davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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. (NY)

This is my numerous complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2015-07-06
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Credit Collections U.S.A., L.L.C. (DC)

The dental office gave me a quote before doing work for my son 's teeth - he was XXXX yrs. old. The quote was {$160.00} my out of pocket expense which I still have the quote. But then I got billed for {$760.00}. The work done is only filling for XXXX teeth. The explanation was insurance only cover XXXX filling not the XXXX they used. i dont ask what XXXX they used, i just assume they used what is allowed. i sent a payment of {$200.00} but they refused to take and further advise me to deal with the collection agency. They sent me to collection when the bill was only XXXX days overdue of which I was trying to depute. This is a fraud. I got misled. I sent the dentist a nice letter and also requested if i can discuss in person. Both I was not granted. I did ask for a discount, I was told by his billing that they can not even give me a {$10.00} discount.
Consumer complaint received 2017-04-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo switched around their monthly statements to exclude activity I do every month ( XXXX debit transactions ) on the same day and then charged me a service fee. They are refusing to refund me the {$10.00}. I suspect this is widespread. They purposefully make statements on odd dates that do not coincide with calendar months and change the statement time periods to trick consumers.
Consumer complaint received 2023-06-16
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: HYUNDAI CAPITAL AMERICA (NJ)

Hi Sir/Madam, I have bought a new car ( XXXXXXXX XXXX XXXX ) in XX/XX/2023 and financed it with " Hyundai Motor Finance XXXX XXXX When I went and check my XXXX XXXX credit report, it is showing that I have financed it with " XXXX XXXX XXXX XXXX. 

This issue is present only with XXXX XXXX credit report. XXXX and XXXX showing the correct data. 

I have tried contacting XXXX XXXX Credit bureau multiple times but no luck. 

So that is why raising complain over here to fix my XXXX XXXX credit report. 

I am attaching my latest XXXX XXXX credit report as well as latest Auto loan statement from Hyundai motor finance.
Consumer complaint received 2016-03-24
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Bronstein & Weiss Arbitration (NM)

For the past few months, they have been calling my work, and personal phone # 's and leaving threatening messages, all of which I still have on my voicemail. They have said that they will serve me with papers if I do n't return their call within a certain amount of time. I have never spoke to them, as I know they are a fraudulent company. They call from a spoof # locally, however they leave several different numbers to call them back on. ( XXXX, etc area codes ). I just want them to stop contacting me completely, especially at work. I have sent them a cease and desist letter via the XXXX in New York. Within the letter, I demanded they stop contacting me and to send proof of this " so-called '' debt in writing to my home address via usps. They have not responded, as of this date.
Consumer complaint received 2022-12-12
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX XXXX XXXX and number XXXX Account name XXXX  and number XXXX Account name XXXX XXXX  and number XXXX Account name XXXX XXXX and number 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 whiten instructions
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America committs felony and owes me XXXX XXXX dollars, using a fictitious name, my name is XXXX, not & gt ; XXXX, which identifies something not living, This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS XXXX in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 

GLOSSA meaning ; written by supreme court judge XXXX, 3. There are two reference books called similar names ( sound familiar? ) -- - One is the XXXX, a popular style guide used widely by newspapers and other publications to provide uniform guidelines and standards for reporters and other writers ; it is a large reference book similar to a dictionary or thesaurus. The other is The XXXX, with an " s '' which is a much smaller and more limited publication the size of a larger format paperback book, that deals with the subject of " styles '' or " stiles '' ( British ) exclusively. The most recent edition I can find is 1948, though there may be more recent editions. 
Both of these publications adequately explain what the Glossa is, as does Black 's Law Dictionary. The earlier versions of the American Bar Association guides to legal style and usage also plainly state that the use of all capital letters denotes either a corporation or a dead man 's estate. 

also by judge XXXX ; XXXX = a living American endowed with all his natural rights XXXX XXXX a foreign situs trust used in commercial shipping XXXX = a foreign estate trust XXXX XXXX a public transmitting utility company XXXX XXXX a public foundation XXXX XXXX a cooperative XXXX = a boat or ship used in public commerce XXXX = a commonwealth trust XXXX = a slave owned by XXXX XXXX = a foreign pauper forbidden to own land XXXX = a taxpayer XXXX = a soldier XXXX = a slave There are dozens of different potential meanings that can be arbitrarily assigned to anyone 's name and used to " represent '' radically different entities. In a verbal conversation we can talk all day long about someone or something named " XXXX '' and which XXXX or what kind of XXXX will never be known, except from the context of the conversation -- but on paper the use of such a system instantly defines what or whom is being talked about -- if you know the system
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (MD)

So basically Acima is loansharking. I have a current payoff amount of just over {$1000.00} for repairs that I had done on my car. That payoff is due by XX/XX/XXXX however, if I do not pay it off by XX/XX/XXXX, somehow the payoff goes from XXXX some dollars over XXXX by XX/XX/XXXX, I tried to get a seat to explain to me how that works how it could be raised so much in just 11 days, how that interest is compounded how that is even possible to get that high of a payment one thats double what they loaned me in the first place. They refused to give me my lease terms. They refused to extend the payment plan till XXXX XXXX, so that I could pay this off, Im a XXXX veteran with a brain injury not that matters to you but I could really use some help with this company. The total amount that I borrowed from them was XXXX and some change and theyre trying to charge me over {$3000.00} in interest theyre loansharking.
Consumer complaint received 2022-12-12
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. (LA)

LEGAL LETTER OF DISPUTE Date : XX/XX/2022 To whom it may concern : This letter is regarding the degree of negligence regarding the unknown, unverified collections/charged off accounts listed on my credit report. Your agency has violated so many of the FCRA/FCDA laws, rules and regulations. I will list them below and I am requesting that you remove them immediately as we have discussed them on several occasions. I was told that you are required by law to properly investigate and validate that all the information is reporting correctly across all reporting agencies, and must be 100 % Accurate, 100 % Verifiable and 100 % complete. 

