davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please delete/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} 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 Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXX  Balance Owed : {$33000.00} 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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$33000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-30
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. (FL)

XXXX  XXXX XXXX XXXX XXXX XXXX is incorrectly reporting a collection on my credit report. I have no knowledge of this account and I am not responsible for any debt reporting from this company. This account that is being reported negative on my credit report does not seem to be reported accurately and legally per FCRA.
Consumer complaint received 2019-12-25
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. (TN)

This account has popped up on my credit report, to the best of my knowledge i believe i have been a victim of identity thief and i am taking proper actions to correct all issues that i am having. The following account need to be investigated please : XXXX XXXX XXXX Original creditor : XXXX UNIVERSITY {$3600.00} There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report. Upon research, information, and belief, your bureau is in clear violation of this law. Additionally, 623 of the FCRA requires your bureau to correct and update information in such instances.
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (MO)

This company is reporting to all of the credit bureaus that i owe them this dept that they can not even validate. I asked them to remove this from my reports and they ignored my request. The information on the documents they sent is wrong, wrong dates, wrong amounts and it also does not have my signature anywhere on any of these documents.
Consumer complaint received 2023-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX, we contacted Wells Fargo to do a loan modification due to the economy and several houses around us going into default. This naturally led our home 's value to plummet. We were simply told they could not help us... because we were not in default on our loan. XXXX of XXXX, my husband lost his job. Just a few weeks before that, we had requested again for our loan to be modified, only to be told again that we were not in default, so there was nothing they could do for us. When my husband lost his job, and we had a XXXXyear old child, having this house was no longer a priority for us, so as Wells Fargo suggested XXXX we went into default on the loan. We contacted them again and after looking up our loan and seeing we were late on our payment, they said they could help us. That was until they found out my husband had lost his job, then they couldn't help again. So we decided to short sale the house. This process started in XXXX of XXXX and we had a buyer in XXXX of XXXX. Wells Fargo would send us letters that they were unable to get a hold of us, and were therefore denying our Pre-Foreclosure Sale, yet we never received phone calls from them. We were not without phones ( mobile or landline ) and any time we tried to call them, we would get the runaround. But we received a letter in XXXX of XXXX and XXXX of XXXX stating they were proceeding with the foreclosure because they could not get a hold of us. Before this, we received a letter in XX/XX/XXXX saying we may be eligible for Payment Relief, of which we called the number on the letter, but the number put us in a phone message loop. They took so long to finally approve the short sale, that the buyer had pulled out of the deal. We received a letter in XXXX of XXXX that the house was going to be auctioned off if we did not bring the mortgage up to date. This was after two attempts by us to have Wells Fargo approve a short sale. By this time, we had moved out of the house. We received a letter in XXXX of XXXX that they would like to work with us on payment options- almost a year later! All we wanted by this time was to just start over. We had gone through so much stress with them, we just wanted to be done with them forever. We later found out we were part of the " rubber stamp '' letters. We were an honest, hardworking young family doing everything right, and for what?!
Consumer complaint received 2019-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (VA)

On Thursday, XX/XX/2019, the federal reserve had a processing delay with direct deposits. It was a known issue and posted on Navy Federal website. As a result of the delay, I incurred 3 overdraft fees. I asked Navy to reverse the fees as these werent my fault and had the deposit posted timely there would not have been any fees.
Consumer complaint received 2019-12-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (NY)

I took out a lease from GM Financial back in XX/XX/XXXX, my lease was up in XX/XX/XXXX which I returned then waited to get the final bill. After not receiving it I called GM to find out about the bill. They informed me not to worry they will mail it out to look out for it. In XX/XX/XXXX When I still didn't receive the bill I called again. They informed me that they will be mailing it out. I got the letter along with the bill on XX/XX/XXXX I immediately paid this bill. My issue is that GM has reported me late i XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which isn't accurate.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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 has violated my rights. 
15 U.S.C.1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681SECTION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. 
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 CONVICOF CRIMES WHICH ANTEDATES THE REPORT BYMORE 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
Consumer complaint received 2019-12-25
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NY)

