davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
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. (NY)

In accordance with the Fair Credit Reporting act 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 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. 

While understand that by XXXX XXXX XXXX XXXX ( XXXX ), including XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, and XXXX, Has closed down from committing unlawful practices misrepresenting job placement rates and school programs targeted low-income, vulnerable individuals and left tens of thousands of students under a mountain of debt unable to find a job.
Consumer complaint received 2023-02-20
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. (TX)

This is the several time I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Here are the aforementioned items : XXXXXXXX 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 2023-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act 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  has violated my rights.

I have already disputed these items under sec. 609 of FCRA, but the bureaus did not remove them, nor prove validation.

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 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THE FOLLOWING INQUIRIES WERE FRAUDULENTLY PLACED ON MY PROFILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX REMOVED THESE FRAUDULENT INQUIRIES BUT TRANSUNION HAS THEM STILL REMAINING. THESE COMPANIES DID NOT HAVE PERMISSIBLE PURPOSE TO RUN MY CREDIT AND TRANSUNION DID NOT HAVE PERMISSIBLE PURPOSE TO PLACE THESE 17 FRAUDULENT INQUIRES ON MY CREDIT REOPRT.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (ID)

In XXXX  my check was direct deposited into my Wells Fargo account, I paid my bills as usual and the next day my check was gone as if it was never there and I had a ton of over draft fees and the bank would never acknowledge that anything happened. I still to this day call them about it because with my check going missing and the over draft fees it ended up being about {$1000.00} gone. I was without a paycheck for over a month having to pay back the fees that they charged me. I contacted my work as well which confirmed my check was deposited to the same bank account that it was always deposited in for months. It was like the bank took my check and put it elsewhere after it was already there confirmed by online banking.
Consumer complaint received 2022-05-21
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: SYNCHRONY FINANCIAL (FL)

In accordance with the fair credit reporting act XXXX Account XXXX, has violated my rights. 
15 USC 1681 Section 604 State i have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also States a consumer reporting agency can not furnish an account without my writing instruction.

15 USC 1666 : A creditor may no treat a payment on a credit account under an open end consumer plan as late for any purpose.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I CONTACTED XXXX EQUIFAX AND XXXX   about them having my updated balances incorrectly reported on my XXXX  account. I will attach documents to show they are falsifying updated balances on my report and my AU 's report for this same XXXX  account. And EQUIFAX UPDATED AND POSTED THIS FALSE INFORMATION KNOWING ITS A FEDERAL CRIME THAT CARRIES A VERY HEALTHY FINE AND COULD LEAD TO CRIMINAL CHARGES. My reported update balances are the XXXX  of every month.
Consumer complaint received 2017-11-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (TX)

I applied with XXXX XXXX XXXX, specifically the mortgage loan originator XXXX XXXX. They ran my credit, took my personal information yet refuse to provide me with a loan estimate. This process began on XXXX XXXX, 2017 and today is XXXX XXXX,2017. He presented me with a prequal that just listed the rate. I found a home that would be built so I updated him with the exact mortgage amount needed, terms, taxes, etc. and he has refused to send me any term sheet, loan estimate etc. I asked why my credit was ran if nothing was going to be provided and he switched his words from saying I applied ( which is why my credit was ran ) to that I only partially applied. How do you partially apply to anything? In my opinion You dont partially apply to anything if your credit is ran, you say specific loan terms, down payments etc. Three other companies have had absolutely no problem submitting me this information, as is required by XXXX within 3 business days, but he for some reason refuses and insists on calling me multiple times a day when Ive asked him to stop and only contact me through email. I want nothing to do with this shady company and feel my credit shouldnt have been pulled based upon false pretenses and receiving literally nothing in return. Why would anything apply for anything to receive zero information? Disgusting way to do business. Upset my credit score will drop based on these misleading business practices.
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Sir/Ma'am, We purchased a XXXX hot tub from Mattress Firm at the XXXX XXXX County Fair on XX/XX/XXXX. It was delivered on XX/XX/XXXX with no plug, the wrong electrical configuration, and the wrong color. We annotated on the delivery slip and by contacting our salesperson. On XX/XX/XXXX XXXX was contacted regarding no plug ( making hot tub non working ) and the wrong color. Our salesperson XXXX offered a {$500.00} discount for the wrong color but later responded she " got an error message '' when trying to add the discount. Not until XX/XX/XXXX did XXXX arrange to have an electrical kit sent to our home. Once we received the kit we arranged to have a technician to come to our home and convert the tub to plug into the 110v standard home outlet as we ordered. On XX/XX/XXXX and XX/XX/XXXX I emailed the Mattress Firm sales representatives XXXX XXXX and XXXX XXXX regarding late and delinquent payments reported to credit bureaus to see if they could help resolve the issue- we did not pay because we did not and still do not have the tub we ordered or the {$500.00} discount offered by XXXX . Neither responded. On XX/XX/XXXX I contacted the XXXX representative XXXX XXXX and CC 'd XXXX, XXXX, and their boss asking if she could contact them or get us a way to contact them. XXXX from XXXX responded she was done with our order ( since hot tub was now funtional ) and that she had contacted Mattress Firm previously about contacting us- they never did despite her claim of asking them to contact us  and address our concerns and my email asking her for help in which I CC 'd all three Mattress Firm representatives. 
I attempted to call Synchrony Financial and was basically told to pay our bill sometime in XXXX or XXXX and today XXXX the agent at XXXX ( sounded XXXX ) stated no supervisor would accept my call unless my account was current! I asked again and again was told no supervisor would accept my call until I paid my delinquent account. I responded that that seemed criminal that the creditor did not want to talk. I have attached/uploaded a summation with supporting documents and the response from the letter I sent to Synchrony Networks.
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (NY)

