davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX Bankruptcy 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 2021-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

To whom it may concern, The bank has been using horrible accounting practices in an effort to extract overdraft fees from our accounts for awhile. I have complained many times about these same issues through your agency and to the bank many times. This is a game that Chase is playing intentionally to extract fees from people. Lets start with a transaction at jewel on XX/XX/2021 where chase charged two overdraft fees for the same transaction. 

The we move to their next practice which is to back date a transaction which is what they did with a automatic withdrawal XXXX which that backdated to the XX/XX/2021 when the actual withdrawal to give the impression that the transaction occurred during the low funds period. This is a practice the employ often, that being changing the dates of original transactions for the purpose of extracting fees. This action resulted in XXXX dollars in fees being charged that they were not entitled to, Chase has also employed another tactic that's completely insane and refuses to stop. 

This practice is one where they literally change times of bank operation procedure in and effort to extract more fees. Here 's how it goes I live in the Central standard time zone, when I opened my accounts they were based on the central standard time zone. Without warning they changed my hours of service to a time based on the eastern standard time zone. Which I was charged overdraft fees because it went from XXXX being next day to XXXX. After arguing with the bank about this we simply started basing on the eastern standard time zone even though I can't access my bank on that time period. 

When they realized they couldn't extract any more fees that way they then moved the time zone to an hour earlier than the eastern standard time zone somewhere out in the Atlantic Ocean. When we complained about this they would only replace the money some of the time and then other times they would stated they changed for us before and can't do it again. Chase is using clearly illegal tactics to steal money from peoples accounts. Please assist me with these problems, thank you very much. Any further documentation can be provided.
Consumer complaint received 2021-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I have tried calling but either disconnected while waiting or other issues. 

Experian : I am requesting the 'parameters ' used to determine their XXXX XXXX XXXX determination for the credit score matrix for ; 08, Too many inquiries last 12 months, 09, Too many accounts recently opened, 10, Proportions of balances to credit limits is too high on bank revolving or other revolving accounts, 14, Length of time accounts have been established, XXXX XXXX I am requesting the 'parameters ' used to determine their XXXX XXXX determination for the credit score matrix for ; 00005, Too many accounts with balances, 00014, Length of time accounts have been established, 00030, Time since most recent account opening is too short. 

XXXX XXXX : I am requesting the 'parameters ' used to determine their XXXX XXXX determination for the credit score matrix for ; 004, Lack of recent installment loan information 012, Length of time revolving accounts have been established, 014, Length of time accounts have been established, 030, Time since most recent account opening is too short. 

I would request their parameters for all the individual codes for future use. 

Thank you, XXXX
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

i used my debit card at truist bank to enquire about my account ballance with another bank 3 times in 1 week. i was never imformed that there was a fee involved {$2.00} for the transaction. if ever i requested money from a atm that was not my bank i have always been imformed that there would be a fee and do i agree to that fee, but in these three cases i was never imformed of an inquire fee and i think that they took my money without my consent.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-03
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. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 of convictions of crimes which antedates the report by more 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 2021-06-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (GA)

Santander Auto is continuing to report a repossession from 2019 on my credit report that shouldve been included in the class action lawsuit. I am a resident of Georgia and my state was included in the class action lawsuit. This Tradeline they are continuing to report is illegal and I would like for it to be removed.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I contacted Experian and XXXX on XX/XX/2021, XX/XX/2021 and XX/XX/2021 about 2 UNVERIFIABLE bankruptcies on my credit report. The FCRA states that if an account can not be verified it must be removed from my credit report. Experian and XXXX says they got the bankruptcy information from XXXX XXXX so I contacted XXXX XXXX myself and XXXX XXXX couldn't verify the bankruptcies so they deleted both of them from the database. Experian and XXXX can not verify the bankruptcies that they are reporting so according to the Fair Credit Reporting Act, they must delete both bankruptcies from my credit report. I am attaching the confirmation letter I received from XXXX XXXX to show the bankruptcies were deleted from the database. If Experian and XXXX don't delete them I will be looking for an attorney.
Consumer complaint received 2021-06-28
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX, I made a payment to cover my XX/XX/XXXX payment. I made it through Chases automated system as I have done since XXXX of XXXX. I used the same account information and the automated system said do you want to use the same account ending in XXXX. I said yes, got my confirmation number and thought everything was fine. I went to pay my XX/XX/XXXX payment through the automated system and it asked me for my full checking info. I thought it odd and spoke with a representative before going further and they told me my payment I made on XX/XX/XXXX never went through. I had no knowledge or notification prior to this. The representative stated from Chase apologized profusely and said it was Chases error and would NOT be reported to the credit bureaus. I paid both XXXX and XXXX at that time. Now, through a credit alert I have, Ive found out they did in fact report me delinquent to the bureaus. I called today to speak with someone and spoke with XXXX and then a supervisor XXXX. XXXX tells me that the bank account information I have been using in their automated system for over a year and have been confirming ONLY the last 4 on their system has magically changed and it somehow had XXXX listed in the beginning of the account #. That because of this it was not THEIR error and could not remove. If I had entered the entire account #, I could see this but nothing changed and I confirmed the last 4 that they maintained on file for my checking account. So NOTHING changed. I feel this was reported inaccurately and has caused me harm as a consumer.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MI)