On XX/XX/2019, There were four unauthorized transactions made on my account totaling {$690.00}. These transactions were happening as I was at home. I went to see if I had misplaced my debit card and saw that it was right there in my wallet as these transactions were occurring. Someone had compromised my information and was making atm withdrawals at two different locations with my information. I filed a dispute with Netspend. They did not assist me. I have contacted corporate and have only received one e-mail from them promising to assist me and asked me how They can reach out to me. I have not heard anything else in days and it is now XX/XX/2019. My card should not have been compromised this easily and now I am out of {$690.00} and Netspend has not asissted me at all. Furthermore, they promised me a provisional credit until the investigation is complete. They came back only a day after I filed the dispute and said " they found no error '' so my account would not be credited. I know they did not do a thorough investigation into this matter. I would like to know what happened to my funds and how my card was compromised and I would like my funds returned to me. Netspend had a responsibility to do a thorough investigation and they did not.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX purchased an auto insurance policy with XXXX auto insurance provider with an effective date of XX/XX/XXXX and was provided a policy number for the two car auto insurance policy of, XXXX. The policy was generated to insure two of XXXX cars, a XXXX XXXX XXXX and a XXXX XXXX XXXX, XXXX and XXXX, respectively. The VINs associated with the two car auto policy are XXXX, which coincides with a XXXX XXXX XXXX XXXX owned personally by XXXX and a VIN, XXXX, also owned personally by XXXX. The policy cancelled allegedly with XXXX, where it was asserted by their collection agents to be this case on XX/XX/XXXX. They are now filing collection attempts and remarks on XXXX credit bureau in error and asserting inacurrate information. On or about XX/XX/XXXX XXXX contacted the collection agency referred to as CREDIT COLL on his credit report via a number listed consistent with the information being provided and asserted on his three various credit profiles with XXXX, XXXX and XXXX at XXXX to discuss this account with them. They were eager to receive money, and offered a settlement amount. XXXX informed them that they are asserting an indefinite dollar amount against his name through the various credit bureaus and notified them that all reporting must stop immediately, as it is a violation of his consumer rights and a misrepresentation of his financial debts owed consistent with the policy instrument being used to derive the dollar amount. They stated that they would remove the information and work on the matter with XXXX directly, however the information is still being reported to the three major credit bureaus and XXXX request for documentation explaining the true derivatives for the debt being asserted have not been supplied per his request via the phone number provided on his credit reports with the three major credit bureaus. This is a fraudulent abuse of authority and a misrepresentation, where XXXX notified the creditor that the amount is in question, requested that they prove up the source for the value of the assertion against his credit reports and there has been blatant disregard and omission of his rights and liberties afforded through consumer rights laws available to individuals. The remarks on XXXX credit report are under dispute with the three major credit bureaus and this complaint will serve as support for his request it be removed and discussed prior to ongoing collection efforts consistent with reports made against his credit profile with the three major credit bureaus. XXXX has also employed attorney XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX to assist with all efforts in removing this and other negative information being asserted against his credit profiles with the three major credit bureaus. He is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, and can be reached via phone at XXXX or email at XXXX.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX I contacted Bank Of America regarding multiple charges coming out of my checking account via debit card transactions. The merchants are XXXX XXXX XXXX, and XXXX XXXX Dated from XX/XX/23 XX/XX/23, XX/XX/23. The rep stated that from all the charges the claim total was {$290.00} They have even went as far as removing the transactions where I can't see it reflecting on my account as duplicates.The representative stated she would escalate the claim for me to get my funds the next business day or or it could take up to 3 business days to get my credit back. I called to see why I haven't received anything they told me to give 3 business days. I called at 3 business days and the rep stated she would do a hardship request for me to get my money and that it could be available by midnight if approved. On XX/XX/23 I called and the rep stated that claim show as being resolved and that a credit for {$290.00} Was being credited but it want in my account. She askrd me to call back and speak to claim dept. XX/XX/23 I called the claim dept they stated that the claim show as being credit but transferred me to another claims credit dept the rep stated the claim show as still being researched. When I look at the claim via online banking it show as being closed. Bank Of America had only refunded about {$30.00} of the money owed. They know that charges are fraudulent had me to open a new account and lied to me saying they would refund the money. They are scammers and need to be shut down.
Consumer complaint received 2022-09-02
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2022-06-01
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)

It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit reporting agencies decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
Delete these unauthorized Inquiries as soon as possible : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XXXX XXXX  5. XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XXXXXX/XX/XXXX 11. XXXX XXXX XXXX 12 . XXXX XXXXXX/XX/XXXX 13. XXXX XXXX
Consumer complaint received 2019-11-29
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. (NV)

I had a mortgage account with XXXX XXXX which was delinquent as of XX/XX/XXXX, and never again brought current. XXXX XXXX reported the account as derogatory for years. Now that the 7-year reporting period has expired, they are reporting the account as closed as of XX/XX/XXXX, with an exceptional payment history. This is a lie, as the delinquent account was sold to XXXX XXXX XXXX, and once I defaulted on the mortgage, I never gave XXXX XXXX another penny. XXXX XXXX is deliberately and fraudulently reporting the account with an exceptional payment history in order to justify it remaining on my Experian credit report until XXXX. 

I filed a dispute with Experian, and the only change made by XXXX XXXX was the closure date ; it was changed from XX/XX/XXXX to XX/XX/XXXX. I have received no remedy or relief. I want this account removed from my credit report ( s ).
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$770.00XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XXXXXXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$330.00}
Consumer complaint received 2022-06-01
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. (CA)

disputed and deleted by other agencies 15 USC 1681 e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681i Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2019-12-25
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)

I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

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 ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$10000.00} -This is not my account.
Consumer complaint received 2019-12-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CO)

My XXXX credit card was paid off in XX/XX/2019. I had automatic payments set up and paid early on the XX/XX/XXXX balance. Since then they have been charging me interest and late fees that now result in {$170.00}. I have tried calling the company who don't listen to my complaints, emailed, and sent one letter. I received 4=8 calls a day from this company. When I answer they hang up. I have reported this to the XXXX ; synchrony bank did not respond. My credit report now has a negative mark as result of this. I do not know where else to turn to in regards to this matter.