XXXX XXXX at XXXX XXXX XXXX, XXXX, Oregon XXXX has reported a hard inquiry on my credit report. I do not know this company and have not applied for or have never done business with this company. This company does not have an application with my signature.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TN)

On XX/XX/2022 after receiving a copy of my credit report I wrote a letter to ERC to dispute the debt and request verification and validation documents. I specifically requested any contract or agreement with my wet signature as well as any proof of contract to substantiate they are entitled to enforce a commercial claim, I received a response dated XXXX XXXX stating the debt is valid with an attachment of the final bill from XXXX. 

ERC failed to provide any documentation requested including, but not limited to the original certified agreement with my wet signature from XXXX XXXX XXXX XXXX did they provide any documentation of a contractual relationship between Enhanced Recovery Company and XXXX XXXX XXXX authorizing them to enforce a commercial claim against me for this debt.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX and I opened a joint account with Wells Fargo ( WF ) when he was below XXXX yrs old. 
Around this XXXX XXXX told me that {$1000.00} and {$900.00} were fraudulently. He filed a complaint. Claim # XXXX was assigned to him. I transferred {$1900.00} to XXXX as he is going to cruise. XX/XX/XXXX, WF denied it.My son was informed that debit card under my name was mailed to XXXX XXXX XXXX XXXX, XXXX XXXX around XX/XX/XXXX. 
First of all, we dont live in XXXX  XXXX We have lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XXXX of last year as reflected on our Drivers License. XXXX goes to XXXX XXXX XXXX and I teach at XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I filed a dispute via phone using same claim number XXXX On XX/XX/XXXX, I sent documents to XXXX per instruction : co-workers affidavit, XXXX Pay Stub, and my bank transactions in XXXX and XXXX showing that I was in XXXX when fraudulent transactions happened in XXXX. XXXX denied again the claim. Somewhere XXXX XXXX, I filed dispute of the same case : fraudulent and unauthorized withdrawal of {$1000.00} and {$900.00} Claim # XXXX was assigned to me. On XXXX XXXX, Wells Fargo denied it again.XXXX  XXXX XXXX and I went to the bank to file a dispute with XXXX XXXX XXXX, Banker of Wells Fargo, XXXX XXXX XXXX XXXX, XXXX, XXXX. XX/XX/XXXX XXXX XXXX XXXX and I were on phone to dispute. with WF. XXXX XXXX XXXX said that around the same time, 2- accounts under my name were opened in XXXX XXXX, XXXX, I received a denial letter via secured Wells Fargo message on claim # XXXX. I responded the same day cc XXXX XXXX XXXX. XXXX XXXX XXXX contacted me. I did not respond. I find it a waste of time to continue working with WF. Should Wells Fargo plan to resolve it, we should have been issued a refund amounting to a total of XXXX
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX along side XXXX XXXX, XXXX, Transunion and XXXX are all actively reporting incorrect information regarding a balance on an account. The balance is for {$6800.00}. This balance was paid in full, and has been for years. This needs to be removed, immediately, from my credit. This letter also serves as a letter of demand with intent to sue in accordance with the FCRA section 605. The aforementioned agencies will be receiving formal summons to appear in a civil court for violating the FCRA, FDCRA and consumer finance laws in accordance with state and federal guidelines. As such, the State Attorney Generals office and Department of Finance, along side state licensing board will receive complaints of illegal debt collection and reporting. You have untiXXXX XXXX XXXX to comply with this lawful request for deletion of illegal debt reporting, no further communication will be sent, if this is not removed by the aforementioned date this will be seen in court for the before listed companies involved.
Consumer complaint received 2019-07-06
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)

Experian in conjunction with XXXX XXXX XXXX XXXX conducted and completed an investigation into my XXXX XXXX Credit Account without informing me. According to a supervisor at Experian a hand written letter of mine along with a CFPB complaint against XXXX XXXX XXXX, XXXX was submitted which in turn started another investigation into my accounts. Neither Experian or XXXX XXXX notified me of this complaint, neither provided the basis for the investigation and neither notified with the results. Experian failed to assist me ( XXXX and XXXX ) with any type of relief with respect to the continued unlawful access, request for, the receipt of as well as conducting investigations by " imposters/identity thieves '' which has led to the ongoing " global '' activity fraudulent credit card imposters/identity thieves The month : XXXX to current.
Consumer complaint received 2023-03-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Each of following denied me an extension of my own 100 % per US law credit and notes of exchange XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX each committed the following violations 15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7 In accordance with United States Codes and My Federally protected consumer rights these violations are noted and probably more, 1026.13 Billing error resolution.

