davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I request you open an investigation into transfers I made in late 2019 from my BOA account ( and from other bank accounts I control ) to your customers/clients who defrauded me and stole {$310000.00} USD in a scam operation that had been trending for some time and which impacted many other victims. The total amount sent from the BOA account is {$300000.00} USD. 
As is detailed in the attached investigative report I commissioned, your bank harbored, aided and abetted elements of an international criminal syndicate. Numerous red flags were present and indicate your bank abrogated its regulatory compliance obligations designed to curtail money laundering and terrorist financing. 
It is inconceivable that you met or maintained your Know Your Client ( KYC ) obligations for your account holders operating under the name XXXX XXXX XXXX, account number XXXX and XXXX XXXX XXXX XXXX, account number XXXX. 
These unscrupulous entities are being named in criminal complaints I am filing with state and federal law enforcement agencies. I request you offer law enforcement, and my investigators details you have collected regarding these criminals. 
Will you assist me to recover my stolen funds, or will you continue to aid and abet the thieves who defrauded me? 
Attached, please find my investigative report. I am also available to provide any further documentation or clarification as needed. 
Thank you for your anticipated courtesy and cooperation.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, DP OF EDUC XXXX, DP OF EDUC XXXX, XXXX XXXX  XXXX XXXX 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 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2024 Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX was added to my credit file by XXXX XXXX XXXX XXXX This address I never lived at this XXXX XXXX XXXX XXXX, XXXX, FL XXXX nor received MAIL there. This is an 18 U.S. Code 1342 federal law prohibiting using a fictious name or address in any matter related to the United States Postal Service
Consumer complaint received 2022-04-21
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2022-04-21
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)

In accordance with the Fair Credit Reporting act XXXX partial account # 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong 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 2020-09-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HCFS Healthcare Financial Services of TeamHealth (IN)

Upon viewing my credit reports, Account Resolution Services is not only posting an account in the amount of {$590.00}, but they are posting it TWICE, making it look like there are two separate bills for the same amount. 

I demand to see an agreement with ARS 's client that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. I want to see an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.

Moreover, Account Resolution Services did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not  be deleted within the required time allowed by law. 

I urge ARS to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2017-01-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

I have a HELOC w/ Wells Fargo Bank . While out of the country on business XX/XX/XXXX. and XX/XX/XXXX I missed the notice to renew my home owners insurance policy from the insurance company. When I returned I renewed my coverage but not before there was a lapse in coverage. 
Wells Fargo sent me a letter requiring me to demonstrate the property was covered by adequate insurance coverage and although I had the coverage I was not inclined to immediately demonstrate it to Wells Fargo so they can earn a risk premium on the HELOC when they incur no risk. XX/XX/XXXX, after having received several warning letters from Wells Fargo, I called them but was told I would need to fax ( NOT scan and attach to an email message ) the proof of insurance. I visited a local branch and they assisted in faxing the proof of insurance to Wells Fargo. Thereafter I received another letter fm Wells Fargo notifying me that they had purchased an insurance policy for my property since I had failed to demonstrate proof of coverage. I returned to the branch on XX/XX/XXXX and we again spoke w/ the contact provided and again faxed the policy since they had no record of having received the first fax. I was assured that I would receive a letter in several days. 
On XX/XX/XXXX I received another letter informing me that I have been charged a prorated portion of the imputed insurance premium for the period of time where there was a lapse in coverage. Although much less that the larcenous rate I was first quoted of {$3200.00}, I was told that I owe now owe {$670.00} for the coverage. ( My coverage for the entire year costs {$910.00}! That they could not negotiate a premium w/ their purchasing power demonstrates to me that there is no 3rd party insurer but rather this represents an imputed amount att he maximum rate they feel they can pass along. ) Wells Fargo is requiring reimbursement for an imputed premium for a period of historical time where there is no liability. I could understand if I did not have coverage and could not demonstrate it going forward, but to impute it retroactively is nothing but a money grab!
Consumer complaint received 2022-04-21
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)

This complaint to TransUnion was the result of their non-compliance to my request and frothier refusal of getting the account, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned account for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I have been working on a modification for the last past year and I been decline due to my finances, now I have a new job as a teacher and my salary has been increasing since them, however, I have a sale date for XXXX XXXX 2016, I resend a Loan Modification package to my lender ASC on XXXX XXXX, 2016. Today I did a follow- up, and I was told that my count could n't be reviewed one more time for a Loan Modification due to the fact that I have been delinquent for the past 3 years. I asked who took this desition and I was to by one of the representatives that are a new police that took place XX/XX/2016 and also the investor who is XXXX. I want to do my best to keep my property, I ca n't imagine losing my home after having made so many sacrifices to purchase.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-04-21
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: American First Finance, Inc. (AL)

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. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX  XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Type this out exactly in this box of you want to input your info and remove instructional verbiage.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to request the immediate removal of an incorrect account from my credit report. This account was created and used without my permission, and I have attached the necessary documents to substantiate my claim.

I respectfully request that you investigate this matter promptly and remove the unauthorized account from my credit report. This incorrect entry is adversely affecting my credit score and financial standing.

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-04-21
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)

This complaint to XXXX was the result of their non-compliance to my request and fortheir refusal of getting the account, listed below, to be removed from my credit reports. Theyneither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistanceto help me block the concerned account for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I hope this time Consumer Reporting Agencies will be able to answer my unresolved disputes about these incorrect and misleading accounts to which I have requested for proper reinvestigation from my previous letters about a few months ago. They have failed to get back with me.
Consumer complaint received 2022-10-14
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)

I received my reinvestigation Report # XXXX XXXX from Experian on XX/XX/2022. It states that all accounts are 100 % complete and accurate. I would like to receive the discription transcript according to 15 USC 1681i ( 7 ). 

The of the list of accounts below are not accurate, the open date, date last active, date of last payment is NOT 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian did not modify nor delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i )
Consumer complaint received 2022-04-21
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. (MD)

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 1681XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXXAccount number XXXX, XXXX XXXX XXXX- Account Number # # # # # # # # # # # # # # # XXXX, XXXX XXXX XXXXAccount Number # # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXAccount Number # # # # XXXX XXXX XXXX XXXX XXXX XXXXAccount Number # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX, XXXX-Account Number # # # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # # XXXX. Has Violate 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 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 1681XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX-Account number XXXX, XXXX XXXX XXXX- Account Number # # # # # # # # # # # # # # # XXXX, XXXX XXXX XXXXAccount Number # # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-Account Number # # # # XXXX XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX, XXXX-Account Number # # # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # # XXXX. Has Violate 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 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (MO)

This account was already disputed and removed once. It has been illegally bought and re-reported. The account was never updated upon leaving sprint and becoming an XXXX customer. They tried to charge us for a phone that was already paid off under the terms of the contract.
Consumer complaint received 2022-04-21
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)

This complaint to XXXX was the result of their non-compliance to my request and for theirrefusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal CreditReporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to helpme block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-21
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : 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 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : 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 2022-04-21
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. (WI)

Experian continues to list false addresses, false ssn and false spelling of my name. Experian has also reported someone else account as mine. I asked how they verified this info and they have not sent me any reply.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (CA)

I financed a car with Wells Fargo in the past. 
I was subjected to some unfair financing and terms. 
I purchased the car around 2008. 

Thanks, XXXX XXXX XXXX