davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
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 USC 1681. 

Account name XXXX XXXX Account # XXXX Amount {$6300.00} Account name : XXXX Account # XXXX Amount {$5000.00} Account name : XXXX XXXX XXXX Account # XXXX Amount {$5300.00} Account name : XXXXXXXX XXXX  Account # XXXX Amount {$1600.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

OnXX/XX/2023 I deposited XXXX in my acount all XXXX ' bills. The ATM did not say out of order before I did it but afterwards a error popped up saying there was something wrong with the machine and they can't deposit my money or return it, my bank has not responded or went out to check the atm they have not even turned off the atm until it gets resolved this was my mortgage money!!
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency.

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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 AM REQUESTING YOU TO PLEASE PROVIDE ME WITH THESE 4 THINGS BELOW, IF YOU CAN NOT PROVIDE ME WITH THESE FOUR THINGS PLEASE REMOVE ALL OF THESE ACCOUNTS FROM MY CREDIT REPORT.

1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX XXXX XXXX  Account XXXX XXXX 4. Account Name : XXXX XXXX Account # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX 7. Account Name : XXXX Account # XXXX 8. Account Name : XXXX Account # XXXX 9. Account Name : XXXX XXXX  Account # XXXX 10. Account Name : XXXX XXXX XXXX  Account # XXXX 11. Account Name : XXXX XXXX XXXX Account # XXXX 12. Account Name : XXXX XXXX Account # XXXX 13. Account Name : XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2023-06-20
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. (GA)

In Accordance with the fair Credit Reporting act XXXX Account XXXXXXXX XXXX  XXXX # XXXX has violated my rights.15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 604 section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

In the early morning of XX/XX/23 my phone and wallet were stolen near the XXXX XXXX in New York. Whoever stole my phone, turned the location services off within XXXX minutes and made multiple apple pay, XXXX and ATM withdrawals. The thief even called Wells Fargo and changed my online banking username and password. That was possible as he had my phone, account number, and online banking access. I called Wells Fargo to block my account and dispute the transactions. I became a victim of stolen funds from my Wells Fargo account and I filed a police complaint with the reference number XXXX. Wells Fargo reimbursed a temporary credit to my account and I thought the dispute had been settled as I had been in constant touch with them and the police. However, this claim was unfairly denied by Wells Fargo. Upon requesting Wells Fargo their comments on this incident, they said that some one had access to my online banking. On my online portal the comment says that, I do not remember making those transactions. Which was clearly not the case. The company failed to take in important facts and have given an unfair resolution to this dispute. I wish to emphasize that I am a victim of a crime, and the unauthorized transactions on my account were entirely beyond my control. Attachment includes the statement of withdrawals and the letter received from Wells Fargo.
Consumer complaint received 2022-11-29
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. (NJ)

I whent to the car dealership to purchase a vehicle. i was not inform that my credit will be ran by multiple lenders. my credit was shared with out my consent by unknown source. 
Hard Inquiry XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-12-08
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: Consumer Portfolio Services, Inc. (CA)

Subject : Deletion of Unauthorized Credit Inquiry CONSUMER PORTFOLIO SERVICES ( finance ) I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. 

The inquiry was made on XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. 

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession. 

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

I received assistance from The State of Arizona mortgage assistance program. I am on my third and last monthly payment from them to Chase. For the last three payments, I have had to call Chase and basically force them to go find the payment from the department that handles mortgage assistance, and have them get the payment and apply to my account. For some reason, Chase is completely incompetent and cant do it on their own. iI always takes until the XXXX of the month for them to do this. And here we are at XX/XX/XXXX, and they still have not applied the payment at the state of Arizona sent on XX/XX/XXXX. I have sent multiple emails to them to go find the payment and get it applied and they still refused to do so. Ive contacted my case manager at the State of Arizona housing department and reported this. The State of Arizona considers this theft, and Im not the only one having this issue with Chase. Not only did Chase steal and lie about my escrow overage amount and falsify tax amounts, but now theyve stolen a payment from the State of Arizona that should be applied to my account for my May payment. Im not quite sure how Chase gets away with stealing peoples money but its going to stop with me. Absolutely nothing has been done on the prior complaints and clearly you people just let Chase get away with stealing their consumers money.
Consumer complaint received 2023-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NM)

XXXX negotiated the debt with XXXX XXXX XXXX and paid it off in XXXX of 2022. I get several calls a week from a company called XXXX telling me that they are calling because I owe XXXX XXXX XXXX which I do not. The settlement was for {$2500.00} and I have emails from XXXX telling me that my debts have been paid in full on XX/XX/2022 2022
Consumer complaint received 2022-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022 an Inquiry was made on my credit report. It was through Capital One. Name on it is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone number ( XXXX ) XXXX. 

