davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have called company on numerous occasions to take off the inaccuracies of my credit report and every time I'm giving the same answer that it is correct but I'm a victim of identity theft and my name was in three or more data breaches and I've been having problems with my credit since 2004 but I have not been able to get it resolved my credit is shot due to the identity theft and I can't get an apartment I can't get credit I can't do anything without these inaccuracies fix
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On or around XX/XX/2022, I attempted to access my account to make a payment. When I attempted to access my account, I saw that it had been blocked. I immediately contacted XXXX who told me there was a technical issue that be resolved soon. After being unable to login for a week, I contacted XXXX XXXX XXXX who changed the reason for me being unable to access my account and stated that it had been blocked. I requested paper statements until the issue was resolved but they declined. A XXXX representative also told me the account would not be reported to the credit bureaus until the issue was resolved, but on XX/XX/2022 they reported the account delinquent. XXXX has made it impossible for me to make a payment on the account because of their IT issues.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My minimum monthly payments was on auto debit, however, an incorrect amount was withdrawn causing the minimum payment to be deficient. Every prior monthly payment was withdrawn properly. I think this error occurred because I made an extra online payment that month which was returned non-sufficient.
Consumer complaint received 2020-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Residential Credit Opportunities Trust (GA)

In late XX/XX/XXXX I received a letter from XXXX XXXX, CEO, of Residential Credit Opportunities Trust V-E titled " Notification of Assignment, Sale or Transfer of Your Mortgage Loan ''. The letter was dated XX/XX/XXXX. 

I sent a notice of dispute and demand for validation to him at the address provided in late XX/XX/XXXX or early XX/XX/XXXX. In response, Mr. XXXX sent me the same document containing the same information. 

Neither of the documents contained a notice of my right to dispute, at no time have I received proof of the alleged debt from Residential Credit Opportunities Trust V-E, and Residential Credit Opportunities Trust V-E claims it has the right to modify the terms of the alleged debt in a notice of sale sent to me by XXXX XXXX XXXX. 

Residential Credit Opportunities Trust V-E has not replied to my second attempt to dispute and demand validation of the alleged debt and yet it continues to attempt to collect from me.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On or around XX/XX/2022, I attempted to access my account to make a payment. When I attempted to access my account, I saw that it had been blocked. I immediately contacted XXXX who told me there was a technical issue that be resolved soon. After being unable to login for a week, I contacted XXXX XXXX XXXX who changed the reason for me being unable to access my account and stated that it had been blocked. I requested paper statements until the issue was resolved but they declined. A XXXX representative also told me the account would not be reported to the credit bureaus until the issue was resolved, but on XX/XX/2022 they reported the account delinquent. XXXX has made it impossible for me to make a payment on the account because of their IT issues.
Consumer complaint received 2021-10-20
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: Experian Information Solutions Inc. (AR)

I disputed 5 accounts that are reporting on my credit report. The accounts that I disputed are XXXX XXXX XXXX which is reporting 4 different accounts and XXXX XXXX XXXX. I demanded them to delete the inaccurate accounts but the accounts are still on my report. The accounts was not verified or validated, nor did I give anyone consent to report on my credit report and I have never been in a contract with either of them. The company has already violated my consumer rights 5 times. I've disputed these accounts multiple times. I disputed in XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have not received any feedback.
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (NM)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America BOA issued prepaid debit card with no security chip. On XX/XX/2021, an ATM skimmer fraudulently stole card number and pin number. Everyday in XXXX the skimmer went to different BOA branch ATM and withdrew maximum daily amount, {$1000.00}. Total loss {$28000.00}. No warning or alert from BOA. BOA refused to refund money fraudulently stolen from account.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA took money from my account XX/XX/2021, without authorization for an amount due for my Home Owners insurance putting my account into the negative. The company did not notify me in any way that the balance was to be debited from my account and the transaction was pre-authorized without my consent. In total they debited XXXX from my account and I had no awareness that this was about to happen or that it was owed, generally as my Insurance is escrowed in my mortgage.
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (CA)

I made multiple attempts to have the credit agencies remove the bankruptcy from my credit report as it is reporting in error. Under 609 and 611 of the FCRA they failed to provide me with the process of which they obtained this information from. They provided the furnisher, however, upon reaching out to the furnisher XXXX, they stated that did not have record of this information and they also confirmed that my file is suppressed with them therefore preventing them from releasing this information. Thus exposing the credit bureaus failure of actually verifying this information. My past two attempts to have the bureaus remove this I have been ignored. As of today, XX/XX/2020, I spoke to an agent named XXXX who claimed that this information needs to be disputed directly with the court which is completely FALSE. I have provided here evidence to support my dispute from both the furniture and federal court.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX 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 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

