davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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. (MI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 2024-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I am tired of this XXXX branch and company overall. I have filed a previous complaint and after they responded, I was told to contact an attorney. I have tried but not to many attorneys take discrimination complaints if you are not an employee. I am very close to filing a multi-million dollar lawsuit against this bank myself for discrimination, harassment and retaliation. I went into the XXXX IL, fifth third bank brach to close my checking account ending in XXXX. They refuse to close it and i'm still receiving communication from this bank. I want the account closed and no further contact. I also went to the department of human rights but was told the time frame to file had passed. This branch and all the employees in it are XXXX. The teller I did my transactions with had a superior attitude, she has been there the longest and angry because she has had no growth in that position that she has worked for close to 15 years, as well as the branch manager. I want to be left alone. This is not about money but I want the account closed and want to pursue them legally for the charges I listed above. The XXXX guy that they had to respond to the first compliant, I actually felt bad for him because they used him as the token child but this XXXX man will always stand up and fight for justice and equality. The employess at this brach act like they are doing you a favor. They have these bad attitudes and can not stomach a semi-successful XXXX man that has worked for everything I have and will not stand for it. I want justice, the account closed and the right attorney to go after these XXXX trash bags.
Consumer complaint received 2021-07-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

The night of XX/XX/XXXX I started an application for Amerisave. Before completing the application I was asked to pay {$540.00} for an appraisal. I messaged XXXX XXXX about it and she stated that is something I will have to do to proceed with the application. So I did so. I proceeded with the application and uploaded documents from the tabs they brought up. I mentioned prior to applying to XXXX XXXX that I need to get a pre-approval in writing and a letter of guarantee so that I know I will be able to receive a mortgage. I have yet to receive any letter for anything Ive asked for. But Im asked to keep uploading documents. I recently let them that they are in violation. I know there was a lawsuit in XXXX about this. It appears that they are still doing the same things as they were from seven years ago. I refuse to be another victim. I have consistently reminded XXXX XXXX and XXXX XXXX that I request to have a letter of approval in writing. Their portal does not allow me to see what I have uploaded nor see a pre approval letter for me to print out. Two days ago XXXX XXXX mentioned that if I upload my school info and my W-2 that I would be able to get a letter and I did so and I still dont have anything because XXXX XXXX was to clear credit and income. Please address this as I am trying to get my {$540.00} back. I have no information as to where my progress is with them and I find it unprofessional.
Consumer complaint received 2021-07-21
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: DISCOVER BANK (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... DISCOVERBANK XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-12-01
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. (FL)

taking a overview look at my file a lot if information is invalid. ive checked all reports and I'm interested in disputing all incorrect information on my credit report with Equifax. all information needs to match an is hindering my file.
Consumer complaint received 2023-03-26
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. (PA)

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. 
Account names : 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 2019-09-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I opened a credit card account with XXXX XXXX and they sold it to another company by the name of Portfolio Recover Associates, LLC. Portfolio Recover Associates never contacted me and never sent me a certified letter saying that they were going to take me to court. They went to court, where I was not notified again, and sent out a judgement against me to garnish 25 % of my check each pay period for the amount of XXXX. On XX/XX/, 2019 I tried to resolve it with XXXX XXXX and Portfolio Recover Associates and was told, by XXXX XXXX of Portfolio Associates, that my only two options were that I had to either pay it all in full or they were still going to garnish my checks. I feel like we could have came to an agreement of how I was going to pay off this balance only if someone would have contacted me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-26
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. (NC)

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.
Consumer complaint received 2023-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

The company is Venmo. 

When I attempted to a pay a vendor on XX/XX/2023, Venmo froze my account and requested government issued photo ID in order to unfreeze my account. I immediately provided an image of my ID. When I contacted Venmo the following day ( XXXX XXXX, XXXX  ), I was told that I would have to wait XXXX business days for the review process, and that the review process hadn't started as my issue had yet to be assigned to a XXXX. I was then informed by " XXXX '' ( the Venmo customer service representative ), that I would also not be allowed to access the funds in my Venmo account ( $ XXXX ) until the review process was complete. 

