davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
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. (WI)

In Accordance with the Fair Credit Reporting Act. The list Accounts below has Violated my Federally Protected Consumer Rights to privacy and Confidentiality under 15 usc 1681, -B. 

Account Names/ # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All of these Accounts have Violated my Rights.

15 u.s.c 1681 Section 602A. States I have the rights to Privacy.

15 u.s.c 1681 Section 604A 2 States A Consumer reporting agency cant furnish a account without my written Instructions, or have reasonable cause to believe that the information being reported is inaccurate. 

15 u.s.c 1666B States that 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 2023-02-23
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: Experian Information Solutions Inc. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX  XXXX Balance : {$930.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$65.00} ; XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX A ) XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-02
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. (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. XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (NJ)

GM Financial repossessed my XXXX XXXX XXXX on XX/XX/XXXX in New Jersey. It was then transferred to Michigan & titled at the XXXX, MI DMV on XX/XX/XXXX. 
I NEVER received a Notice of Resale Date that is mandated by LAW in New Jersey that would have provided me the option to redeem my vehicle! Since they NEVER mailed me a NOTICE OF RESALE, and are trying to collect the deficiency, I mailed GM Financial, along with all three credit bureaus, a letter of dispute on XX/XX/XXXX via Certified Mail Return Receipt. I requested that GM Financial forward me ALL copies of the legal notices and proof of the Commercially Reasonable manner of the resale, ( since they sold my vehicle at auction for only {$5000.00}, but the buyer resold it for approximately {$16000.00} ). 
I never received the requested information/documents from GM Financial XXXX 
On XX/XX/XXXX, I received a letter from GM Financial, dated XX/XX/XXXX stating that they received my inquiry letter and that additional information was needed, even though I included EVERYTHING that they would require to send me the legal notices requested ( i.e., loan number, my name, address etc. ). 
Then, on XX/XX/XXXX, I received another letter from GM Financial, dated XX/XX/XXXX stating that my recent dispute regarding the credit bureaus reporting of my account has been received and reviewed. For the following reasons we are unable to proceed with your request : NO specific item was requested for investigation and NO supporting documentation was received. They also included information to file a direct dispute, information I ALREADY provided GM Financial!! 
So, on XX/XX/XXXX, I resent my first letter that was dated XX/XX/XXXX and added my phone number and also mailed it to their XXXX XXXX XXXX 
On XX/XX/XXXX, I received another letter from GM Financial dated XX/XX/XXXX, stating to please accept this letter as a formal notification that GM Financial was recently contacted by you in reference to the above listed account. Based on information you provided, the account may have been fraudulently established as a result of identity theft. 
On XX/XX/XXXX, I received the same, exact letter as the letter dated XX/XX/XXXX. This one was dated XX/XX/XXXX. 
On XX/XX/XXXX, I mailed another letter requesting ALL copies of the legal notices and proof of the Commercially Reasonable manner of the resale of my vehicle. The ONLY communication I have received since, has been from GM Financials Bill Collectors! GM Financial is IGNORING my requests for resolution and giving me the run-around BIGTIME, as they did not comply with the mandatory requirement of the resale notice! Additionally, I have ALL my USPS INFORMED delivery copies of mail received from XX/XX/XXXX thru XX/XX/XXXX, which PROVES I NEVER received this notice!!
Consumer complaint received 2019-08-08
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. (MS)

I just filed my 3rd dispute with TransUnion about the student loans showing on my credit report. I am XXXX XXXX  XXXX through Social Security. I went through XXXX to have my student loans discharged through XXXX XXXX XXXX XXXX ( XXXX ) Discharge. This was granted. My lender XXXX XXXX has my 3 loans closed. XXXX has my loans closed. TransUnion now shows 5 loans ( not 3 ) 2 of which are closed ( and duplicates ) and 3 open. They will not close the loans properly which is falsely reporting I have open Student Loans.
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (SC)

