davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
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. (PA)

In accordance with Fair Credit Reporting act convergent accounts : XXXX XXXX Vacations, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-01-23
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: WELLS FARGO & COMPANY (TX)

I did not apply for no Dillard credit Card from XXXX to XXXX. Someone else did this without my consent and this is fraud and theft as well. The account # that showing on my credit report is XXXX. This needs to be remove immediately off my credit report from all XXXX credit bureaus.
Consumer complaint received 2019-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I contacted Jefferson capital in regards to an account. I asked them to verify the account In which they sent me a paper showing a breakdown Of costs but nothing with my signature on it or anything. I contacted the bureaus and they keep updating the Jefferson account but wont remove it. I had 2 collection accounts with them they removed only one and not the other.
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX a transactions of XXXX was approved by XXXX then on XX/XX/XXXX a transaction of XXXX was a approved by XXXX on XX/XX/XXXX I filed a claim with Wells Fargo to dispute these charge which were not authorized  by me. On XX/XX/XXXX Wells Fargo came to a decision to denied the claim
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (NC)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX : {$360.00}.
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: Experian Information Solutions Inc. (GA)

I have submitted several letters to Experian credit company regarding a bankruptcy on my credit. I have ask for they to verify and who verified it, they havent send me a letter or nothing on the information Ive requested.
Consumer complaint received 2023-12-08
Product: Credit reporting 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 # XXXX ) ( XXXX Account # XXXX ( XXXX Account # XXXX ) ( XXXX Accounts XXXX XXXX ) ( XXXX Account # XXXX ) ( XXXXXXXX XXXX Account # XXXX ) has violated my rights! and feel i am being taken advantage of 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 an account without my written instructions! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2021-11-10
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. (FL)

On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail 3 weeks later from XXXX stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my weekend gathering all the documents to receive a mail like that. I am extremely upset. I have been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I just reviewed my credit reports again and I can still see the inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality. I'm a victim of Identity theft and this information is not mine.
Consumer complaint received 2022-12-17
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. (DC)

Equifax violated my right to privacy pursuant to Title 15 USC 1681 ( a ) ( 4 ) -Accuracy and Fairness of Credit Reporting , which is a violation of the ( FCRA ). pursuant to Title 15 USC 1681b ( a ) ( 1 ) -Permissible purposes of consumer reports, Equifax have not got an order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, to furnish account ( US DEPARTMENT OF EDU ) to my consumer report. I as a consumer never VERIFIED nor gave prior permission to Equifax to furnish the account ( US DEPARTMENT OF EDU ). I as a consumer is enforcing my RIGHTS and demanding that Equifax Delete/Remove ( ALL ) accounts ( US DEPARTMENT OF EDU ) from my consumer report or I'll file suit pursuant to Title 15 USC 1681n-Civil liability for willful noncompliance and 15 USC 1681o, for negligent noncompliance Respectfully, Equifax will be liable to me {$1000.00} each violation for violating Federal Law ( FCRA ) -Fair Credit Reporting Act.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter to XXXX, XXXX and TransUnion on XX/XX/2022 to investigate my account. Here is my tracking number for certified mail : XXXX XXXX XXXX It has been over 30 days and I have not received any investigation results. These consumer reporting agencies are in violation. 

According to 15 usc 1681i, XXXX, XXXX and Transunion have 30 days to investigate and send me the results. 

I have all evidence attached below
Consumer complaint received 2021-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Bank of America has frozen my EDD account. They have given me no reason for the account freeze. When asked they have told me to contact California EDD. I have contacted California EDD and they have told me there is no reason for the account freeze from their end.
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TN)

on XX/XX/XXXX there was an email notification alerting that someone had accessed my chime account and a {$900.00} transfer from my bank to chime was pending. Upon noticing I emailed chime placed a dispute and closed my account. Chime begun to alert me that they needed to reopen my account to handle the dispute ( XX/XX/XXXX ). Once the account was opened the fraudulent signee began to draft {$5500.00} to my chime ( XX/XX/XXXX ). After alerting chime they said that I would have to await a response in order to be services. The fraudulent acts were happening in real time and their XXXX hour window was too long and the funds began to get sent to various accounts and XXXX. After noticing chime was not handling this quickly I had to lock my back from chime but keep the chime account open to handle the dispute. Now there are XXXX disputes in due to how the funds were sent fraudulently. XXXX Dispute closed returning back to me {$1800.00}. They declared I could hold onto the money until the dispute closed. The other dispute for {$4500.00} was declined and chime closed my account involuntarily ( XX/XX/XXXX ). Also on the XXXX I was alerted that the team was working on the dispute. Other emails state that my account has violated terms and must be terminated. I have spoken to customer service and always get members who seem to be reading from a script. They have no sense of urgency and have needed to speak to a manager every phone call which in some cases they would not give me.
Consumer complaint received 2019-12-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Im trying to fix tax property value.

XXXX XXXX did Escrow analysis based on 2 Tax Parcel Id instead one.

Because that I have a shortage of aprox {$1000.00} ...

I did a request and they did not answer ... I called and they said it will not make too much difference and then I should live with that.

I told them I dont want, I want my escrow reviewed and then they said the tax bill department is on pto till XX/XX/2020 ... .but they are requesting the shortage amount on XX/XX/XXXX.
Consumer complaint received 2021-11-10
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. (OH)

i went to XXXX XXXX to get my car repaired, XXXX XXXX failed to put a new radiator in my vehicle, they put in a old radiator and my car was not working, i had to go to XXXX XXXX to get car repaired, please see attachment, XXXX took out the radiator that XXXX XXXX  put into my car, the radiator that they put in my vehicle is non repairable, it was used Unfair and Deceptive Acts and Practices Statutes ( Laws ) XXXX XXXX did what we call a deceptive acts and practices ( sometimes referred to as UDAP ).. 