The Venmo customer service representative offered no way to expedite the review process, but did agree that freezing my money was unacceptable.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PNC Bank N.A. (NV)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2024 I saw XXXX hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXXXXXX XXXX on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX XXXX XXXX that said he worked for the XXXX XXXXXXXX XXXX dealership. I told him I was going through XXXXXXXX XXXX my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Consumer complaint received 2022-12-01
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX Balance : {$420.00} ; XXXX XXXX  XXXX Balance : {$6100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX  ( Original Creditor : XXXX AT T ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XX/XX/XXXX ; XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-10-14
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: EQUIFAX, INC. (AZ)

The following account is fraudulent and was deleted previously from my Equifax credit report : XXXX XXXX XXXX, the account is fraudulent and was previously deleted from my credit report, but has reappeared on my credit report.
Consumer complaint received 2023-03-26
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Chime Financial Inc (MI)

Chime bank after I deposited my cashier 's check {$3500.00} refused it and since I signed it for chime mobile deposit only I could not cash it makes chime responsible for my funds and should be held accountable
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Account name : # XXXX XXXX XXXX XXXXXXXX, XXXX {$310.00}. XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX {$260.00}. 
Account name : #, XXXX Number XX/XX/XXXX Account name : # XXXX XXXX  XX/XX/XXXX {$280.00} Account name : # XXXX. XX/XX/XXXX {$95.00} Account name : # XXXX XXXX XX/XX/XXXX {$870.00} 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 2018-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

I have sent a letter to all 3 credit beaures on XX/XX/XXXX to ask them to contact and verify and validate the so call debt that is owed with this creditor they have failed to correctly validate that is so called debt is mine. Creditor is enhanced resource centers amount of {$510.00}. They have sent a bill, no contract with my signature within in the 30 days as in the FDCPA.
Consumer complaint received 2019-07-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (VA)

I am being contacted by Commenity Bank on XX/XX/XXXX and XX/XX/2019. They are looking for a relative. They are calling my mobile phone number. I never provided them with this number. I do not wish to be contacted or involved. I have asked that they cease calling me. I can not believe that a company has the audacity ( much less the legal right - but apparently they do ) to call a totally uninvolved party seeking information on someone they think owes them a debt. Apparently, they go " sleuthing '' through the Internet to identify people with the same surname. Talk about an invasion of privacy!
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP (VA)

Elan Financial Services sent a request to have a client take a photo of herself on her mobile device BEFORE they would decision her request for a credit card she applied for online. This seems to be in direct violation of reg B and overt discrimination. 
Why does a creditor need a picture of you before deciding if they will extend credit to you? Are they looking to see what race, gender and nationality you are before they give you a credit card?
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weltman, Weinberg & Reis Co., L.P.A. (MA)

I have received multiple letters and a voicemail from a firm purporting to be Weltman , Weinberg , & Reis Co., LPA - the letters state that they have been retained by XXXX XXXX XXXX to collect on past due obligations. To my knowledge, I have never had any contractual or financial relationship with XXXX XXXX XXXX. Thus, it appears that an individual or a firm, under the cover of Weltman , Weinberg , & Reis Co, LPA, is attempting to defraud consumers by attempting to collect on frivolous accounts and misrepresentations. 

I have shared the attached materials with the Attorneys General offices in Ohio and Massachusetts and with XXXX. I am bringing this to your attention as well as my assumption is that many other consumers are also impacted.
Consumer complaint received 2023-03-26
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. (KS)

My name is 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.
Consumer complaint received 2021-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAPITAL ONE BANK USA N XXXX ... XXXX  XXXX ... XXXX XXXX XXXXhat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

This is regarding a 4 year old debt. I co-signed someones bail to prevent their loss of employment. The original debt was for XXXX XXXX XXXX in the amount of {$790.00}. I believe the debt may have been purchased from XXXX XXXX XXXX by XXXX XXXX XXXX, XXXX and later sold to AWA collections. I became concerned when I noticed a different amount and creditor on my credit report and disputed the amount. Since the dispute in XX/XX/2018, the amount has increased to {$1000.00} and appears to be increasing at a daily rate. I contacted the creditor to whom the debt was sold and was told it will gain interest 6 % everyday until it is paid and up to 10 %. When I asked the criteria for applying interest she did not know.
Consumer complaint received 2023-03-26
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. (FL)

Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX 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 2022-12-14
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. (MI)

I'm writing this letter to delete and correct some personal information that is damaging my credit report and is NOT permissible by law, because it is not my information, and it SHOULD NOT be on my credit report. My current and only adrdress is XXXX XXXX XXXX, MI XXXX. My current and only telephone number is XXXX. I ask you this one and final time Please remove all of these incorrect and erroneous items that does not belong on my credit report, and that is not aforementioned above.
Consumer complaint received 2023-03-26
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. (IL)

My name is 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.