davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I've been disputing a specific account " XXXX XXXX " with Transunion for some time now. I've requested their Method of Verification since XX/XX/2015. I've sent over 5 certified letters regarding this collection as well as the original creditor. 

XXXX XXXX, the collection agency, has failed to provide any documentation showing this account belong to me. In addition, Transunion states they continue to 'verify ' this information. I've requested how were they verifying and was told over the phone from a representative that they verify electronically. How is that so? And what does that have to do with the FCRA 609 ( a ) ( 1 ) ( A )? You must provide me with physical proof, which is the original signed consumer contract with my signature on it for this account. That's your job as a credit bureau to obtain this from the collection agency.

Moving forward, I've reached out to the original creditor as well and sent them numerous FCRA 623 certified letters.. To begin with, they have NO WEBSITE, ARE NOT XXXX   ACCREDITED, AND DO NOT RESPOND TO PHONE CALLS ... HOW ARE YOU GUYS VERIFYING THIS ACCOUNT THEN?! I don't even know who these people are, however, what I do know is that every business and reporting entity should be able to be found on the internet! " XXXX XXXX   XXXX XXXX, XXXX '' is not an established entity who can provide any documentation as to who they are or how they have my information. 

I have informed Transunion about THIS AS WELL, and have investigated repeatedly as I currently am, and they refuse to give me a PROMPT response with required documentation. However, they continue to report this account while failing to provide any method or form of verification. ILLEGAL!
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have a collection account on my credit file that has been paid. I have disputed this account with Equifax 3 times with the last time being XX/XX/XXXX and most recent today, XX/XX/XXXX. I have included in my dispute a copy of the letter from the company saying the account has been paid and satisfied in full.
Consumer complaint received 2020-09-16
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. (GA)

To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. 
Thank you.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I recently became aware of identity fraud committed by an individual in my family. I am unaware of which banks accounts were opened with. However I am aware that I am a victim of identity theft. I have already filed another dispute with XXXX XXXX and would like to file a dispute with XXXX XXXX XXXX XXXX and bank of America. The individual was able to use my social security to open new account in my name however I have been unable to determine which banks the accounts were opened with without the help from these institutions.
Consumer complaint received 2022-08-16
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (FL)

I have 2 private loans which were taken out by XXXX XXXX operating as XXXX XXXX XXXX. This school was found guilty of defrauding many students and predatory tactics and setting up students in predatory loans. I reached out to Navient to request discharge of these loans since my federal XXXX  have been forgiven. Navient was sued by an attorney general and reached a settlement to discharge loans for defrauded students who attended XXXX, however they are discharging for consumers defaulted on their loans only. Others who have kept their loans current are forced to continue paying for loans which were taken out fraudulently. Navient is aware that consumers were defrauded into bad loans but refused to discharge for everyone harmed by XXXX XXXX.
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: KAHRS LAW OFFICES, PA (KS)

Order of garnishment prepared by Kahrs law offices, P A Plantiff - XXXX XXXX XXXX XX/XX/2018 Garnishing wages They did not call/write/email me. 
Began garnishment out of my paychecks without giving notice. Currently taking around {$75.00} each week. A total balance of {$650.00} that I was not made aware of.
Consumer complaint received 2022-08-16
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. (HI)

I have been submitting multiple letters since XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the remaining unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

RE : Account # XXXX Claim Dear Chase bank, Your bank recently cashed a check from my account ( check # XXXX ) to payee XXXX XXXX. 

The check was mailed but never received by XXXX XXXX yet you cashed the check and removed the funds from my account even though the check was NOT endorsed. 

As a long time customer of Chase bank, Im appalled and XXXX   stricken how a credible bank can commit such an error, and then inform the customer that Im equally to blame because I quote Share the responsibility with the Bank. 

You could have easily returned the funds to my account while you conduct your investigation which Im told can be up to 3 months. But by not doing so, you have eliminated any confidence I have in you as a credible financial institution. 

Be advised that I have filed complaints with several agencies including the CFPB ( Consumer Financial Protection Bureau ). You will undoubtedly be hearing from them in the near future. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-09-15
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. (MI)

I live with someone else. This is the second time Since XXXX of 2018 my account information has been co-mingled with our living partners. I have requested twice a Validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a RipOff the  have XXXX XXXX have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$150.00}, I say I owe {$0.00}.
Consumer complaint received 2020-09-15
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. (MI)

I live with someone else. This is the second time Since XXXX of 2018 my account information has been co-mingled with our living partners. I have requested twice a Validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a RipOff the  have XXXX XXXX have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$150.00}, I say I owe {$0.00}.
Consumer complaint received 2019-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I opened a Wells Fargo simple business checking account on XX/XX/XXXX with bonus code XXXX. The terms of opening this account were that I : open a new business checking account by XX/XX/XXXX, make a minimum deposit of {$25.00}, deposit {$2000.00} or more into the new account, have a {$2000.00} minimum balance in the account on day 60 and make 5 or more qualifying transactions that posted to the new account by day 60.

I opened the Simple business checking account on XX/XX/XXXX with a {$2000.00} cash deposit. The same day ( XX/XX/XXXX ), I made 5 mobile check deposits for {$5.00}, {$5.00}, {$5.00}, {$5.00} and {$5.00}. I confirmed via Secure Message that the bonus was attached to my account ( WF SM Screenshot 01 & 02 ). 60 days after opening ( XX/XX/XXXX ) my balance was {$2000.00}. 30 days after meeting the bonus terms ( XX/XX/XXXX ), my balance remained the same but no bonus was deposited into my account. I reached out to WF via Secure Message on XX/XX/XXXX and WF states that no such bonus code is attached to the account ( WF SM Screenshot 03 & 04 ). On XX/XX/XXXX I reached out to WF again and they changed the term to 45 days after day 60 ( WF SM Screenshot 04 & 05 ).

