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: EQUIFAX, INC. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$9100.00}, {$9700.00}, {$1800.00}, {$1800.00}, {$6100.00}, {$5100.00}, {$22000.00}, {$53000.00}, {$35000.00}, {$7400.00}, {$7800.00}, {$38000.00}, {$41000.00}, {$21000.00}, {$33000.00}, {$38000.00}, {$19000.00}. 
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 ) -- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$11000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$9100.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$9700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$1800.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened onXX/XX/XXXX with a credit Balance of {$1800.00} -This is not my account. 

6. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit Balance of {$6100.00} -This is not my account. 

7. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit Balance of {$5100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$22000.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$53000.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$35000.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$7400.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$7800.00} -This is not my account. 

13. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$38000.00} -This is not my account. 

14. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$41000.00} -This is not my account. 

15. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$21000.00} -This is not my account. 

16. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$33000.00} -This is not my account. 

17. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$38000.00} -This is not my account. 

18. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$19000.00} -This is not my account.
Consumer complaint received 2019-12-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (MD)

I applied for a trial loan modification which I was approved for. I was instructed that I would need to make 3 trial payments and the modification would then become permanent. In the paperwork I was sent, the payments must be made in the month they are due or the trial would be terminated. I made the first payment on the XXXX of the first month without issue. I attempted to make the second payment on the XXXX of the second month and was told that the agreement had been terminated on the XXXX. I know for a fact that payments are accepted until the last day however I have been told there is nothing they can do and I will have to reapply for modification and hope my home doesnt go on sale before then. I would like BB & T to honor their word and reinstate my modification so I can resume making payments.
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: Affirm Holdings, Inc (GA)

According to The Privacy Act of 1974 and the15 U.S. Code 1681b - Permissible Purposes of Consumer Report explains what a credit bureau can and can not do. I feel these rights was violated. " Theseaccount is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-10-05
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (OK)

In XXXX, I mailed a letter to validate XXXX collection accounts that are being reported to the credit bureaus. The accounts were opened with Professional Finance Company ( PFC USA ). Account XXXX showing a balance of XXXX and opened : XX/XX/21. Account XXXX is showing a balance XXXX} and was opened XX/XX/21. XXXX XXXX failed to respond to my validation letter. The uploaded attachment is the letter that was mailed
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MRS BPO, LLC (NC)

I received text messages and phone calls from MRS BPO LLC about a collections balance. The offered me a settlement of {$3700.00} to pay off a balance for XXXX XXXX XXXX student loan account that was in collections. XXXX XXXX told me that I had until the XXXX of XX/XX/XXXX to pay the balance. XXXX XXXX XXXX XXXX lend me a loan for the balance to be paid. After the balance was paid XXXX said that XXXX XXXX would be notified that the balance was paid in full. After several attempts to contact XXXX I finally got in touch with a representative today XX/XX/XXXX, and she said that she had not heard of the company MRS BPO LLC and that they may have had me pay a balance of a loan, that had already been removed from my credit. One of the loans was removed from my credit in XXXX when I appeared in court. The representative had been believing that I was paying a collection balance that was " currently '' reporting on my credit from XXXX XXXX. Instead this company had me pay a balance that I was no longer obligated to pay and had already been removed from my credit. I want my money back and this business to be reported for bad business.
Consumer complaint received 2023-01-23
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: WELLS FARGO & COMPANY (MA)

I was fraudulently charged a purchase of XXXX cell phones made by some random individual who lives in Indiana over a year ago. Wells Fargo has admitted and agreed that this was not my purchase but yet keeps charging me interest as well will not take the charge off my account. I have over XXXX calls into Wells Fargo yet they keep bringing me around the same circle and the case never moves forward and it is not dropped even though they know these were not my charges. This has also done damage to credit score. If someone from the public can read stay as far away from Wells Fargo as possible.
Consumer complaint received 2018-03-03
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. (MN)

I have been a victim of identity theft. I contacted XXXX   several times in writing letting them know I was and still am a victim of identity theft and I was not trying to open these account. I have requested that they remove the inquiries off my credit report as I did not authorize them.
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$6300.00}, {$4900.00}, {$7800.00}, {$0.00}, {$1400.00}, {$0.00}, {$2800.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- PERSONAL ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$6300.00}, {$4900.00}, {$7800.00}, {$0.00}, {$1400.00}, {$0.00}, {$2800.00}. 
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 ) -- OPEN  ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- PERSONAL ACCOUNT 7. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

ChexSystems Inc. furnished a response to 15 USC 1681s-2 FTC Affidavit in violation of FCRA rules and regulations regarding FTC Fraud and Identity Theft reports of victims. ( SEE ATTACHED ). In response to a fraud affidavit and supporting documentation, ChexSystems Inc. uploaded 4 documents for a total of 17 pages, ChexSystems outlines 9 bullet-points with 5 being grossly erroneous and negligent, and in direct violation of the FCRA and CFPBs laws governing reports of victims of Identity Theft. ChexSystems has engaged in a pattern of deceptive and harmful practices, including : Manipulation of Data : ChexSystems manipulated inaccurate information ( name and address ) within a fraudulent account, instead of deleting the fraudulent account entirely. This is a severe allegation, suggesting potential fraud and deception by ChexSystems.

