davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

In the first week of XXXX. I was no XXXX that there was some suspicious charges on my account from wellfargo. They hand shut down the account. So I went to the bank and talk to the banker. He noticed XXXX transfers thew XXXX to XXXX XXXX totalling XXXX XXXX XXXX XXXX dollars that I was not aware of. I do not no this person at all or never heard of here .So the banker called the fraud department to let them know about it..Fraud said they would contact me. Weeks went by no contact.Tried to contact them several times. Finally after weeks I got in contact with them.Now it's been XXXX months since this happened. After several phone calls and no solution. I was told to make a police report. I did and sent it to them. Waiting for response none. So again tried to contact fraud department finally got a hold of them they said they didn't receive the police report. So this time I faxed it and got a confirmation showing that the had received it.more times going by. Weeks and weeks. Still no contact back.finaly got a hold of the XXXX  fraud department. They said XXXX  we got the report back in XXXX??? Some body 's living. All I want thim to do is make good on the money that has been fradley taken from my account. I'm XXXX XXXX year 's old and retired with a fix income.and that is some of my life saving. And when I opened this account I was told that it was insured no problem. Here it is XXXX months going on XXXX months and no solution yet. Please help. And yes I want you to publish this. As it is XXXX XXXX to let alone fraud. Thanks XXXX XXXX XXXX
Consumer complaint received 2022-12-21
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. (AL)

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 : # 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 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 2022-12-03
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. (FL)

I DIDNT AUTHORIZE ANY OF THE BELOW INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (IL)

So i started by calling XXXX on XX/XX/2023 at XXXX to try to understand why a charge of {$430.00} is showing up on my Credit Report with the original creditor being XXXX when i finally got in touch with XXXX Customer Service Representative they look into my account that i had with them over 3 years ago they then proceeded to tell me that my account had been closed for multiple years and i had no charges pending for the amount of {$430.00} from XXXX and then began to tell me that the charges were coming from XXXX since XXXX and XXXX merged then proceeded to tell me that they would transfer me to XXXX because even though they are merged they still have separate departments so they transferred me to XXXX and i finally got in touch with a XXXX Representative they began to look into my XXXX  account i also had over 3 years ago and proceeded to tell me that the account was closed 3 years ago and they have no pending or previous charges of {$430.00} and ended the conversation by telling me i should visit a XXXX store and to bring a bank statement showing the charges i proceeded to try to clarify that i wasnt charged the {$430.00} that it is showing up as a Debt Collection on my Credit Report and that it wont show up on my bank statement they continue to tell me to visit a XXXX location with a bank statement completely disregarding my explanation of it showing up as a Debit Collection on my Credit Report.
Consumer complaint received 2017-05-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (CA)

I have disputed this account numerous times be the debt does not belong to me. They were deleted off of   XXXX   and now today  XXXX   XXXX  they have reappeared again on my  XXXX  credit report. They are no longer on my  XXXX  report and I need them removed from  XXXX  and  XXXX  and they are sliming my chances for credit and future home buying! They debt from   XXXX   XXXX   was sold to Ad  Astra Recovery Services  and I do not have a contract with Ad  Astra Recovery Services so  No Contract means no debt is owed to them. Because I have been through this multiple time I would like for Ad  Astra Recovery Services to provide me a contract with my signature stating I owe them ( Ad Astra   Recovery Services )  within 30 days of this complaint and if they can not furnish that I NEED them to close the account and report to   XXXX   and  XXXX  as closed and have them remove it from my credit reports!
Consumer complaint received 2022-12-22
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: DISCOVER BANK (MA)

XX/XX/2022 to XX/XX/2022 I received free play and a complimentary overnight stay at XXXX XXXX XXXX XXXX. I could not stay that night. I called the hotel casino to cancel my free night stay. And I was told if I cancel I would pay a fee. I told them that dose not make sense. Its a free room I receivedXXXX XXXX told me that's the rules. So I didn't cancel but never showed up. And they still charged me. I made a dispute with discover and they ruled against me. I am charged {$110.00} Which isn't right.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

I keep having ongoing issues with my bank Wells Fargo. Firstly, I get XXXX. There was a time in XXXX when I could not access, my money because they would not let me access it because I had a municipal Photo ID which they would not accept. I could not get to the XXXX due to homelessness and I was having serious trouble finding help with any agency in XXXX XXXX. I had about {$2000.00} in the bank with no way to touch it because they would not allow me to withdrawal. They would allow me {$100.00} at a time, daily, but how could I pay bills with that. 
One manager said to me " didn't I give you {$100.00} yesterday '', I said " excuse me, I manage my money, you do not manage my account '' I was appalled. It was on XXXX XXXX in XXXX, XXXX It XXXX XXXX XXXX for a while before I withdraw-ed all my money and went to another bank. I had to come back to Wells Fargo because I'm having problems with credentials and it was just easier. I keep getting my bank card/ wallet stolen for a while due to XXXX XXXX XXXX XXXX XXXX XXXX. I need help. 
I've been to Wells Fargo and I need you to look into these potential bank card numbers. They tell me to call customer service but I explain to them I'm hearing impaired and I need help and I'm brushed off. My sisters aren't around and won't help me, I'm alone. I just got over XXXX XXXX which was difficult due to the masks because I read lips and I'm constantly dealing with people stealing or ridiculing me. I need help. I keep trying to place police reports but I'm not being taken seriously. I have photos I've collected for years, but no one has asked to see them. 
My face is even showing up on XXXX XXXX and my family is XXXX XXXX saying it isn't me. I have a tons of photos and I believe I'm also not receiving the benefits I deserve. Not to mention the {$18000.00} in XXXX I put in for working 11 years at my former brand before the pandemic made me unable to work due to communication issues. 
I'm also having issues with XXXX that Ive just sent a report to the FTC I could go into detail but Im experiencing similar issues. 
Please take the time to read all of this. I'm still homeless and barely getting by. I don't know what to do anymore and any assistance from you would be greatly appreciated. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2022-12-22
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'd like these accounts repaired ASAP : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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: Bread Financial Holdings, Inc. (TX)

