davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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 (SC)

I wrote a letter to Lexisnexis dated on XXXX starting that I would like all my information removed from their system due to violating my consumer rights of privacy and permissible purpose. The information that is on this report stems from XXXX  while I was still a minor up until now. I sent it to the XXXX XXXX address where I received notification that the company has moved and there's no forwarding address. I called them today and I spoke with a representative by the name of XXXX. This representative of Lexisnexis told me that she could provide to me ways to opt out but her company will not do as I ask and remove the information. I ask several times during the conversation and she continued to provide me ways to opt out. LexisNexis is willfully housing, sharing, sending information that is damaging to my character and my reputation. They are in violation of Title 15 USC 1681 ( a ) ( 4 ), Title 15 USC 1681 ( B ), Title 15 USC 1681 ( e ) and now they are holding my information hostage so it is definitely intentional violating Title 15 USC 1681 ( n ). I also have a voice recording of the call where the representative continues to give me options in which I did not ask for.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CO)

TDBank extended credit to an identity thief in Michigan ( I reside in Colorado and have never been to Michigan ). The identity thief presented a fake Michigan drivers license to TDBank ( as confirmed by XXXX XXXX ). The Identity thief then used the credit to make a {$9900.00} purchase in XXXX, Michigan. 



The photo of the Identify thief on the fake drivers license shows she is XXXX XXXX, while I am Caucasian, and I sent TD Bank a copy of my drivers license. The identity thief used my former marriage last name which I have not used in over ten years and legally changed on all my documents-- including my drivers license, social security card and passport. 



Despite all of this information being provided to TD Bank, it has clearly failed to conduct a reasonable investigation, merely responding that the sales receipt was signed ( by the identity thief! ) so I am responsible. The thief used the false ID for credit from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, all of whom reversed the charges as fraudulent. Only TD Bank refuses.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

On Friday, XX/XX/2022 I agreed to have XXXX XXXX XXXX XXXX fix a dent in my truck. He flagged me down in the parking lot and we exchanged numbers. After text messages back and forth, I agreed to allow him to fix my dent for {$140.00}. Please see attached for the correspondence back and forth over text. 

He came to the house and made the repairs. When I handed him my card, he quickly entered {$1400.00} into the XXXX reader and pressed submit. I asked him to reverse the charge, and he did, refunding me the difference between {$1400.00} and the {$140.00} I owed him - {$1200.00}. Please see attached for a copy of the XXXX refund XXXX XXXX that he then sent me a copy. 

The refund never came, so I called my bank, USAA, to dispute the charge. They launched an investigation, and ruled against me, stating that the merchant provided documentation to show that no error had occurred. I submitted the text conversation and the copy of the refund receipt. 

I have not seen this documentation and it is fradulent if it is for any amount other than {$140.00}. 

There is evidence that we agreed to {$140.00}, and a copy of the {$1200.00} refund that I expect to be processed.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020, I sent an letter to XX/XX/XXXX Home Loans ( account # XXXX XXXX. I advised XX/XX/XXXX Home Loans that the company is reporting incorrect information to credit bureaus indicating the account is currently 90 days past due. However, XX/XX/XXXX Home Loans sold the loan to another company and should be reported 90 days past due.
Consumer complaint received 2022-04-28
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. (FL)

in accordance with the fair credit report act XXXX  account # XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15

usc 1681 section 604 states 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$1100.00}, {$2100.00}, {$6300.00}, {$2800.00}, {$12000.00}, {$7700.00}, {$1700.00}, {$5700.00}, {$0.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened onXX/XX/XXXX, XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$2100.00} -This is not my account. 

4.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

5.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

6.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7.XX/XX/DSNB with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$1700.00} -This is not my account. 

9. XX/XX/DSNB with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- PERSONAL LOAN 10. XX/XX/XXXX IN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 11. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account.
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX XXXX XXXX after speaking with several customer service reps with this company continues to do damage to my credit report by reporting incorrect info. XXXX  shows this account closed in XX/XX/XXXX this account closed in XX/XX/XXXX and was a paid charge off in XX/XX/XXXX. This caused a major 50 point drop in my credit score which I am working very hard to repair. In good faith I paid this account off, and they continue to be inaccurate with reporting, as well as incorrectly re aging this account causing a significant score drop while I'm attempting to obtain a mortgage. I remain very disappointed with this company 's handling of this account. They have not been very helpful at all with any of my requests, and I intend to take this situation further if they can not report accounts accurately to each credit bureau.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

I attempted to pay my Best Buy debt ( Account # XXXX ) and was unable to do so because the account is to old and because the company issued a 1099-C form. Im currently working with a mortgage company and they are requesting I pay the account in full. After multiple attempts to pay the account off, and after being told I was issued a 1099-C form, is it possible for my Best Buy account to show a balance of {$0.00}. 