False Denials of Communication : ChexSystems falsely claimed not to have received prior communication regarding the dispute, contradicting the consumer 's evidence of previous contact. 
Incorrect Interpretation of Identity Theft Report Requirements : ChexSystems allegedly requested a law enforcement signature on the identity theft report, which is not a requirement under Regulation V. The statement argues that the FTC Identity Theft Affidavit should suffice.

Unauthorized Communication with Financial Institutions : ChexSystems is exceeding their authority by communicating with financial institutions on the consumer 's behalf without consent, and in direct violation of Consumer Financial Protection Laws. ChexSystems is in violation of The Privacy Act of 1974 ( 5 U.S. Code 552a ), and ChexSystems violates the Gramm-Leach-Bliley Act. 
Mischaracterization of Dispute as Accuracy Issue : ChexSystems appears to have treated the fraud claim as a simple accuracy dispute, rather than an identity theft issue, intentionally delaying resolution.
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$6300.00}, {$4900.00}, {$7800.00}, {$0.00}, {$1400.00}, {$0.00}, {$2800.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- PERSONAL ACCOUNT 7. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

This complaint is a follow up to Complaint Number XXXX that I previously filed against American Express Serve. Immediately after filing the first complaint with the CFPB I received an email by Amex Serve that my dispute was declined. The email states : Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was autfhorized. Therefore the transaction ( s ) is not eligible for credit to your Account.

No explanation was provided. I believe the decision to decline my dispute was to retaliate against me for filing a complaint with the CFPB, and was not made based on any evidence.

I took all the necessary step associated with disputing fraudulent charges : I immediately reported my Serve card as stolen and informed Customer Service the XXXX XXXX transaction for {$79.00} was unauthorized and was made by the suspects who stole my card. 
I filed a police report with XXXXPD. 
I filed a dispute with Serve, and submitted the declaration of fraud in a timely manner. 
I informed Serve that XXXX had video surveillance footage of the suspects making the unauthorized purchase that their investigators could request. 
Yet my dispute was declined without an explanation and no credit was issued for the unauthorized charge to my account, which strongly suggests that Serves decision was retaliatory in its nature.
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company (CA)

So I had this loan through today cash. I then became unemployed and told them. They continue to call me daily and send threatening emails. They said if I dont pay them in XXXX  days they will contact my work. I told them that was against the law in XXXX  and they said they dont have to follow XXXX law. They claim I signed some form to allows them to call my work which if so it was hidden in their paperwork and nobody at any point reviewed the paperwork with me. They just deposited in my account no phone call or anything. This isnt right. They are trying to threaten me while I am unemployed and claiming they are above the law
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dynamic Recovery Solutions, LLC (CA)

On XX/XX/XXXX, I received a phone call from a debt collector called Dynamic Recovery Solutions in XXXX, South Carolina. The debt collector failed to identify themselves as a debt collector when I answered the phone call, the debt collector said " hello is this ...? '' " I said yes, what is this regarding ''. She said she is calling about a very important matter and did not identify herself as a debt collector. She then asked me to verify my social security number and date of birth. I said no, I do not feel comfortable with giving that information over the phone. The debt collector then read off my social security number, date of birth and address without confirming my identity and without identifying herself as a debt collector. After I said that is my address, she identified herself as a debt collector collecting a debt from XXXX. I have long disputed the debt in question and I refuse to pay as I believe it to be an incorrect debt. I expressed this to the woman, named XXXX, and further expressed my anger with giving out my social security number, DOB, and address without confirming my identity due to the sensitive nature of this information and the fact that I could have been anyone and now my information is compromised. The woman said on the phone that it is their practice to use social security information to identify the people the call for debt. 
I am not filing a complaint about the debt, I am filing a complaint about the non-disclosure of the debt collection call and most importantly the release of my social security information, address, and date of birth without knowing who I am. With the information the collector gave out on the phone, someone could have easily stolen my identity and committed fraud. It is my understanding that debt collectors must identify themselves when calling and can not use my social security information without my permission in my state of California. 
I am especially worried that they are calling my previous phone numbers and giving out this information to whoever has my previous phone numbers. I would like this company to stop giving out my SSN, DOB, and address immediately. They could be doing this to every person on their list. 

When contacting this business about my complaint, please note, they have my maiden name on file, not my current last name.