davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2023-04-14
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$220000.00}. Please update this account ASAP.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

16 USC sub-section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2017-07-03
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX I received a letter from Wells Fargo Education Financial Services offering to settle on an outstanding loan ( I assume private Student Loan ) that I did not know existed. The settlement amount was XXXX I immediately responded listing my concerns but did not get a response but on XX/XX/XXXX. received just another copy of the XX/XX/XXXX. settlement offer!
Consumer complaint received 2023-01-02
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. (PA)

Notice, it is a fact, affiant is aware pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, such as, XXXX, Equifax and XXXX, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, XXXX, Equifax and XXXX is required to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-08-18
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. (CA)

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 XXXXXXXX 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 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Dear Experian, My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 

XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX has refused to send me verification of the claim against me, validation of debt, contract binding both parties. They have reported inaccurate information that can not be validated. Per 15 U.S. Code 78cc, which emphasizes the importance of valid contracts, along with 15 U.S. Code 1692g Validation of debts and 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. This company is also in violation of 15 U.S Code 1692c Communication in connection with debt collection.
Consumer complaint received 2023-08-18
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. (TX)

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.

The letters are stated with items and issues.

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 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, Bank of America took an " Unauthorized Offset '' from my Personal Account ending XXXX for {$540.00} to supposedly cover the unpaid balances on the business accounts I had reported as Fraud. I have received no payment receipt for this deduction and there has been no record of accounts showing how and if the offset was actually applied to the account ending XXXX. Multiple Account numbers were associated with this Business account. I have previously reported that I did not open those accounts, nor have I ever been provided with Signature Cards for all Accounts opened as me at Bank of America. Other people were allowed to apply for credit as me and they were allowed to make changes to my corporate account. This is obvious Bank Fraud and Identity Theft. 

As I had reported that business account ( XXXX ) as Fraud, I did not approve or authorize this offset transaction payment from my personal account. I have filed multiple Fraud Complaints associated with the suspiciously handled Credit Card XXXX XXXX XXXX XXXX. I called Bank of America and requested a Bank Refund of the {$540.00} Offset payment, and I clearly instructed the customer service agent to take no other deductions from my personal account for the fraudulent business accounts. 

I spoke with Bank of America, XXXX XXXX XXXX XXXX on XX/XX/2023. 
I asked for an explanation as to why my Personal Account is being used to offset a Fraudulent Business Account, they refused to provide an explanation. I also explained that I never agreed to pay the amount and that no payment receipt or notification has been sent to me for the Payment. I also stated that the Total Balance Due for the Account is NOT MINE. I stated that I had no Card with a $ XXXX Balance. I requested to be refunded and they refused. I requested an explanation for why the XXXX XXXX does not match the Amount they previously emailed me as due for XXXX - They had no explanation. I requested to be emailed the Signature Card and the Bank Policy they were using as the legal basis for the unauthorized withdrawal. They refused. I also noted that the deduction they made is not clearly marked as a withdrawal from Bank of America. The attached Debit slip says BANKCARD DEBIT XXXX XXXX XXXX XXXX and does not clearly list the account the {$540.00} is being deducted to pay. This debit is therefore highly suspicious and illegal banking activity according to the FDIC. Please Investigate.
Consumer complaint received 2023-05-23
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. (IA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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
Consumer complaint received 2024-02-28
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-01-02
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: Medical Data Systems, Inc. (NC)

