davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-31
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Williams & Fudge, Inc (CA)

This debt is not something that I even owe in the first place. XXXX University states I didn't drop a class in time which I did. I never attended one class and I dropped the class before the first day which is well within the time in order to avoid being charged. In addition, I have requested documentation of proof that I owe this debt numerous times from both the school and now this collection agencies and have received nothing. In fact, a representative from Williams and Fudge showed up at my work saying they were suing me and that they had documentation for me. They were rude and persistent, trying to have my HR department contact me ( they contacted me after the man left the office to let me know ). Finally the representative agreed to leave his contact number for me to reach him. When I called the number he again said he was trying to serve me papers and asked why I hadn't been answering my door at my home. I told him no one had come to my home while I was there. I then asked what this was about and he explained it was for my debt with XXXX and that I needed to pay it immediately to avoid litigation. I explained to the man that I did not agree that I owed this debt and I wanted copies of documentation to prove I owed this money. I also told him I had not received any correspondence in the mail or phone calls from his company so I was taken aback by this aggressive approach. He told me I sounded like I knew what I was talking about. I told him what I did for a living and he quickly got off the phone. I never received the documentation I requested and I never heard back from the company either via mail or phone.
Consumer complaint received 2021-11-12
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 checked my personal credit report, which I acquired from your organization and I noticed unauthorized and fraudulent credit inquiries had been made. I contacted the sources who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate these inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report at the address listed above.If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. The inquiries are as follow : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> a fraudster established a new XXXX XXXX XXXX Account with XXXX XXXX without my knowledge. All my credit reports have always been perpetually frozen and I only unfreeze when I intend to establish new accounts. I am already a customer of XXXX using their credit cards so they have my correct phone number, address, etc. Somehow without requiring any ID or contacting me for verification they allowed someone to open an account in my name. Furthermore, this individual transferred {$4500.00} of funds into this XXXX account from a Chase account I own that they had managed to compromise - they did an ACH transfer out of my Chase and into this XXXX account. From the Chase perspective, my claim for this fraudulent transfer was denied despite the fact that I had been working with Chase Fraud team about this person 's activities trying to compromise my account for 3 days prior to this ACH transfer - Chase deems it legitimate only because XXXX confirmed to them the name on receiving account is mine ( even though the address XXXX shared with me for the account is not XXXX I've ever been associated with ). Chase is not helping me recover my {$4500.00}, and XXXX will not release the {$4500.00} to me until Chase contacts them to request so. I'm stuck between the XXXX companies pointing fingers at each other. XXXX failed on multiple fronts here : XXXX. Allowing establishing of this XXXX savings account without proper authorization/identification and with an address that doesn't belong to me XXXX. Allowing the linking of an external bank account without doing any kind of PLAID verification or micro-deposits, which may have prevented the account linking. The only thing XXXX offered me is they would send me a letter via snail mail to send to Chase requesting they reopen my fraud claim and asking Chase to send XXXX a letter releasing my funds.
Consumer complaint received 2022-05-20
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. (OH)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX,

has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. + 15 USC 1666B : A creditor may not treat a payment on a credit card account under age. XXXX open end consumer credit plan as late for an purpose.

Additionally, my chapter XXXX  is still on my report and is discharged - it shouldnt be on my report any longer.
Consumer complaint received 2019-02-01
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. (CA)

i have few thing on report that where done in my name ..i had nothing to go on but put them in my bankruptcy but they still appear it the only thing i knew how to do so after bankruptcy i still see them on report so i tried to dispute but no luck there and i been watching XXXX  and got your contact so im asking please can you help me as well as inquiries that where not mine..
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX XXXX managed the XXXX XXXX XXXX XXXX XXXX bank account for several years he handed the account temporarily to his sister XXXX XXXX. I tried send a bank transfer to the account and now they I keep getting an error message that says the account is invalid seems very strange.
Consumer complaint received 2019-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I pulled my TransUnion credit reports and found XXXX  had pulled my credit without authorization on XX/XX/2018. I was only looking they were only authorized to conduct a soft pull. I sent them a letter to remove the unauthorized inquiries and they responded that the inquiry was a soft pull not a hard pull. However TransUnion shows the inquiry as a hard pull so I ma filing a dispute against XXXX  and TransUnion to get the inquiry removed immediately.
Consumer complaint received 2019-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