These laws address a wide variety of practices, including things like : XXXX XXXX failed to fix my issue and i had to take to a different shop to have repaired, they charged me XXXX and i want to be refunded for my funds immediately. 

i did not have all the monies at one time so i took out a loan from XXXX, and they refuse to close out this contract after showing them that my car was repaired at a different shop and running just great now XXXX is notorious for lying to their customers in order to gain extra work for things that don't really need doing Sadly, this lead to me spending lots of money that i did not have. 

Breach - The mechanic breached duty of care with defective repair work Radiator was defective out the door, but he stated it was brand new XXXX XXXX XXXX have discovered that XXXX charged me for parts and services they did not provide. I have the defective radiator in my presence at this time. XXXX XXXX XXXX stated they will stand behind me.
Consumer complaint received 2019-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (PA)

In a recent check of my credit score, I noticed that PHEAA is reporting a default on a student loan that they say I took out in XXXX. After asking for validation and verification, I finally received a " Promissory Note '' that looks good until you get to the borrowers signature line. The promissory note that they forwarded to me, was not signed by me or anyone else. The borrowers signature line simply contains a bunch of numbers that look like my social security number, birthdate and other meaningless numbers. 

After receiving the promissory note, I took it to my attorney who agreed that a promissory note needs a signature by me in order to be a valid, enforceable contract. In order for PHEAA to recover on this promissory note, it needs to prove that the defendant ( me ) signed the promissory note, they need to prove that PHEAA currently owns or holds the note, and they must prove that the loan is actually in default. Therefore, PHEAA MUST provide me a SIGNED promissory note, as well as other documents showing an unbroken chain of assignment from the original creditor to the plaintiff. 

On XX/XX/XXXX, I was informed that PHEAA has now forwarded this debt to a collection agency. This action has added thousands to the debt the say they own. My lawyer and I are giving PHEAA 30 days to provide us with a signed promissory note, as well as the documents showing the unbroken chain of assignment. If those documents do not arrive, we are prepared to present evidence to a judge in common pleas court.
Consumer complaint received 2021-11-10
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. (OH)

i went to XXXX XXXX to get my car repaired, XXXX XXXX failed to put a new radiator in my vehicle, they put in a old radiator and my car was not working, i had to go to XXXX XXXX to get car repaired, please see attachment, XXXX took out the radiator that XXXX XXXX  put into my car, the radiator that they put in my vehicle is non repairable, it was used Unfair and Deceptive Acts and Practices Statutes ( Laws ) XXXX XXXX did what we call a deceptive acts and practices ( sometimes referred to as UDAP ).. 

These laws address a wide variety of practices, including things like : XXXX XXXX failed to fix my issue and i had to take to a different shop to have repaired, they charged me XXXX and i want to be refunded for my funds immediately. 

i did not have all the monies at one time so i took out a loan from sunbit, and they refuse to close out this contract after showing them that my car was repaired at a different shop and running just great now XXXX is notorious for lying to their customers in order to gain extra work for things that don't really need doing Sadly, this lead to me spending lots of money that i did not have. 

Breach - The mechanic breached duty of care with defective repair work Radiator was defective out the door, but he stated it was brand new XXXX XXXX XXXX have discovered that XXXX charged me for parts and services they did not provide. I have the defective radiator in my presence at this time. XXXX XXXX XXXX stated they will stand behind me.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am reporting on none of the issues listed. Reporting a crocked bank that I pay way too much to clear my record on a {$25.00} swipeing fee that I had to pay over {$100.00} to clear my record. I payed Bank Of America the interest to clear my record so I can have a bank account in witch they lied and are still have not cleared my record. Happened years ago. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-12-19
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: UMB FINANCIAL CORPORATION (NJ)

We received a cashier 's check from a tenant and the maker of the check, UMB, NA/XXXX XXXX does not want to honor the checks and they bounced it. See attached supporting documents.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 on XX/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. XXXXXXXX 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: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

Freedom Mortgage Freedom Mortgage XXXX XXXX XXXX XXXX. XXXX  XXXX For Information/ XXXX TX XXXX XXXX IN XXXX Notice of error XX/XX/XXXX Received notice of 100 % Tax Relief and scanned and e-mailed Freedom XX/XX/XXXX Freedom although being notified there would be no taxes due sent XXXX XX/XX/XXXX City of XXXX  XXXX sent Tax bill for XX/XX/XXXX reflecting {$0.00} tax due XX/XX/XXXX Sent notification of error XX/XX/XXXX Freedom sent acknowledment on Senior 100 % exertion for XXXX XX/XX/XXXX City of XXXX  XXXX acknowledged transmittal of Tax refund as follows : Check # XXXX Bulk # XXXX Amount : {$1400.00}. 
Although it has been 7 weeks since notification, and Freedom has monies in possession They said processes require they retain funds until XX/XX/XXXX. 
I am under the impression that they are taking unrequited advantage. 
Attached is documented with dates of everything described above
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A. (WA)

On XX/XX/2019 I applied for a credit limit increase for my Home Depot Card as we own a home from the 60 's and expect repairs to be required soon. They did a hard credit check and increased my limit. On XX/XX/2019 they reduced my credit limit by {$11000.00} dollars making the XXXX inquiry pointless and reducing it even further than before. I have reached out and asked them to either raise the limit back up or someone retroactively remove the inquiry, but have not received any response.