davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-19
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. (VA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

The federal Stafford loan was approved for XXXX XXXX on XXXX. I met the 3-year period of monitoring for continued XXXX on XXXX. As of this date ( XX/XX/XXXX ), the loan was no longer subject to any further monitoring by the U.S. Department of Education or its loan servicer, XXXX. On XXXX, the loans status was officially DISCHARGED and from this date the loan was to be reported as discharged as a final conclusion on the status of the loan. 

TransUnion refused ( and still refuses ) to report the loan as DISCHARGED and reports the loan as a consumer dispute. All of the other credit reporting agencies removed the loan from their respective credit reports. 

TransUnion continues to post a disconnected phone number as a contact number for me. The phone number XXXX was de-activated from my name on XXXX. This number can not be re-activated in my name. It is a permanent disconnected phone number for my name. 

TransUnion recently posted a name that is not legal for me to use. The last name XXXX was changed by court order signed by a circuit judge on XX/XX/XXXX. It is not legal for me to use the name XXXX in any way or combination or as part of my legal name on any documents or for any purpose.
Consumer complaint received 2024-01-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC (MA)

This account is marked as a charge off which mean this debt was paid. The company tried to pretend that this account was still active and i found out that they sold the debt. This is on my credit report stopping me from getting a new car. The vehicle was paid off.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (TX)

I am not liable for this debt with XXXX XXXX XXXX for {$1900.00}. I do not have a contract with Spring Oaks Capital LLC, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

On Monday XX/XX/XXXX I received a email saying that XXXX recently know as XXXX XXXX   sent me to collections for a balance of {$650.00}. I lived a XXXX  XXXX  for 2 years prior to moving out in XX/XX/XXXX. In the year that I moved out I had tremendous problems with my roommate. I have countless emails to prior management to prove this. After moving out, I received a outstanding balance bill in the mail. When I spoke with XXXX ( the current property manager ). He told me to write a letter in writing as well as through email and they would RESPOND with a counter offer. XXXX XXXX never responded as you can see from this email. I never heard anything from them in two years and i assumed it was resolved. 

The year XX/XX/XXXX, when I signed to renew at XXXX  XXXX  I had NO co signer. The cosigner that I had was from the year XX/XX/XXXX. That uncle and my family no longer spoke. XXXX ILLEGALLY, Reported him the credit bureau as well, He never resigned to cosign. Please pull the forms proving otherwise and PULL his name off of this. THAT IS ILLEGAL. 

This is a lawsuit based on the Fair credit reporting act in the state of Florida. 

I guess in the mix of the two companies merging/Switching documents were lost and merged. I have ALL my emails to XXXX  XXXX  & I'm ready to discuss this. Below, is the inital letter that was given to XXXX with the date right after receiving the bill in the mail. I also have all the emails with dates complaining about the apartments issues. We can go all day. 

But I will sue National Credit systems as well as XXXX XXXX for trying me. 

Warm regards,
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (TX)

I have new and updated information regarding complaint # XXXX. 
You sent me over information regarding XXXX XXXX XXXX. Nowhere on the information you sent have your company 's information where i owe you anything. AGAIN, Please, see attachment and fill it out to the best of your ability. If not, I will have to file suit in federal court due to your violation of the FDCPA. 
If you are trying to collect for said company, please send over contract that was provided and all documentation. 
Thank you.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

On the afternoon of XX/XX/XXXX, I received a notification from my XXXX XXXX that my HSBC Premier credit card in the US region had been removed. Upon logging into the HSBC US app, I noticed that the credit card avaliable credit had been reduced to XXXX. I promptly contacted HSBC US online customer service, and they advised me to call the credit card hotline for further inquiries. 
Later that evening, I called the HSBC US credit card customer service hotline. They informed me that the reason my credit card availabe credit was reduced to XXXX  was due to the ongoing closure of my HSBC US accounts. They urged me to transfer any remaining funds from my HSBC US account promptly. 

When I inquired about the reason for the accounts closure and exact date of accounts closure, the customer service representative could not provide specific details. 
They just advised me to check for a regular mail sent from HSBC US, which would contain the specific timing of the account closure ( please note that regular mail sent from the US may take up to one month to arrive ).
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2023 at XXXX XXXX, I received a text message from XXXX XXXX, an XXXX  Mastercard administered by Wells Fargo that an XXXX charge for {$15.00} had been attempted and declined. When I called the fraud department, I was either ( a ) told that I had no account with them associated with the phone number I called in from, even though they were the ones that messaged me ON THAT EXACT NUMBER or ( b ) put on hold to speak to a representative and then the call would would never connect to someone in their fraud department or I would be transferred to the incorrect department. I am currently unable to reach any person at Well Fargo after they messaged me at XXXX in the morning regarding a charge I did not do as I was home. 

Well Fargo already has a trash reputation after committing criminal fraud when opening up accounts illegally for people without permission and they are now precariously close to having a formal complaint filed to MasterCard for violating the card holder agreement and not properly connecting a customer to the fraud department for unauthorized use of their card.
Consumer complaint received 2020-06-09
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. (NY)

I have contacted each of the credit agencies in regards to the fraudulent accounts that are destroying my credit history and my livelihood. I have only gotten partial results or response letters in return requesting documents I have already submitted a number of times. I have now reached my limit regarding patience with this matter. Not only have I submitted all documents required by law to prove my innocence and uphold my end regard the laws of the fcra. I have also opened investigations with the local police department and arrest have been made suspect has apprehended and charged By the XXXX county police department. However the banks and credit agencies have unjustly left this debt onto my credit report. If these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX XXXX  ) along with the fraudulent inquiries and useless fraud alerts are not removed permanently and urgently. I will file my lawsuit and seek full reimbursement for all that I have lost due to this theft.
Consumer complaint received 2023-01-23
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. (AL)

