number on the back of the card, they did not answer the phone. I called dozens of times to resolve this matter. On the couple of occasions that they did answer I asked the rep. to speak with a manager, and each of the few times I did this I was disconnected.

When I finally did receive a bill it was filled with outragous fees for being late on a payment.

This company is now harrasing my credit.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I'm being Stalked by someone high up in government. I most recently began to gather proof of being stalked with credit card and credit reporting issues. Here 's an example of what they are and have done and here is the issue for this report. I opened a XXXXXXXX XXXX XXXX  credit card around XXXX, XXXX. My closing date was XX/XX/XXXX. I received my first-time statement in the amount of {$110.00} with was legitimate charges. A week later, I go to pay my bill and it stated on-line that my balance was XXXX. I knew immediately that someone committed fraud on my account. I contacted the merchant and immediately they submitted a fraud investigation. On around XX/XX/XXXX the fraud charges where reversed and balance was corrected. The only statement that I have received with this company is one statement which was the correct amount of XXXX. My balance as of XX/XX/XXXX was {$1.00}. On XXXX XXXX   it was reported to the credit bureaus that I had a balance of $ XXXX.They never reported the real statement balance of {$110.00} The fraudulent charges were even removed before they reported and it's not even time for me to receive a statement again because it does not close until XX/XX/XXXX. It took my credit score down XXXX points. You may say, oh no that's one instance. No, this has happened to me on several of my credit cards and loan accounts. My score was lowered on one of them because my balance decreases XXXX points because on one of my credit card balances went from {$1.00} to {$2.00}. yes, just a dollar. I have superb payment history. There are many more examples of this. Please contact me. T
Consumer complaint received 2023-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

When I took out the loan, I was told the PMI would be dropped when I had enough equity in my home. I have met the requirements for removal of PMI and rocket mortgage refuses to drop the PMI, unless I pay {$190.00} to have an inspection. I originally paid XXXX XXXX  for the home, and financed XXXX. The balance on the loan now is XXXX XXXX The value of my home has increased in the XXXX range. Even if that were not so, the current balance of my loan XXXX XXXX meets the requirements to drop the PMI and I should not have to pay a fee. 
Please help. Thanks.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There were inquiries fraudulently being placed on my account without recognition and without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 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 XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to express my deep dissatisfaction and disappointment with the handling of my identity theft complaints by your bureau. This issue not only involves the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied upon to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (MI)

XXXX XXXX has a collection on my XXXX and XXXX credit report from two collections agency for a debt thats not owed. XXXX  XXXX has a paid collection on my credit report reporting as open.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

My identity was stolen and someone used it to open accounts in my name. It has been an absolute nightmare and I can't seem to get anything resolved I'm almost at the point of giving up. XXXX keeps sending me a statement they have on file for me for {$210.00} for an account I never heard or opened each time I dispute with them, its getting ridiculous I'm just going in circles with an account I never opened. I've sent my police report number, notarized identity theft affidavit, frozen my credit report, spoke with them on the phone multiple times but all they do is send me mail with the fraudulent account and nothing is ever resolved and they are not interested in helping resolve anything what so ever.
Consumer complaint received 2022-12-09
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 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 Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-10-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (WI)

I have been called 6 days a week 5 or more times a day from this company. I told them this is illegal. They told me they are allowed to call me 5x a day and have me setup in the system that way. The manager told me their lawyers are aware of their practices. I need this to stop.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX  {$650.00} Credit collection servic {$370.00} Credit collection servic {$260.00} These are all collection accounts across my credit report that I am not responsible for! Ive never had a contract nor agreements Ive filed identity theft reports and yet Transunion, XXXX and XXXX are still violating my rights to privacy and have accounts showing on my report that Im not responsible for!
Consumer complaint received 2023-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a violation of my rights and the reporting agency has violated my rights per the consumer credit/finance laws.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears again that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files.
Consumer complaint received 2023-10-05
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. (FL)

I have hard inquiries on my credit profile that need to be deleted/ removed from my credit report asap. All inquiries will be in my ftc report. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (PA)

Knowing student loan payments were set to resume, I diligently logged on to my new student loan servicer 's website, Aidvantage, weeks before my first payment was due. Initially I had decided to set up autopay on my loans for the minimum payment, which I set up. However, I had later decided to overpay on my student loans, and went back on to the servicer website to set up my autopay accordingly. Instead of my normal minimum payment of approximately {$1500.00} per month ( the minimum on my selected plan ), I elected to pay a total of {$4000.00} per month, overpaying approximately {$2500.00} on the loan that carries the highest interest rate. I set up an autopay for each loan, ensuring I paid the minimum on each but also overpaying on that highest-interest-rate loan. 

After setting this up, Aidvantage actually canceled my autopay without my authorization. After that, I went back in and set it up again to ensure it was correct. But that initial autopay calculation is not the worst of it -- after I set it up again, starting in XXXX, Aidvantage took out the {$1500.00} minimum payment, and on the next day, took out the full {$4000.00}. This caused me to pay a total of approximately {$5500.00}, rather than {$4000.00}. Aidvantage not only did not handle my autopay set up correctly, but without authorization took an additional {$1500.00} from me without authorization. The only autopay I had set up on my account was for {$4000.00} total. 

The setup process for this servicer is fundamentally flawed. I will now have to submit these overpayments manually each month, as I don't trust they will take the correct amount each month as promised.
Consumer complaint received 2023-11-30
Product: Credit 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: DISCOVER BANK (OH)

I bought the XXXX XXXX and it didn't work on my tv. I asked for a refund and I'm having a hard time getting a refund. Please help. There's 3 people involved in this complaint : 1. 
XXXX the company that sold me the device XXXX, 2. The United States Postal Service that could supply a tracking number for my return to XXXX XXXX and 3. Discover credit card that i used to purchase the device XXXX
Consumer complaint received 2021-05-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED, these account are not mine and are fraudulent account and these company refuse to eliminate these account from my report XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-28
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.