XX/XX/23 - {$900.00} My daughter sent me the amount above for rent. I tried to send it back and Venmo locked my account and its holding her money for 6 months and said I violated something just bc I tried to send it back to her. I have sent in every document they have asked for also! I have attached the last email showing I sent in the documents.
Consumer complaint received 2023-02-28
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 at XXXX XXXX I was alerted to a fraudulent charge on my debit account totaling {$370.00}. The charge was declined, and subsequently my debit card was cancelled. That day I reviewed my transactions and identified two more unauthorized transactions to which Chase credited my account {$250.00}. This claim is still currently active as of XX/XX/XXXX. 
On XX/XX/2023 at XXXX, I received a text alert regarding an unauthorized Chase XXXX transaction, to which I responded that I did not authorize the transaction. I then received a call at XXXX from what I recognized as the Chase Bank customer service support line at XXXX XXXX XXXX. The caller indicated my XXXX account linked to my Chase account had been compromised. They instructed that in order to intercept the {$1900.00} payment, I needed to authorize a XXXX " halt payment '' to XXXX. I followed the caller 's instructions with the intention of protecting the indicated amount ( {$1900.00} ). My call was transferred to the number XXXX listed as JPMorgan Chase. 
The connection for that call was lost at XXXX but the steps I'd taken evidently led to the payment of unknown individuals for an account whom I do not, nor does Chase Bank have any connection to. 
At XXXXXXXX XXXX I called the number back which was the Chase Customer Service line and immediately filed a claim to dispute the transaction. There was a claim submitted at that time indicating the fraudulent nature of the call however they did not initially report the recipient 's information. The recipient account has since closed it's XXXX account. 
On the morning of XX/XX/XXXX I filed a report with the federal trade commission report # XXXX. On the same day at XXXX I called to follow up on the disputed claim over the phone with Chase 's fraud department. They asked for the recipient 's number at this time. After providing further information regarding the claim, I was informed that the claim was denied on XX/XX/XXXX. No further steps were suggested other than to report through the XXXX app. I did not submit a report to this website as the Report Zelle Scam form online explicitly refuses to compensate victims of this type of crime.
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NY)

I made an automated payment to my credit card company on XX/XX/2019 for {$300.00}. When I checked my checking account balance on XX/XX/19 I noticed that they had taken my payment twice. When I called them they argued with me and told me that I called at XXXX XXXX   and made a payment and again at XXXX XXXX and made another payment for the same exact amount. I did not make 2 payments that is ridiculous. 

They told me that they could reverse the payment but it would take 10 days. It only took them a minute to charge me twice, why would it take 10 days to reverse the fraudulent payment. 

I will not use this credit card again!!
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent my dispute XX/XX/XXXX and have yet to receive an update in over 30 days. Consumer-reporting agencies must correct or delete information that is inaccurate, incomplete or unverifiable within 30 days. 
The items in question to be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX Should also be deleted : Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: Conduent Incorporated (MI)

On XX/XX/XXXX I called to get a new card expedited but the automated service advised I had an overdraft fee of {$27.00} and some change on my prepaid card! Knowing that the balance at that time was {$81.00} the last deposit with no fees deducted I called to speak with a representative to find out what was going on because the card is a child support card and there should never be an overdraft due to the way the card is set up! I was hung up on because I told the rep I was recording the call for legal purposes! I called back ( and recorded the call anyway the next rep told me my balance was {$81.00} which was the amount deposited into my account on XX/XX/XXXX after investigating I was told the overdraft came from a previous card that was reported by me as lost or stolen In XXXX of XXXX! The charges came in on XX/XX/XXXXXXXX  one for {$100.00} and one for {$30.00} and after being placed back on hold with the representative they took the balance that was on my card, which was partial payment, another thing that should not be allowed on my card! The numbers didn't even add up! If the charges added up to {$130.00} and {$81.00} was deducted the balance of the overdraft should have been {$56.00} not {$27.00} and some change! On XX/XX/XXXX another deposit was made and they took {$25.00} but no one could tell me who withdrew the money it was showing as a deposit but it was withdrawn? After calling for almost 2 weeks because no one ever tried contacting me about the issues as promised and speaking with several reps and supervisors who also didn't understand or had knowledge of what was going on! ( should have been in the notes as a matter fact there should have been a flag on my account! A supervisor told me that its normal for a merchant to collect on a card that was reported lost or stolen and I need to contact the disbursement center for child support because they are the ones who took the {$25.00}. After speaking with the disbursement center I was told they never withdraw they only deposit. Also none of the charges they speak of show when I go online! During this process I was lied to so many times hung up on and I was not rude! This situation lead to me not being able to pay my bills and as a result I could not work because I work from home and my internet bill needed to be paid that's why I tried to get the card expedited! One of the calls were to long to attach so I created a link and put it in a word document!
Consumer complaint received 2024-03-13
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. (NY)