I am recently out of XXXX  and have made arrangements with my creditors to pay my debts. My payments to XXXX XXXX XXXX XXXX show a decreasing balance but my credit score is not reflecting this. The message on my credit report says, " this account needs your attention. '' It is showing negatively. I have reached out to the credit bureaus to dispute the info several times. XXXX says its up to the credit bureau to update my credit score. Please help!!
Consumer complaint received 2020-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted each of the credit agencies in regards to the fraudulent accounts that are destroying my credit history and my livelihood. I have only gotten partial results or response letters in return requesting documents I have already submitted a number of times. I have now reached my limit regarding patience with this matter. Not only have I submitted all documents required by law to prove my innocence and uphold my end regard the laws of the fcra. I have also opened investigations with the local police department and arrest have been made suspect has apprehended and charged By the XXXX county police department. However the banks and credit agencies have unjustly left this debt onto my credit report. If these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX XXXX ) along with the fraudulent inquiries and useless fraud alerts are not removed permanently and urgently. I will file my lawsuit and seek full reimbursement for all that I have lost due to this theft.
Consumer complaint received 2020-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (IL)

I'm writing to submit a complaint about EOS-CCA. This company has been attempting to contact me repeatedly for quite some time. They engage in deceptive behavior in order to try to get me to answer their calls, calling from different phone numbers in many different area codes. My call records show more than 10 different phone numbers in just the last two weeks, I blocked each one, so they then call from a different number. They have at times called 3 times in a single day before I blocked the number. When I do answer,  they refuse to identify as a debt collector. The last time I answered the male caller would only say that they wanted to speak to me about a " personal matter ''. 

Refusing to identify immediately as a debt collector is a clear violation of the FDCPA, calling repeatedly is also. Using dozens of different phone numbers in various area codes is clearly deceptive and likely another violation of the FDCPA. The calls are coming in at various times, but the vast majority are between XXXX to XXXX local time for me, which is another violation ( I'm not in the 48 contiguous states these days, I'm not willing to tell them where I am, but It's somewhere between GMT +8 to +10. 
I want all communication from EOS-CCA stopped.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-01-13
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: DISCOVER BANK (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX. DISCOVER FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-11-11
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. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be removed completely from my credit report :
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

Back in XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX, illegally took XXXX out of my checking through a court order. I called the firm to let them know that I knew nothing about the account theyre referring to and requested that I get my money back, but the law firm has been refusing to give me my money back. I have been going back and forth the them since XX/XX/2023, but they been refusing to refund my money. I just would like to get my money back.
Consumer complaint received 2023-01-23
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: JPMORGAN CHASE & CO. (FL)

I recently opened a new credit card and didn't realize that my limit was low. I called the company to request a higher limit. I did not understand that they were going to do a hard check of my credit and now it is showing as negative on my credit report.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

They owe me XXXX for taking back dispute money XX/XX/XXXX and XXXX XXXX, XXXX, My car had been broken into and I filed a police report and sent it in to the head office in XXXX Florida. Then theXXXX for credit card rewards they refused to pay me and {$2200.00} in Overdraft and XXXX fees! XXXX, XXXX, XXXX AND XX/XX/XXXX. They charged me to transfer money from savings to checking to make sure I had a positive balance that was another {$30.00}.
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (NY)

In XX/XX/2020 Covid 19 Started .... At the time I was working with XXXX XXXX XXXXy. I filled out paper work to have a forbearance. It was agreed upon with my payments being deferred to the back end of my mortgage. I didn't worry as much. About 3 months in when I was going to start my mortgage back up I find that the note was sold to Gregory Funding. I reached out to this company to make sure everything was still in order. I was told they don't do deferments and full payments are due. That was close to {$10000.00} We don't have $ XXXX to pay upfront and now. And we can't afford to add principle onto current mortgage. I checked to see if the note was still backed by XXXX or XXXX and find out its no longer back or protected with the Cares Act.. As a consumer what can be done. I find this act of selling mortgages last minute is so unfair to the consumer. So I am trying to borrow funds from family members to get this done so I don't lose my home.
Consumer complaint received 2023-01-23
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. (VT)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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. 

I have never lived at these addresses as stated on my credit report. THIS report IS INACCURATE. : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX OR XXXX XXXX XXXX XXXX, IL XXXX I have not updated the status of the account XXXX  XXXX : # XXXX and this report appears to be older than 7 years old & should not be reflected on my report for any reason.
Consumer complaint received 2024-04-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (PA)

On XX/XX/24 I received a {$500.00} XXXX prepaid credit card as a retirement gift from my employer. On XX/XX/24 I went on its website and found {$500.00} as the balance. On XX/XX/24 I went into a XXXX to use the card and the card was declined. I called the phone number on the card and found out there was only {$.00} on the card. 
I called their customer service and explained to a supervisor what happened she then told me the card was used on an online XXXX  XXXX  on XX/XX/24 for amount of {$490.00}. I then explained to the person from XXXX that I didn't use the card and asked her if she could cancel the transaction, she told me she couldn't, but she would investigate the transaction and put a hold the card and call back on XX/XX/24. So, I called back XX/XX/24 and the person from XXXX customer service this time took my information and said they would investigate it. It seems to me the XXXX prepaid credit cards are not secure and a the {$490.00} is a lose.
Consumer complaint received 2021-11-11
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Late Close XXXX  XXXX XXXX {$0.00} Collection XXXX XXXX XXXX  ( Original Creditor : 09 XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}