Chase bank has closed one of my checking accounts that had {$450.00} deposited in it. As per the bank request I have opened a new checking account to replace the old one with the promise that my funds that were in the closed account would be transferred into the new one. This has happened about 2 months ago and ever since then Ive been trying to get my funds available. I have exhausted all means to resolve this issue with Chase bank. I have gone to their branch twice and I have called their customer support services twice as well and I am always promised they will send me a check and that I should wait for it. Please help me get my money back.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/21 two automated withdrawals went through to my account and were processing one was for {$14.00} and the other for {$5.00} this left my account in the negative around {$17.00} so I did an instant transfer from XXXX of {$19.00}. This transfer processed through before the two charges were finished processing and her I was charged two {$35.00} overdraft fees. My account is currently overdrawn the amount of overdraft fees. I called BoA to resolve this because it was clearly a system error but they refused citing the instant transfer may not have processed before the cut off time, I know I did because I checked my account until it had, they would not tell me the time that my transfer processed and refused to cancel these fees. We are in a pandemic, I am unemployed and yet I made sure there was money in my account to cover these charges and they unlawfully charged me these fees.
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (TX)

I noticed some unauthorized inquiries on my credit report and i immediately contacted the credit bureaus with the proper information to get the inquiries with no consent removed ASAP. I followed all of their rules but they are still reporting on my credit profile. How is that possible? 15 united States Code 1681c-2 is suppose to protect us against this type of stuff. Please help.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong 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 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

I deposited a check in my business account with wells fargo. They put a hold on the check claiming that the signature did not match. the check was written from a customer that uses XXXX XXXX. Both bank accounts are located in the state of Maryland,. Called my customer to ask him to cancel the check, customer stated his check has already cleared his bank. I have called and stayed on hold with wells fargo for hours and hours with no resolution. They have directed me back to the other bank several times and XXXX XXXX  has stated several times they do not share signature cards nor customers phone numbers. One Wells Fargo customer service person even went as far to tell me that the federal reserve has my money and they are refusing to release it. I am a small business owner and this may not be a lot of money to some but this cost me 2 employees I now can not pay, they have bounced my business insurances twice now and have the nerve to charge me XXXX dollars everytime. Wells Fargo bank is killing my business with their unethical and unlawful business practices. They are virtually stealing from me and I want my money. I have two more checks from customers I am afraid to deposit for fear of never seeing my money. this bank is horrible, I want my money and monies lost from time spent dealing with them. 
I am now on hold waiting to find out a name and number I can use to file a lawsuit but they cant even give me that. This bank is just bad!!!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

This serves as my subsequent communication regarding my recent complaint concerning the unresolved accounts within my XXXX and XXXX reports, as well as the reemergence of a concerning account within my Equifax report. Pursuant to Section 605b of the Fair Credit Reporting Act ( FCRA ), there exists a legal imperative to promptly eliminate and block any account determined to be the result of fraudulent activity. The disputed account under scrutiny is not associated with my financial obligations. Enclosed herewith is the requisite FTC Report # XXXX for your reference and requisite action. I respectfully urge the expeditious removal of this account from my credit profile. Failure to provide pertinent records and insistence on account verification without substantial evidence may necessitate my pursuit of legal remedies. I am confident that adherence to statutory obligations will expedite the resolution of this matter. The disputed account, having been initiated without my consent or knowledge, warrants immediate removal, as prescribed by Section 605B of the Fair Credit Reporting Act. For your reference, pertinent details of the disputed account are as follows : XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- EQUIFAX XXXX XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00}
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

This a second complaint with XXXX credit card. The information being reported is over 45 days past the time since my first request from XX/XX/year>. The information being reported from my first investigation to now has only changed for the worse. I purchased the credit monitoring and requested copies of my credit reports and as of XXXX XX/XX/year> the information is still incorrect. I dont want to wait 60 days for information to be reported. If I was late on a payment the information would be reported on day XXXX of the due day. Why is it so hard to report payment information when made on time?
Consumer complaint received 2020-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am disputing a charge on my CAPITAL ONE credit card by XXXX XXXX and my credit card is refusing to honor my dispute. I seek a credit of {$86.00}. 

TIMELINE : XX/XX/XXXX - I am billed {$100.00} by XXXX XXXX on my CAPITAL ONE credit card. This amount overbills me by {$86.00}. 

XXXX XXXX - I attempt to resolve the dispute directly with XXXX  unsuccessfully. 

XX/XX/XXXX - I file a dispute of {$86.00} with CAPITAL ONE. 

XX/XX/XXXX - I am credited {$86.00} by CAPITAL ONE and asked to supply additional documentation. 

XX/XX/XXXX - I file documentation with CAPITAL ONE providing information on my dispute. 

XX/XX/XXXX - CAPITAL ONE responds and indicates my documentation " lacks all of the previously requested information needed to validate your dispute '' ( which is false ). 

XX/XX/XXXX - CAPITAL ONE credits me an additional {$86.00} ( in error ). 

XX/XX/XXXX - CAPITAL ONE notifies me that I was erroneously credited {$86.00} two times and rebills me {$86.00} twice.
Consumer complaint received 2020-04-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX