davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$22000.00} ; XXXX/XXXX  XXXX Balance : {$3.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$180.00}
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN INTERNET MORTGAGE (AL)

I closed on my home in XX/XX/XXXX. I was told at the closing table that I would receive my escrow refund within a month. I went online and got a form from Aimloan to change my address to ensure they got my new address. 

When over a month went by and I didn't get the refund, I called Aimloan. They said they had mailed the check to my old address. I had my mail forwarded, but for some reason it didn't get forwarded. I then asked them to change my address again, to ensure it would come to the right place. They told me they would send a check immediately. I never received a check. 

I called back several times. Once I got an agent and they told me their computers weren't working so they couldn't help me. Another time the agent told me they had my address wrong, so I had them change it again. In XX/XX/XXXX I called and was told a check would be sent to my correct address immediately. Finally I called again in XX/XX/XXXX because it still had not arrived. The agent told me I should not expect to receive the check before 60 days had passed. 

It is now XX/XX/XXXX and I still have not received my escrow refund. The law says 20 days. It has been 7 months. I have called no fewer than 6 times to resolve this. I have also mailed an address change form. All the agents I have spoken to have told me different things about where the money is and how long it should take to receive it. At this point, I think I am never going to receive it and further calls to Aimloan customer service aren't going to help.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

15 USC 1602 ( p ) - Congress ensured that unauthorized use of a consumers information is a violation. Any violation is a civil liability paid to the consumer. You have deceived me, you have frauded me, and committed identity theft, you have caused pain and suffering. I, XXXX XXXX did not give written consent for the accounts in this complaint to be furnished on my consumer reports. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX  XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 

COLLECTION/CHARGE OFF REMOVAL Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best Regards, XXXX : XXXX-XXXX  Without Prejudice, All Natural Inalienable Rights Reserved Attached is my identification.
Consumer complaint received 2021-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/2021 I received an email from TD Bank that a Convenience Checking account was created in my name. I received immediate subsequent emails that the contact info on this new account was updated. I did not open this account. I called TD bank immediately and waited 2+ hours to speak with their fraud department. After a troubleshooting conversation with their customer service, we finally discovered that someone opened an account fraudulently using my Social Security Number and former married name ( XXXX XXXX ). TD Bank could not actually confirm any account info unless I provided my Social Security Number to them. I requested that this fraudulent account be immediately closed, but TD bank said they must complete a fraud investigation first before the account could be closed. They tell me that they put a " block '' on the account. Since then, I have been following the instructions on identitytheft.gov for reporting and repairing my identity. I have filed a police report, requested an extended fraud alert and credit freeze with the 3 credit reporting agencies, ordered a XXXX  report, and alerted my current and former employers, in case my ID is being used for Unemployment Compensation fraud. I have called, emailed, and send certified mail to TD Bank at least 5 times since XX/XX/XXXX, requesting that they close my account. Thus far they have been unresponsive. The only feedback I have received was during my phone calls, where TD agents continue to tell me that the fraud investigation must be completed before my account is closed. When asked, they are unable to give even an approximate time frame of when the investigation will be completed, and the account will be closed. The only option given to me to close the account was to visit a TD Bank branch in person - the nearest branch is a 5 hour drive from my home. Today I received my first piece of mail from TD bank, which was an account balance statement for this fraudulent account that I requested be closed. I am requesting that you investigate why their response is so inadequate, and I am also requesting your assistance in having this account closed, and written confirmation of the account closure sent to me.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RCS Capital Partners, Inc. (NM)

RCS has been contacting me, my husband, and various members of my family AFTER we have told them multiple times that all communication is to be done via mail. XXXX XXXX is the one that is leaving threatening voicemails, yet XXXX ( something ) is the one who answers the phone when called back. XXXX is RUDE and extremely unprofessional, going so far as to hang up whenever he didn't like what we had to say, yelling at my mother, and cussing my brother out. I could barely get XXXX to answer me as to what company he represents, and he refused to transfer me to XXXX XXXX after calling back XXXX times. I wouldn't have known this was a debt collector, except he disclosed that he was attempting to collect a debt when my mother called them back ( illegal ), and never once told us that our calls were being recorded ( illegal ). He then threatens to sue me because I am now " harassing '' them when all I was trying to say was to stop contacting everyone and do everything via mail, but he would hang up on me before I could get it all out. I have recorded everything they have done, and every law under the FCRA that they have violated. This is not okay that companies are allowed to operate like this! They are harassing myself and my family and will not disclose anything as to why they are calling!!
Consumer complaint received 2021-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TSC Accounts Receivable Solutions (GA)

To describe what happened I will state that I have been in contact with " TSC Accounts Receivables Solutions '' since the XXXX or beginning of XXXX quarter of XXXX. The amount of the debt is incorrect by the amount of {$260.00}. Our communications have been very upfront from my conveyances. Upon contacting them this past Wednesday I recorded the following information. This was in attempts to close the account in my name to transfer to the promised payee - my biological mother XXXX XXXX XXXX. The companies representatives would not oblige and failed to offer me the best genuine care. I do have proof the debt does not belong to me per a government agency in my local area and because of this I rightfully claim to be discriminated against and defamed as an XXXX & XXXX with the XXXX XXXX of which this country does not take lightly. Please know the medical provider is also at fault for malpractice being not solely but in addition me receiving permanent damage to my brand, body, and career in attempts to receive a more clear and desirable aesthetic required for my work. 
XXXX XXXXEST XXXX XXXX stated that I would need to speak to his manager regarding successfully completing my request and to wait for a callback from XXXX XXXX XXXXXXXXEST XXXX XXXX I never received a callback so I followed up and was informed that he does not perceive the situation to not be my responsibility and they will not accept the police reporting to remove ownership of my account XXXX. Then asked if I still wanted to speak to a manage even though I never had requested that. 
XXXX States that it would be my responsibility on the basis that I was the patient even though there was a legal agreement that I would not be responsible for paying for the services from XXXX  XXXX XXXX XXXXXXXX. Would not accept police report and did not have any genuine care.
Consumer complaint received 2024-03-18
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. (CA)