It is my name and phone number but I have never lived in California. 

I have contacted all three reporting agencies and Capital one to have this inquiry removed from my credit report. 

I do not know anyone at this address. This is the XXXX time I have seen an inquiry from Capital one on my credit report. Once in XX/XX/2022 and now again in XXXX. The one from XXXX was removed. 

Thank you XXXX XXXX
Consumer complaint received 2022-11-25
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. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CA)

A dispute was opened on XX/XX/2022 regarding a purchase. The request was for the purchase to be switched over to a low APR promotional plan that is offered to members who pay a fee each year. I received a letter with the dispute outcome stating that the original purchase plan would be switched over to low APR promotional plan beginning in XX/XX/2022. 

The plan was successfully transferred over to a low APR promotional plan. NOW the issue is that the Original purchase price is incorrect. My monthly statement has an increased purchase price of about {$2000.00} more. The Original purchase price and statement do not match up. I need my statements to match the correct purchase amount.
Consumer complaint received 2022-12-10
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: Chime Financial Inc (MD)

On XXXX XXXX charged my chime credit card for a pre authorized hold of resort charges. These fees were already paid and Ive provided documentation showing both that they were paid with another card and shouldnt have been charged along with documentation showing this to chime. Ive answered multiple calls and emails and sent in all the documents they requested that clearly shows that I shoood not have been charged {$120.00} and the funds should be returned to me. Im still sitting here 4 weeks later almost and no reply and finds still being withheld. I like chime believe they are a good bank but this isnt ok
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

Equifax has ignored my FTC report during the investigation of identity theft case. They allowed creditors to add false erroneous accounts during a credit freeze, block and fraud alert. Even worse they removed and added different accounts within the same creditors with negative false information. Currently XXXX still allowing me to be victimized-even worse they are actually removing adding different info that was never reported by the actual creditor. I spend hours on the phone with equifax only to wake up with an even more incorrect report. 
Equifax is responsible for a credit score average that caused me to possibly lose my home, not purchase a vehicle. 5 court dates & a high interest loan in order to survive that is currently showing late payments. In return tanking my credit Score even further. They have not responded to the cfpb complaint still to date. However they have been taking action. See documents below.

Yesterday 3 old negative reports were added to equifax report as new reports. These were removed by the actual creditors several Months ago. Equifax lies to me and only instigates me to file a dispute always. They actually force me to file disputes while the status is still under investigation elongating the process even further. 
I feel Absolutely helpless at this point. Someone please help. I am about to give up, sell my business etc. I cant take their financial abuse any longer. Its insanity.
Consumer complaint received 2023-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (VA)

XXXX XXXX was paid {$6.00}, {$400.00}, and {$370.00}. The 'remit to " address changed XXXX XXXX XXXX between the {$6.00} invoice due XX/XX/2023 and the {$770.00} invoice due XX/XX/2023. However, the account number remained the same for XXXX XXXX # XXXX. I am attaching the cover letter and proof all amounts were paid with cancelled checks that were endorsed by the company. I filled a dispute with XXXX on XX/XX/2023 to prove the {$770.00} was fully paid with two checks {$400.00} deposited XX/XX/2023 and {$370.00} deposited XX/XX/2023. I use their website XXXX submission portal and attached all supporting documents that I am also attaching to this complaint. I heard nothing from this dispute and assumed they completed the research and applied the payments properly to fully pay the invoice. 
On XX/XX/2023, I received a collection notice from Paragon Revenue Group ( likely a 2nd placement collection agency for the original debt paid to XXXX XXXX ). The invoice was for the same {$770.00} also included in the attachment file. Thanks XXXX XXXX
Consumer complaint received 2022-12-10
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. (IL)

This is not the first time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX 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 2022-11-25
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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 Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-27
Product: Credit reporting 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 Account XXXX ( XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.
Consumer complaint received 2023-05-25
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: NAVY FEDERAL CREDIT UNION (GA)

THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Section 609 ( a ) ( 1 ) ( A ), [ 15 U.S.C. 1681g ] section 607 [ 15 U.S.C. 1681e ]
Consumer complaint received 2023-09-27
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)

In according with the fair Credit Reporting Act XXXX  Account XXXX ( XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all three credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED OLD ACCOUNT HISTORY REMOVED ALSO NEED THIS ACCOUNT REMOVED FROM PROFILE. ] 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 10 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 ]