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( XXXX, XXXX and/or XXXX ) credit report. My latest credit report shows credit inquiries that I did not authorize from XXXX XXXX XXXX 

I am writing to dispute the following inquiries and ask for their removal from my credit report. I did not apply for credit, loan, or have done any business with XXXX XXXX XXXX 

Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
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. (GA)

The following accounts added to my credit report are as a result of identify theft fraud Accounts XXXX. XXXX XXXX, Acct. # : XXXX ; Date Opened : XX/XX/XXXX XXXX. XXXX XXXX, Acct. # : XXXX ; Date Opened : XX/XX/XXXX On XX/XX/XXXX, I sent a letter to TransUnion stating identity theft via USPS XXXX Mail ( XXXX XXXX XXXX XXXX XXXX ). 

On XX/XX/XXXX, I received an updated credit report dated XX/XX/XXXX stating " the disputed information was Verified as Accurate.. ''. However, pursuant to section XXXX of the Fair Credit Reporting Act, the reporting agency DID NOT provided any supporting documentation showing proof that the reported items actually belongs to me. 

Attached is a copy of the following : - Original identity theft report - Letter to Creditor sent on XX/XX/XXXX - Certified Mail Tracking Confirmation ( received ) - Dispute result from TransUnion Report ( dated XX/XX/XXXX )
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (NY)

My Home Loan was with XXXX without my knowlege trasfer my loan to SLS special loan service thgey took mutiple payment from my BANK account Give me trouble sionce very first day when i provide them my account number when i reauest to correct amount they increse more monthly payment when i request again they sent wrong info to credit beuaru my loan in modification my score down and impact my good hiostory make meesed up very unprofesional and incenane
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reached out to TransUnion by certified mailed as well as uploading information. After receiving my certified mailed they insisted that I call to verify that I sent the information through mailed regarding my Credit. I explained to them that I sent them the information I told them I will give them the registered mailed number. I gave them the number and I also sent them a copy of my DL and my SSN. They received it on last Friday XXXX. I called TransUnion on XXXX at XXXX talked to agent XXXX employee number XXXX. I explained to her my problem explained to her I was calling about my Credit Report. She said that my paperwork was not excepted after me verifying myself and after me calling them telling them I sent all the information they received by certified mailed and also I uploaded the same information to my file that they received by mail. She then told me my information was not excepted. I stated to her I sent the information in not a third party. I explained to her how my consumer law rights were being broken. Because there are fraudulent accounts on my report that I needed to be removed and also information that was violating my consumer law rights. She transferred me to XXXX supervisor who said he did not have an employee number. I explained to him how my rights were being broken how I keep calling for help on getting them removed. I sent them my information proving it's my account but they keep giving me the run around. Spoke with XXXX XXXX, XXXX, XXXX XXXX, XXXX then with XXXX then XXXX who told me they don't excepted FTC reports. Not understand why that information is not excepted by TransUnion.
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: Experian Information Solutions Inc. (TX)

In accordance with the fair Credit act XXXX Account XXXX XXXX, has violated my rights. 
Per fair Credit Report act Laws you can't have a pass due balance on a closed Charge off account. 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. 

XXXX XXXXL Account # XXXX, Has violated my rights. 
15 U.S.C 1666B A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

18 USC 894 NO negative information should be furnished to your credit report without your lawful authority. Committing unlawful extortionate means such as furnishing late payments, chagere offs, etc.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (AZ)

My name is XXXX XXXX, I have an AMEX platinum card ending in XXXX. I purchase a XXXX XXXX-year membership on XX/XX/2022, and I cancel the XXXX  membership on XX/XX/2022. XXXX stated that the unused membership will be prorated refunded, and that's the two charges of {$15.00} refunded showing on XX/XX/2022. However, AMEX recharge the XXXX {$15.00} on my account on XX/XX/XXXX. This is not right, since I get no refund from XXXX at all. I called AMEX and the agent said he will file a case to get both charges refunded, but until now I don't see any refund of the XXXX {$15.00} on my account.
Consumer complaint received 2017-04-05
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (AR)

I have asked XXXX for about 3 years to verify my debt by sending me a signed contract with my signature to verify debt. Instead all they send was transaction histories which could not in fact prove that this is my debt. I have told them that I am unaware of this debt, so they send my account to collections ( Midland Funding ) which tried to garnish my check without still verifying my account. Midland Funding refused to talk to me and here I am stuck with paying a unverified account.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

During the months of XX/XX/XXXX ' and XX/XX/XXXX my mortgage was deemed late via XXXX XXXX. My bank had a glitch within the bill pay system. As you can see I haven't been late since or before.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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.