This account was charged off on the following date XXXX of XXXX. It is also being reported on my report that the last payment was XX/XX/XXXX but the account was in good standing through XX/XX/XXXX. This account was also being updated and reporting as a charge off from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as if the account was still open and reporting inaccurately with XXXX which is also inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX TRANSUNION Account name : XXXX Account Number : XXXX
Consumer complaint received 2022-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Our wedding venue ( XXXX XXXX XXXX XXXX XXXX XXXX ) had sent us final payment information XX/XX/22 with wire transfer instructions for {$5100.00} to a Wells Fargo account. The Wells Fargo account name in the wire instructions was the venue 's name ( XXXX XXXX XXXX ) and the email was sent from the venue 's email address as a response to an existing email thread. We paid off our final balance via wire transfer to the Wells Fargo account as instructed by our venue and emailed the payment receipt also as instructed. In the following weeks, we received XXXX automated emails from our venue that our balance was overdue so we responded immediately to those emails with the receipts that we had sent previously and received response back from our venue that they can confirm with their accounting department regarding receipt of our payment. 

On XX/XX/22, we received phone call from our venue that their email account had actually been hacked and the wire transfer instructions were from the hacker thus the venue never actually received the money we transferred and money had been stolen by the hacker via the Wells Fargo Account. We immediately called our bank ( XXXX XXXX XXXX ) who stated they would investigate as well and we also filed a police report with our local XXXX XXXX Police Department. 

On XX/XX/22, the venue said they have been in contact with Wells Fargo and XXXX XXXX Police Department. The venue told us their insurance will not cover this case. We also called Wells Fargo on XX/XX/22 but were told that Wells Fargo would not help us. We were informed by our bank ( XXXX XXXX XXXX ) that they could not recover the money as the hacker/thief had already stolen the funds. Thus we are filing a claim regarding this theft that Wells Fargo was involved with.
Consumer complaint received 2021-09-04
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. (SC)

I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. The reason I believe it is hers is because a furniture company claims that I have opened an account with them at our property but then again there is another name that was used XXXX XXXX so I am not 100 % sure none the less she does not admit to using my information but I can not explain how I have 3 repossessions on cars I did not finance and who could possibly be on the receiving end of a personal loan and furniture without my presence. I spoke with an officer XXXX in the Sheriff 's office and he advised me their department is very busy with evictions and subpoena 's and quite frankly I don't have enough information for them to make an arrest. I have notified the bureau 's but they did not respond or remove the fraudulent accounts from my credit report. 
Attached is a copy of my identity theft affidavit and the letters I have sent to the bureau 's.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following 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 My only address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2022-06-02
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. (OH)

In accordance with the fair credit reporting act, my consumer rights to privacy have been violated. I have a federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602 A., I have a right to privacy and In order to furnish my consumer report I must give Written instructions. I never gave anyone written or verbal consent at any time. 

The Following Collection does not belong on my credit report XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Account # : XXXX
Consumer complaint received 2022-12-29
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)

This is my sixth endeavors 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Here are the inquiries that are showing on my credit report and I need them removed ASAP 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
Consumer complaint received 2022-06-02
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9400.00} ; XXXXDEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$3600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$6600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$1000.00}.
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9400.00} ; XXXXDEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$3600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$6600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$1000.00}.
Consumer complaint received 2022-06-02
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: EAST WEST BANK (CA)

My family opened an account with East West bank ( https : //www.eastwestbank.com/ ). We deposited {$5000.00} on XX/XX/XXXX, via a check from XXXX XXXX XXXX. 

On XX/XX/XXXX, East West bank decided to close our account, without providing any reason. They said the {$5000.00} deposited to East West Bank will be credited back to XXXX. On XX/XX/XXXX, our East West Bank account was closed, and the account activity shows that {$5000.00} has been withdrawn. However, our XXXX account never received the {$5000.00}. 

I called XXXX, and they explained that this check was never received, and advised me to let East West Bank issue me another check. I then called East West Bank, and they said that the check has been mailed out, and it was not possible to mail another check. This time, East West Bank told me the routing and account number of the check. 

So I called XXXX again, telling them the routing and account number, but XXXX was not able to locate this check. I even escalated with XXXX and spoke with a supervisor, who was not able to locate this check either, and told me that East West Bank needs to issue a new check - the same thing I was told before! 

I gave one last call to East West Bank and asked to speak with a manager. The manager said they are not able to provide further information, and said that " further actions will be in vain ''. I have voice recordings of this conversation and can provide them upon request. 

I respectfully request you to take a look into this issue. The two banks involved are East West Bank and XXXX XXXX XXXX.