I am writing to formally dispute and bring attention to the inaccuracies present in my consumer credit report. Listed below are fraudulent/inaccurate and or unauthorized hard inquiries on my credit report that I will like to be thoroughly investigated and removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It has come to my attention, through a thorough review of my Fair Credit Report, that there are hard inquiries listed on my report that I believe to be fraudulent and inaccurately attributed to my credit profile. I demand a comprehensive and rigorous investigation by the credit buries to substantiate the validity of each hard inquiry they have recorded. Furthermore I request that the credit bureaus provide documented proof for any hard inquiry deemed to be accurate. I am committed to maintaining the accuracy and integrity of my credit report, and it is imperative that these discrepancies are rectified promptly. Your cooperation in conducting a thorough investigation and providing a clear documentation will be instrumental in resolving this matter promptly and ensuring the veracity of my credit report. Please investigate and remove these hard inquiries from my credit report.
Consumer complaint received 2023-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

On XXXX XXXX ENHANCED RECOVERY COMPANY Account -- {$550.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (CO)

On XX/XX/XXXX, I filed the original CFPB complaint to BSI Financial Services, Complaint Number XXXX. On XX/XX/XXXX, I was contacted by a representative names XXXX XXXX who walked me through getting information on a monthly basis for this mortgage account. She also advised that BSI would put together a " release of liability '' documentation package for me to take over the existing as a sole and primary borrower from remaining co-borrowers. After two conversations with BSI Financial representatives between XX/XX/XXXX and XX/XX/XXXX, I was again informed the " release of liability '' documentation was enroute. My personal information ( address and email address ) had been removed from the account, and there was NO record of my previous dealings with BSI Financial Services, and a payout for the account by XX/XX/XXXX had been ordered. 

BSI Financial Services took over my existing Conventional Home Loan on XX/XX/XXXX from XXXX XXXX XXXX During the transition, my name and information was removed from the existing loan, and was never added to the new BSI Financial Services account. Between XX/XX/XXXX to XX/XX/XXXX, I called and talked with multiple BSI Financial Services representatives and " managers '' to add me to the mortgage account, create a separate login to access the information, and to have all documents to that point regarding the account mailed to me. I am a 50 % owner of the mortgaged property and 50 % title holder alone with loan responsibility. BSI has refused to work with me, create an account I can access or mail me any documents, including notifying me when the mortgage was not received and went into late status. I have had to consult lawyers at my own expense to remedy this situation.
Consumer complaint received 2023-01-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I tried to apply for a loan modification and tried to get all the papers in that I needed to on the required dates but I was denied by wells fargo and they foreclosed on my home and took all my land away from me. I believe I am owed money for the settlement
Consumer complaint received 2023-03-08
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. (IN)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 inquiries and delete them immediately in my 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 XXXX XXXX XXXX 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 2023-03-01
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. (TX)

I'm an identity fraud victim. and filed identity fraud affidavit with all bureaus and creditors. the issue rises when XXXX XXXX reported a frequently opened account in my name and was sent the fraud affidavit but wont remove or delete the listing. XXXX XXXX both reporting chargeoff/collection and EQUIFAX reporting 120 days late. 
How is this possible. XXXX XXXX knows the account doesn't belong to me and you can see that clean from their reporting across 3 bureaus. Late on one and Charge off on the other two. XXXX EQUIFAX AND XXXX all reporting different information.