18 U.S.C S.s.1029 Violation 18 U.S.C c.47 Violation 18 U.S.C S.s. 1030 Violation 18 U.S.C 1644 Violation 47 U.S.C 325 Violation Let it Be noted that I went to each party in good faith exercised and expressed
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (CA)

SANTANDER CONSUMER USA account number : XXXX date opened : XX/XX/XXXX past due amount : {$17000.00} U S DEPT OF ED/XXXX account number : XXXX date opened : XX/XX/XXXX pasted due amount : {$9400.00} U S DEPT OF ED/XXXX  account number : XXXX date opened : XX/XX/XXXX pasted due amount : {$4100.00}
Consumer complaint received 2019-07-06
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. (AL)

I submitted a dispute concerning inaccurate and fraudulent inquiries and account on my credit report. I submitted proof of my correct information and the Creditor asked Equifax to remove the inaccurate item and they have not done so. They have also kept the inquiries on my credit report when they are not inquiries I initiated.
Consumer complaint received 2019-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MN)

I opened a Chase checking and savings account on XX/XX/19 for a {$600.00} bonus. {$300.00} of the bonus was for making a direct deposit to the checking account. {$200.00} of the bonus was for maintaining a balance of {$200.00} in the savings account for 90 days. {$100.00} of the bonus was for doing both of these. 

I made a direct deposit to the checking and was awarded the {$300.00}. After receiving the bonus, Chase randomly closed the account without my consent. I maintained a balance of over {$15000.00} in my savings account for the 90 days and was awarded {$200.00}. I received {$500.00} of the {$600.00}, but the {$100.00} bonus for completing both requirements was declined because of my checking account being closed. I did not close the checking account. Chase closed the checking account. 

I called Chase and tried to work with them. The representative I talked with asked a supervisor to credit my savings account the {$100.00} because Chase was the one that closed my checking, but the request was declined. I think this is a shady business practice to close an account for a customer that was following requirements and doing nothing wrong, and also to decline the bonus later on. I'm not impressed with how this was handled by Chase.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST FINANCIAL BANKSHARES, INC. (TX)

I made a deposit on Friday XX/XX/2022 of {$3800.00} cash at First Financial Bank ATM located at XXXX XXXX XXXX XXXX XXXX, TX XXXX. The ATM took the money but did not process the deposit and did NOT give me a receipt. I went inside and spoke to a personal banker, XXXX XXXX. She told me that I would have to wait until Monday, XX/XX/2022 for this to be investigated. They did not balance the ATM until Thursday, XXXX XXXX and I received a call from XXXX XXXX saying they only found {$880.00} of the XXXX. Another company by the name XXXX comes to balance the ATM so First Financial never did an investigation themselves. XXXX XXXX informed me that there was nothing more they could do for me. I am still missing {$2900.00} of my money.
Consumer complaint received 2017-11-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (CA)

In XXXX 2016 the vehicle broke down. A tow company took the vehicle out of my hands. I signed a bill of sale and he took over the title. He said he would pay balance and not too worry. The car no longer in my possession. It 's been long gone for a year now and they keep calling me, harassing me and my friends. Going to their houses and harrassing them, then saying they have a judgement against me, throwing papers at them, going through their mail to try to find me. I lost my job, went thru divorce and became homeless for 4 months. I get on my feet again, only to repeat the process. I live a clean and peaceful life and tired of the calls. 

They do n't listen and I sent letters which they said they did n't receive. And a copy of the bill of sale for XXXX dollars as well as to the DMV. Wilshire Consumer Credit is the worst.
Consumer complaint received 2022-05-21
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: EQUIFAX, INC. (CA)

This is to submit the proof of this part of my last complaint just submitted to Equifax : Last Dispute sent XX/XX/XXXX : ID FOR COMPLAINT SENT TO EQUIFAX XXXX Equifax responded they needed more time on XX/XX/XXXX. Equifax mailed a letter to WHO WAS SUPPOSED TO BE ME dated XX/XX/XXXX asking for two forms of identification. There are two major errors with this letter. 1. Equifax PROVED that my credit file has been compromised by stating the name of MY SON ( XXXX XXXX XXXX, XXXX ) on the letter instead of MINE ( XXXX XXXX XXXX, XXXX ). Please see attachment of this letter which was their response requesting additional documents after MY complaint. My son has never disputed anything.
Consumer complaint received 2022-05-21
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. (MN)

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 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 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.