I decided to give WF a chance to fulfill their changed terms and waited until 45 days after the terms have been met but there has still been no deposit to the account.
Consumer complaint received 2022-08-16
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. (CA)

lam a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.

And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacv and I did not aive Eauifax written permission to furnish these accounts. 

Accounts : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

On XX/XX/XXXX, a series of fraudulent charges hit my Capital One XXXX XXXX XXXX in the amount of {$3400.00} from two companies : XXXX and XXXX. I immediately disputed these claims with Capital One and they refunded the full amount by the next day. However, after further investigation Capital One decided that they would only refund {$900.00} of the claim which was from XXXX. The remaining {$2500.00} from XXXX was deemed legitimate from Capital One. I asked to be provided with documentation in which Capital One did stating that the XXXX addresses matched my email. I then submitted an escalation which Capital One did not even seem to review. The escalation included a police report number and my work with the local authorities on the matter. I called back once again and Capital One said there was nothing more they could do. At this point, I am at a loss because I can not afford to pay back the {$2500.00} that was fraudulently taken from my account and the Capital One Fraud Department has been less than helpful with any remedies I can further take. They simply say " we are not going to pursue this any further. ''
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I applied for american express platinum card on Tue, XX/XX/XXXX with the offer of getting XXXX points after spending XXXX k in 3 months. At the time of applying I did not get any indication that I am not eligible for this offer. I called american express afterwords a few times and they confirmed that they do see the bonus offer on my account. Subsequently I finished up much more then the required spending and waited to see my bonus. On XX/XX/XXXX I called up american express to inquire about this and was shocked to hear that my welcome offer was denied. I was never communicated about this.
Consumer complaint received 2019-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

Sometime during XXXX ( we think ) our mortgage was sold from JG Wentworth to Freedom Mortgage. We were notified of the sale during this time, including notification to pay Freedom during XXXX. We had no way of paying Freedom until XX/XX/XXXX when their introductory letter was received. The letter from Freedom was dated XX/XX/XXXX - this was for a payment that was due on XX/XX/XXXX! We paid immediately in order to avoid fee 's and a hit to the credit report. We have no received a letter saying our payment may be delinquent! This is outrageous. We should be given plenty of notice regarding with whom to make a payment.
Consumer complaint received 2021-08-19
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: Porania, LLC (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (PA)

I worked for XXXX as an XXXX  XXXX. The company required us to have a credit card for required purchases. When I left the company, there was a delay in them paying off the debt. This card has been paid and has a XXXX balance. Receivable Management services calls on a bi-weekly basis attempting to collect on this debt. I have now communicated to them three times that there is no longer a debt. They continue to call me and use names like deadbeat, and ask where they can direct legal documents ( implied threat ). I have also filed to be on the National do not call list. I have asked them to commutate by mail, I have asked them to put me on their do not call list. The calls continue.
Consumer complaint received 2022-08-16
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. (GA)

Credit reporting agencies : Equifax, XXXX, XXXX. XX/XX/2022 I requested each agency credit report and found several inconsistencies. Some accounts were not reported, some had reporting dates different or activity dates different or not reported at all. 
Equifax & XXXX reports my name wrong and unknown addresses and employment. There are many inquiries from unknown credit inquirers on my report.
Consumer complaint received 2020-09-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1600.00}.

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 ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (MD)

XXXX, XXXX  and XXXX  are ALL reporting false owed items. 

Dispute # 1 Company : Wells Fargo account # XXXX opened XX/XX/XXXX. I have no recollection of this account being mine, also it should be dropped off of credit report being it's over 7 years old. 

Dispute # 2 Company : XXXX/XXXX  account # XXXX opened XX/XX/XXXX I was on time on this account not delinquent. 

Dispute # 3 Company : XXXX XXXX  account # XXXX opened XX/XX/XXXX Account reported open and closed the same day. Over 7 years old please delete. 

Dispute # 4 Company : XXXX XXXX XXXX account # XXXX Never been late on this account. 

Dispute 5 Company XXXX XXXX XXXX XXXX XXXX  account # XXXX opened XX/XX/XXXX I was never late. 

Dispute # 6 account # XXXX, Company  : US Department  of  Education  opened XX/XX/XXXX No recollection of this account. 

Dispute # 7 account # XXXX, Company : Department of Education The amount reported is incorrect to what I truly owe, Dispute # 8 account # XXXX Company XXXX No open date to give payment status is incorrect. 

I want all past 7 year items removed ASAP also I have sent them ALL Certified letters..
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I applied for loss mitigation short sale to avoid a foreclosure on my home everything has been submitted and completed for the short sale but the lender has not postponed the sale date, even with all the documents and numerous phones to stop the foreclosure sale which a direct violation of the homeowners bill of rights civil code section XXXX and civil code section XXXX
Consumer complaint received 2023-08-11
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: LEXISNEXIS (IL)

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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I have supplied proof under the doctrine of Estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2018 I sent a letter to XXXX XXXX XXXX to remove all addresses and names on my file that are incorrect and update my credit file with the correct information. XXXX   XXXX XXXX did not remove all the incorrect Names and Addresses on my File so XX/XX/2018 I sent another letter with a copy of my Driver License and bank statement and Social security Card. providing them with my correct information still no corrections completed on my file.