davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
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. (AZ)

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (FL)

Was given a line of credit but it wasnt my credit that was used for the loan. I asked for a personal loan and was given a consumer loan under another company name using my social security number. I called them twice and was told that they were going to fix it never got a response.
Consumer complaint received 2021-03-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 61 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-02-16
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)

1. There is a wrong address on my credit file. The address is XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX. There are two collections from XXXX XXXX XXXX  that do not belong to me for the amount of XXXX and XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (WI)

The following companies show an XXXX  balance and fraudulent phone numbers to contact on my reports from XXXX, XXXX, and XXXX. 

XXXX XXXX  XXXX XXXX XXXX XXXX  ( XXXX accounts ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (ME)

Got a letter from American Express stating they needed some financial and income documents. Called and spoke with representative on XX/XX/XXXX. Confirmed that my paystubs and bank account info would be enough. They need two she said. I explained I get paid every two weeks. I sent in my next two paystubs. They received the later paystub on XX/XX/XXXX, although I sent it in late XXXX. They cancelled my account on XX/XX/XXXX after entering my information into their computer system on XX/XX/XXXX. I was told today that this was after the deadline, which I was unaware about. This was also not mentioned on the phone call I had on XX/XX/XXXX, although the representative knew I would be sending the second stub no earlier than mid XXXX. Why would they take my information and still cancel?
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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, 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 2021-02-16
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)

I called Transunion to dispute some fraudulent inquiries that were on my credit that was not authorized by myself. This is my 3rd time trying to dispute these. The customer service representative wouldnt even allow me to give them the info I was trying to dispute. Below are the list of inquiries that are fraudulently being reported by Transunion. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- right to privacy
604 A section 2
Usc 1681c (A)
Usc 1681s-2 (A) (1)
Also states consumer reporting agency.
Consumer complaint received 2023-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AR)

I purchased a home in XXXX, XXXX. There were XXXX separate accounts with HUD holding a small mortgage in the approximate amount of {$5900.00}. The HUD account was paid to US Bank Home Mortgage in XXXX and I received a " satisfaction of mortgage '' on the HUD account. In XXXX, I paid off the other mortgage and again received a " satisfaction of mortgage ''. In approximately XXXX, XXXX, I received a notice from HUD that the full amount was due and payable since I had paid off my mortgage. Subsequently, a lien was placed on my home. I contacted US Bank Home Mortgage and was advised that they have no record of either account. I have my records and both account numbers should you need them. 

Your assistance is most appreciated regarding this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

Took out a HELOC w/ USAA way back in 2008. Main purpose was to payoff a second mtg with XXXX. Well, got my title and the XXXX mtg is still there. USAA says they don't keep proof on whether or not XXXX cashed the check. A bank says they dont keep copies of their checks. Right. They also never followed up to make sure the title was cleared. USAA says they have nothing showing the loan was paid other than a cover letter and a journal entry that it was sent. Thats it. No one ever followed up to get the lien off my house. Now I am stuck with a lien on my property I can not get removed as XXXX XXXX ( XXXX ) says they want proof the check was cashed. I know it's been a long time but I just discovered this as I do not routinely review my title. Both banks say it is the other bank 's responsibility and neither has offered any way forward. I am trying to refinance and I cant get this off my title.
Consumer complaint received 2024-04-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Fuel Capital Group (FL)

Last year I purchased a XXXX XXXX from XXXX XXXX XXXX I put XXXX $ down when I first got the car I had to get a new transmission and a long the way more problems kept occurring I then stop making the payments for the car because of the issues few months later the car got repossessed and I filled out a affidavit.
Consumer complaint received 2023-01-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XXXX continued. 

Per WFs request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing.

WF never looked into the fraudulent activities of XXXX XXXX XXXX. The Builder XXXX  XXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... 

I provided XXXX XXXX 's phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. 
I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank.

WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement.

Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. 