In accordance with the Fair Credit Reporting Act, Discover Bank, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Consumer complaint received 2023-03-04
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I just woke up today to a closed Bank Of America account without no reason or explanation. I would really like to know what happened this account history was excellent, never got any overdraft, never got any payment back, and neither I was involved on any illegal activities so this mades no sense for me
Consumer complaint received 2021-03-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (NJ)

Applied online for a mortgage refi on XXXX. 
Spoke with the loan salesperson, XXXX XXXX on XXXX. He ran my credit and provided me a loan estimate verbally of XXXXXXXX XXXX rate {$250.00} in lender fees, zero points, and 2.875 % /2.888 % APR. On XXXX, I downloaded Mutual of Omaha 's signing application and started unloading all the necessary docs to include paystubs, taxes, banking and mortgage information. The disclosure # 1 that I received was accurate, dated XXXX. I signed it and asked for them to lock my rate. On XX/XX/XXXX, I received a 2nd disclosure with a completely different loan amount and points. I declined this and inquired with the mortgage agent as to why the loan was changed and why there is a point. He said it was a backoffice, clerical error. In the meantime, I had an appraiser scheduled to come on XX/XX/XXXX. This would cost me {$490.00}. I didn't want him to come if the loan was incorrect. So, I feverishly reached out to my mortgage agent, XXXX XXXX, and asked him to get me a corrected, locked disclosure. Again, he reassured me that the loan info showing in the app and the disclosure was incorrect. On XX/XX/XXXX, the appraiser reached out to me and rescheduled to XX/XX/XXXX. I again reached out to XXXX XXXX and said that I can't have the appraisal done if the loan is wrong. Again, he assured me that everything on disclosure # 1 is the correct loan. The appraiser appraised the property at {$18000.00} more than what I estimated for the loan. I shopped for title services and placed a {$250.00} deposit with a title company. I have since received two closing loan disclosures starting XXXX that are both incorrect. I declined them both. The lender refuses to adhere to their original offer and has not provided any reason for why they changed the disclosure. My credit scores did not change and my wages actually increased in the meantime. The property value increased as well. This appears to be a classic bait and switch tactic. Please assist. Thank you!
Consumer complaint received 2021-06-29
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft.

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

2. UNKNOWN- Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX

4. XXXX Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XXXX ( Reported Identity Theft ) 2. XXXX on XXXX ( Reported Identity Theft )
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (GA)

SANTANDER CONSUMER USA XXXX Closed. {$22000.00} written off. Is reporting the vehicle to my credit report although they were sent notice that I do not recall having the vehicle. I ask for validation of the debt with proof the debt belongs to me with a contract bearing my signature. They refused to send any validation or proof. They were also provided an ftc report in which they refused to abide by. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. The reporting of this account is violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : They were sent a debt validation letter in which they have yet to provide proof this debt belongs to me XXXX XXXX. 

Furthermore, the account is a charge off, but it is being reported inaccurately.
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

My account in Coinbase https : //www.coinbase.com/accounts is under revision since XX/XX/2021, so I am not able to operate with it. 

I can not buy/sell cryptos and I am not able to get my money back. I have sent several emails and support tickets to Coinbase but they don't offer me any solution and the problem remains. Also, I have tried to resubmit again my ID and Driver 's license to verify my identity again I am currently have the following amount of cryptocurrencies blocked : - XXXX : XXXX XXXX - XXXX  : XXXXXXXX XXXX  - XXXX : XXXX XXXX As of today XXXX of XX/XX/2021, these currencies are worth XXXX Euros.
Consumer complaint received 2021-06-29
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$13000.00}, {$1900.00}. 
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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.
Consumer complaint received 2021-06-29
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: WELLS FARGO & COMPANY (NV)

I recently discovered an open account on my credit report. On the account it states I have an unpaid Wells Fargo credit card/account with a balance of {$6400.00} dated back from 2012. 

I have not opened a Wells Fargo account of credit card in my name. I contacted Wells Fargo customer service, and they confirmed that I have never opened an account. They told me that someone used my name in the east coast of the states in result of identity theft. 

I would like to delete this account off of my credit report as soon as possible. 

Thank you
Consumer complaint received 2021-06-28
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Key 2 Recovery, Inc. (NE)

I recently received correspondence from XXXX University that they were not attempting to collect on this alleged debt and I am not sure why Keys 2 Recovery is Attempting collect on. I have recently sent a cease and desist along with a request for an audit trail and have not received any correspondence from Keys 2 Recovery.
Consumer complaint received 2021-06-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have been waiting since XX/XX/XXXX for a method of verification of this account. I have filed numerous complaints with Cfpb and all the time they tell you all they are working on my issue. This is a violation of the FCRA and I have escalated this to the state attorney office. I have no signed contract of any sort with XXXX XXXX. Equifax was suppose to remove this after 30 days because they have no proof. It had been 4 months. I have attached the original letter I sent to them. The other 2 bureaus deleted it and Equifax has it lingering with no documents or proof.