In XX/XX/XXXX XXXX  sent me a single email to an address that was setup at the beginning of me attending university. I was never notified via email of phone that my IDR would be expiring soon. On XX/XX/XXXX I happened to check my account and see the payment is nearly 3x the amount it used to be ( {$91.00} to {$290.00} ) because IDR expired and I had not seen the single email they sent to a now defunct email address. I immediately resubmitted my IDR plan and am now told it'll take up to a month to process as it has to be " manually reviewed ''. The first time this process took no less than two days while I  was in a grace period ; now, however, they say that " the system '' was unable to process my information despite it being taken right from the IRS website. I've called them multiple times and all they can offer is to continue forbearance, which results in expensive interest capitalization. All the while I am missing important payments that would be going towards PSLF. Being in between jobs and having a strict budget means I was anticipating the IDR payment amount. I find it completely unacceptable that they are allowed to take away IDR from people who are just starting their careers and can not afford to pay the original amount.
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report. Please find the ATTACHED documents to assist in the deleting of the erroneous information which are being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  Opened XXXX XXXX, XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX  XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Filed complaint about fraudulent use of debit account and stolen PIN number used to remove all funds from account. After months of waiting and sending documents bank will not accept claim because PIN number was used and no other reason. It was stated on original claim that PIN number had been stolen and used with counterfeit card to access account. The bank did not investigate at all and there is a need to have a independent investigation by non bank personnel as decisions were biased to deny claim regardless of any documentation submitted. Sending to company is useless as there are no repercussions for any decisions. I have been treated as criminal and accused of taking my own money out and submitting false claim to get more money. All I want is my money that was taken from bank without my authorization even though it has cost me much more than that to just deal with Bank of America.
Consumer complaint received 2021-11-12
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. (NY)

This is XXXX XXXX and I am sending this complaint personally. I have no connection to any Credit Repair Company or any of its kind to handle my credit reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts is still on my report. 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 Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00}
Consumer complaint received 2022-05-20
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: National Credit Adjusters, LLC (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account National Credit Adj, account 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, states that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX, account 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, states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-11-15
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. (VA)

I have told Experian several time that this account : XXXX XXXX XXXX XXXX ( closed ) for {$24000.00}, is NOT mine. XXXX XXXX got it and put my information to co-sign without my permission. You guys have even removed it before then put it back on. Please remove this!
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (AL)

I received a letter from Trident Asset Management stating that they sold the account that I previous filed a complaint on with the CFPB. In the letter that was sent to me it says that the account was sold to XXXX XXXX XXXX XXXX XXXX. It fails to inform me that I have the right to dispute, It fails to inform me of the date that XXXX purchased the debt, It failed to inform me that I have the right to request validation for the assumed debt. The letter sent to me only informs me of the original creditor, the original creditors account number, current credit who owns the account now, balance due, and Trident Acc number. The information that is required by law is left out. 
The letter was written on XX/XX/2021 so I can only assume that the account was sold to XXXX on or before XX/XX/2021. Trident/Orion had to have a letter mailed out to me within ( 5 ) days after XXXX purchased the account with the necessary information included in the letter that is required by federal law. I previously filed a complaint with the CFPB about this account requesting that the account was not being validated by Trident, I never received a validation, instead they sold the account to their sister company named XXXX XXXX XXXX XXXX XXXX. 
It is now past the ( 5 ) day window allowed by federal law and the Fair Credit Reporting Act and other government entities that set forth and enforce these laws and regulations that has to be followed. 
I have requested for debt validation numerous times and Trident has refused to validate the assumed debt.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rickart Collection Systems, Inc. (NJ)

THE COMPANY, RICKART COLLECTIONS SYSTEMS, INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX . 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2021-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

i had been emailing XXXX about purchasing a animal i had sent XXXX dollars on XXXX with wells fargo to XXXX XXXX they supposedly where shipping it out on XX/XX/XXXX the shipping company was mx movers they tried to make me send an additional XXXX on top of the XXXX for a thermal heating cage for major temperature changes which seemed very odd i didnt send it. i ended the call and tried to reach the breeder which i didnt get a response at all until a while after then they just tried to make me feel bad for not sending the XXXX dollars like you really are going to do this to a poor animal then i asked for a refund as their website petlandferrets.com said i would if i wasnt happy they then didnt reply at all and i tried calling the number ( XXXX ) and they had answered it was the same XXXX guy i talked to for the mover company and he ended the call and just blocked me. i had talked to my bank and they arent taking it seriously and arent helping.
Consumer complaint received 2019-01-31
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. (UT)

While trying to qualify for a mortgage, my lender indicated that there was several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me were not associated with me and I have no idea what these negative items are about.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 following accounts with erroneous information. 

CAPITAL ONE AUTO XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ; CAPITAL ONE XXXX OPENED XX/XX/XXXX BALANCE : {$0.00} ; CAPITAL ONE XXXX OPENED XXXX XXXX XXXX BALANCE {$0.00} ;
Consumer complaint received 2015-10-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Empowerment Ventures, LLC (VA)

I have a pre-paid Visa debit card through Rushcard which uses XXXX. Myself, along with XXXX others have not had access to their funds for almost a week now due to a " technology glitch ''. My payday came and went and although my direct deposit is showing in my account online they will not give us access to it. The card gets declined or says invalid. They have given us no solution or time frame as to when it will be fixed. Their customer service # hangs up on you now. I believe they stole our money. My cell phone was turned off, I had to borrow money for food, people can not buy their medications or get gas to go to work. I need my hard earned money so I can cancel this card and never use it again. They need to release everyone 's money and if it is a card issue then overnight a new card. They will not give us any information.