The WF game continues. 
XXXX XXXX is a pathological liar and is following the WF line and should be in a different position or business. 
Please provide a more truth telling POC
Consumer complaint received 2019-10-10
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)

I recently had 4 30-day late payments on my credit report. I have email confirmation when payment was sent but yet XXXX still wont correct said error. Each email contains a tracking number to track when payment was sent. In fact, I had one for the month of XXXX and payment was submitted ON TIME. XXXX reports XXXX payment as on time and payment is not due yet.
Consumer complaint received 2019-10-10
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc (GA)

I purchased an item on XX/XX/XXXX, and used paypal 's services to purchase the item. The seller cancelled the sale, however, Paypal hasn't release the refund. I have reached out to Paypals customer service on mulitiple occasions and also filed a dispute. I received confirmation that the funds can be withdrawn, see attachments ; however, they still have not released the funds back to my paypal account to be released. It has been longer than the release date anticipated. 

Amount {$630.00} Paypal Transaction ID XXXX The cancellation number XXXX. Order cancelled on XX/XX/XXXX
Consumer complaint received 2023-03-01
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. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the collection accounts listed on my credit report. I am deeply concerned about the impact these negative marks will have on my credit score and future financial opportunities.

Specifically, I would like to dispute the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection Account ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection Account XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Collection Account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Collection Account I understand that these accounts are listed as collections on my credit report. However, I dispute the validity of these debts and request that they be investigated under the Fair Credit Reporting Act ( FCRA ). 

I have not received any verification of these debts nor have I been provided with any documentation regarding their validity. As such, I request that you provide me with all relevant information pertaining to these accounts, including the name and contact information of the original creditor, the original amount owed, and any other pertinent information. 

I also request that these accounts be removed from my credit report until such time that they can be verified as legitimate debts. The FCRA requires that all information on my credit report be accurate and verifiable, and I expect that you will abide by these regulations. 

Thank you for your attention to this matter. I look forward to receiving a prompt response and resolution to this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-07
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, {$860.00} was withdrawn from an ATM without my knowledge out of my Chase savings account. I promptly filed a fraud complaint through Chase. On XX/XX/XXXX, Chase bank credited my account for {$860.00} while they investigated the fraud claim. On XX/XX/XXXX, Chase reversed the XX/XX/XXXX credits out of my account. I called Chase in order to inquire as to why the credits had been reversed. The Chase associate on the other end claimed the Chase investigation found no evidence of fraud, therefore refused to reimburse me for the stolen funds.
Consumer complaint received 2023-03-01
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. (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 U.S.C1681. ** These items below are inaccurate reports, accounts balances inaccurate dates, multiple creditors under different names, some accounts not mine. ** Creditors below have yet to provide proper documentation, they respond stating all reports are accurate. Which they are not at all. Still can't prove accounts do in deed belong to myself, name, dob, Birthday and social. Acct name : XXXX acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX XXXX XXXX acct XXXX XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX XXXXXXXX XXXX '' acct # XXXX Acct name : XXXX XXXX XXXX XXXX, acct # XXXX Acct name : XXXX, acct # XXXX Acct name : Child Support acct # XXXX Acct name : XXXX, XXXX # XXXX Acct name : XXXX acct # XXXX Acct name : XXXX acct # XXXX Acct name : XXXX XXXXXXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX XXXX XXXX Acct # XXXX Acct name : * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. * 15 U.S.C 1681 Section 604A Section 2 states I must consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication; * 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. * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (MD)

American Express has marked me late for the months of XXXX & XX/XX/2023 for account XXXX, but my due date is XXXX XXXX and todays date is XX/XX/2023 so I have XXXX more days to make a payment. Update immediately my payment history I am not late. I have attached a screenshot of my Amex dashboard account clearly showing the due date of XX/XX/2023. The XXXX statement is due on XX/XX/XXXX. I will make my payment by the due date XX/XX/2023. Update my payment history!
Consumer complaint received 2019-10-10
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)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The debt reported does not belong to me. The debt belongs to a business in which I have never been a manager or owner and can in no way be held liable for such debt nor should it affect my credit report. 
XXXX has no responsibility over the debt of XXXX. My credit report and score should not contain collection accounts belonging to a business of which I am not an owner or manager and by no means responsible for its ' debt.