I urge you to take this matter seriously, I have filed my initial complaint with the CFPB and I am prepared to seek legal remedy for failure to remove these accounts from my credit profile in the next 15 days. 

In accordance with the FCRA/FDCPA the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Violation : Double Jeopardy/invalidated collection/charge off account XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX Violation : Reinserted this account after verifying it as fraud. ( See your dispute report ) Rules of Laws 1. 15 USC 1681 sec 602 ( A ) States I have a right to privacy.

2. 15 USC 1681 sec 604 ( A ) sec 2 : Sates a consumer reporting agency can not furnish a account without my written instructions, 3. 15 USC 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 information to be inaccurate.
Consumer complaint received 2022-12-12
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. (KY)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upgrade, Inc. (AR)

I did not receive a written notice/debt validation letter from the last complaint I filed against this company. The debt agency did not send actual proof of notifying me of the debt validation. Instead they sent a new bill. The amount is incorrect and there is no legal right to sue in the state of Arkansas because I do not have a contractual agreement with this junk debt collecting agency. This debt collector did not follow the law.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My wallet was stolen out of my vehicle in XX/XX/XXXX. All my credit cards were stolen out of it. This includes my XXXX XXXX XXXX credit card. I disputed charges, transferred the balance to an entirely new account with a new card, and closed the account that had been stolen. I have been paying the balance on the new account without any issues. However, TransUnion notified me that XXXX XXXX XXXX in fact did NOT close that account until XX/XX/XXXX, and that Market is reporting it as past due and hitting my credit dropping it significantly. They also didn't eliminate the charges that were fraudulent. They, however, removed my access to this account so I can't see anything from the old account. They are refusing to provide copies or proof of any charges or balances and the dates associated. I have called numerous times. It isn't possible for me to pay a XXXX balance on an account that was supposed to be closed due to fraudulent charges on that account, which also I happen to NOT have access to. They are claiming a balance exists on this old account but can't provide any proof of why it exists because the entire balance had been transferred to a new account. There were fraudulent charges on the old account that were supposed to have been reversed. They are refusing to close this old account and damaging my credit. I wasn't even notified by XXXX XXXX XXXX that they were doing this. I was notified by TransUnion. This is blackmail and fraud. I have police report numbers if necessary.
Consumer complaint received 2017-04-06
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (FL)

I purchased XXXX {$200.00} MasterCard prepaid cards at XXXX. When I tried to use them about 2 weeks later, almost all of the money had been drained from the cards. I contacted the card issuer, U S Bank customer service and was told to submit copies of the receipts and affidavits that I did not use the cards myself. I was told it would take 45 days to get merchant verification and refund my monies. I was sent XXXX new cards. Only XXXX has XXXX on it. Another one has XXXX. When I check the balance on the other ones, I am told that the information ( card number, expiration date ) is not valid. I am now out {$990.00}. The request was made to replace or restore the balance on XX/XX/2016. I have not used any of the replacement cards.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

Experian and Experian Clarity Report are using my incorrect information on their credit reports, as well as addresses I have disputed, and they have lied, committed forgery, fraud, and violated the FCRA and Trafficking Victim laws, as well violating my 8th amendment right against cruel and unusual punishment, by allowing the name I was trafficked under to be used on my reports, and continue to deny the removal of fraudulent accounts, even though no law will enable them to keep fraudulent accounts on a credit profile, further showing what XXXX XXXX XXXX XXXXXXXX, Experian truly is. They have also allowed the fraudulent addresses to remain on my report and have knowingly committed fraud.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I have been a valued customer of Chase Bank since XXXX. However, on XX/XX/XXXX, I received a notification letter stating that my checking accounts and four credit cards would be terminated by XX/XX/XXXX. The letter did not provide any explanation for the account closures. I have always maintained a positive relationship with Chase and have never had any issues such as overdrafts, missed credit card payments, fraudulent activities, international wire transfers, or any other suspicious activities. 

I attempted to contact the number provided in the letter, and I spoke with a manager who informed me that a back-office team had reviewed my accounts but did not disclose the reasons for the closure. This sudden account termination has put me in a difficult financial situation, and I respectfully request that my accounts be reinstated. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and look forward to hearing from you.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have  XXXX  different FICO scores my bank is  XXXX   XXXX  is  XXXX  an d Trans Union  is  XXXX  this turns out to be a big difference and puts me below the  XXXX  because of  Trans Union w hy is there not a standard method for this use I called  Trans Union a nd they said they have their own way of calculating the score this seems really unfair any help would be appreciated
Consumer complaint received 2017-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Someone hacked my kohls.com profile and made a purchase as if they were me. I reported fraud to kohls. It took them a month to finally take it off my bill. But until they took it off, my balance remained passed due and went into collections for a purchase I did not make. My credit report dropped because of this fraud.
Consumer complaint received 2023-07-03
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. (AZ)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Consumer complaint received 2016-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Data Check of America LLC (AL)

After much research and many phone calls, Data Check of America has been repeatedly calling both my home and my cell for a supposed NSF check from 1998. They refuse to mail me anything, give me their address, or a professional license number. When I start asking questions, they hang up on me.
Consumer complaint received 2022-12-12
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. (NC)

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 U.S.C 1681 XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX {$8600.00} XXXX XXXX  XXXX {$58.00} has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A 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 or information. Any other adverse item of information, other than records of convictions of crimes which anedates 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.