On XX/XX/XXXX a medical office provided my information to a debt collection agency without my written permission. I did not sign a HIPPA waver allowing XXXX XXXX XXXX XXXX XXXX XXXX XXXX to disclose any of my personal information to the debt collection agency MDS ( Medical Data Systems ). I began receiving calls at my workplace once a week, And they identified themselves as Medical Revenue Service, it wasn't until I saw the report to my credit score that I found they were also called Medica Data Systems. I was fearful because I was being contacted while I was at work and was afraid losing my job because of it and was feeling pressured to give an immediate payment each time they called me, even though I explained I did not currently have the amount they were asking for at the moment, however they still continued pressuring me for payment. I have since been advised to send a letter to the collection agency explaining my rights under the HIPAA law were violated as I did not give permission for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, to disclose my personal information to Medical Sata Systems, a collection agency. The amount that the collection agency told me that I owed was over {$300.00} of which I paid {$25.00} on XXXX the XXXX of XXXX. The amount owed was from XXXX the XXXX of XXXX. However according to the claim information from my health insurance benefits page, the amount should have only been {$290.00}. Not only did I write a letter to Medical Data Systems explaining the violation of my rights and the request to see exactly what XXXXXXXX XXXX XXXX XXXX  sent to them and where in that paperwork was my signature stating that they were allowed to forfeit my personal information to the debt collection agency, but I also wrote letters to all 3 credit bureau 's explaining what happened, And requesting that the debt collection report be removed from my credit score. The 3 credit bureau 's I wrote to were XXXX, XXXX, and XXXX. Those letters were sent on XXXX the XXXX of XXXX. I have attached documentation of each letter that was sent, the proof of Labeled envelopes with stamped postage, a record of the incident being reported to my credit score on XX/XX/XXXX, The claim information from my benefits page of my health insurance from XX/XX/XXXX, as well as confirmation of payment of {$25.00} which was sent on XXXX the XXXX XXXX, but cleared on my account on XX/XX/XXXX. If any additional information is needed I will be happy to supply it.
Consumer complaint received 2023-05-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have sent several disputes to Equifax about a charge off / collection account on my credit being reported a past due amount of {$1400.00}. As you are aware a charge off account should not have a past due amount and therefore the credit bureau has failed to properly verify this account. I have requested several times for them to correct this issue and they respond by saying it has been verified and updated. Can Equifax verify who they spoke to in order to verify this debt? Can they provide a signed written contract? it is also reporting every month as charged off which updates the account.
Consumer complaint received 2023-04-14
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)

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 bank XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX : account # XXXXXXXX XXXX XXXX : account XXXX XXXXXXXX XXXX : account # XXXXXXXX XXXX XXXX XXXX : 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 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 2023-07-11
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2023-01-02
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, 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.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

Business checking I am not able to transfer money to my personal checking account. Chase business account to a chase personal account. Tuesday at XXXX I called chase bank to find out why my transfer to transfer was canceled. On hold total time XXXX mins. Was transfer XXXX  times and rep told it it was a fraud issue. Transfer to a deadline. Waited XXXX a no answers. Called Tuesday XXXX at XXXX. Rep told me that its a fraud issues and we can not transfer between a chase business and chase checking account advise chase checking account was approved by chase for transfer. On XX/XX/2023. Transfer was sent and was green. 
Chase called Wednesday XXXX. XXXX. Talked to XXXX  and was hung up on. Rep said this is a fraud issues. Called back. Talk to new rep and they said it was a fraud issue. Advice on chase business to chase personal checking. Advise same person with same info on both accounts. Ask to file a complaint. No complaint was log. Ask to speak to a manager No manager will come to the phone. Ask who is manager first and last name. Was only told XXXX and rep said no one is allowed to tell his last name. Ask for a manger above XXXX and was given XXXX. No last name. Online profile is now block by chase. Unable to get access to my account. Please advise. No compliant was login to chase system. No manager will come to the phone or take info. Accounts as locked. Please reach out to chase
Consumer complaint received 2023-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

I earlier filed a complaint about the account I had with suntrust that was closed and it was received and assigned to XXXX XXXX of XXXX XXXX XXXX, However there are somethings I find odd in the response I got, It was stated that my account was closed on XXXX as opposed to XXXX I was told at the branch, and what I was fed at the branch did not happen because I was told then that I would be mailed a check. 
Now again the response I got from XXXX XXXX of XXXX XXXX XXXX is that {$11000.00} is being held awaiting to be returned to where the funds originated ... Now my question is that. Did suntrust now truist as a company just recently found out about my money at their bank just after my last complaint? After my account was closed almost 2 years ago?????? And after 2 whole years it's still awaiting to be returned??? During those 2 years, what was going on and why was it not returned as soon as they determined the relationship between I and the bank is over? Why does it have to be now they decide to determine it's will be returned????? 
How solid is their word???????, can I really trust what they say they will do because this will be the second time??????????? if so why was a particular date not stated???????????? why did I not get a statement of my account a as to follow up with my family members who deposited the funds and to confirm if each and everyone got the particular amount that was sent to them??????????????????????????? It's been 2 whole years, surely trust bank doesn't expect me to have every deposit that was done memorized and I demand to know when they funds shall be returned!!!!!!!!!!!!!!!!!!!!!!!!!!! ......