Thank you for your time!
Consumer complaint received 2018-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (GA)

Had a medical bill of {$730.00} from XXXX XXXX hospital in  XXXX, Ga. The bill was sent to collections mid XX/XX/XXXX. The collection agency is called State Collection Service in XXXX Wisconsin. 
I paid off the {$730.00} in XX/XX/XXXX with my HSA. I have the proof in my statements. For some reason, in XX/XX/XXXX, after the bill was already paid in full, XXXX XXXX hospital sent the bill to a SECOND collection agency ( called XXXX XXXX XXXX XXXX. In XXXX, FL. ). This is now on my credit report, negatively affecting my credit, dropping my score quickly. 
I've made numerous calls between the hospital and the collection agency, and no one will listen to me. State Collection Service told me they show where I paid the bill XX/XX/XXXX, but that it's the hospital 's responsibility to fix it, not theirs. XXXX XXXX says they show no record of the bill being paid. They say the Collecting agency needs to report to them that the bill was paid. One keeps sending me back to the other and neither will listen or help. 
While all of this is happening, my credit score continues to suffer.
Consumer complaint received 2022-04-28
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-04-28
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, 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 an account without my written instructions
Consumer complaint received 2019-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OK)

A XXXX dollar withdrawl and XXXX withrawl was drawn fro. My bank moble acoount through my school occc banks disclosing my info and authoriztion on statments chase XXXX XXXX human departmant of services says i dont qualify for unemployment ssdi denied me twice i dont recive pensions but my credit report says morgage loans car loans credi cards my name i s XXXX XXXX i live in XXXX oklahoma XXXX XXXX i live in public housing and recive a XXXX utility check a group of people broke in my home i. XXXX and stole my car crefitantials and id bank numbers deeds trust i belive i was institutionalized from XXXX to XXXX there's cameras on the property i went to managment and sh e gave me security number they stole my goverment phone my XXXX hp computer with important files in pertaning confidintal things my will wishes deeds medical info XXXX XXXX accounts and XXXX XXXX ive been a target of theft i sent the documents to the 3 credit bureus in XXXX of XX/XX/2018 they havent delevered me anything i gave them copies of social w2s and id but i moved since then to XXXX XXXX XXXX XXXX XXXX i need help recoverng my life and ownership back. Chase trust banks and all. Other banks i contacted said i hold no accounts iras accounts or buisness accounts i feel like i been diqscriminated aginst with fair housing having me appeal the denial of access
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (NY)

On XX/XX/2024 the items below have been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action!

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXX, Credo, XXXX, XXXX, and XXXX have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX, XXXX, XXXX of 2021, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX # XXXX -- -- XXXX XXXX XXXX -- XXXX XXXX-Account number XXXX -- XXXX XXXX-Account number XXXX. In those 3 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Mobile : XXXX Card # : XXXX SS : XXXX XXXX XXXX XXXX : XXXX My name is XXXX XXXX and Im writing in regard to an inquiry I had with Wells Fargo. I had late payments for the credit card and account outlined above and had requested they be removed. Throughout this time, I had dealt with extraordinary difficulties that required an overwhelming amount of time and financial resources.My subsequent conversations with Wells Fargo led to the deletion of the two late payments I incurred during the pandemic, however, I inquired about three specific payments dating back to XXXX, XXXX, and XXXX of XXXX. I had asked for a goodwill adjustment from the bank as I had been a customer for forty years. I spoke to XXXX, a case representative for the bank. I explained my current situation, but she was dismissive, rude and reticent regarding my request. She specifically stated that the bank could not complete my request despite my proving they had been helpful in the past. From here the representative became more agitated at which point I said I would just have to take the account down to zero and close it to conclude my business with the bank. Thereafter, I noticed that the two payments the bank had withdrawn were reinstated after my phone call. This seems to me like retaliation for closing the account as the charges had been removed but immediately reinstated after my conversation with said representative. I am reaching out now as these are clearly not the proper actions for a bank to take against a customer as the only explanation for their actions is vindictive punishment. 
XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (IN)

Beginning back in XXXX  my information was compromised in several attacks that occurred over a for year span between XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX which works on behalf of my XXXX coverage XXXX XXXX XXXX XXXX XXXX. As a result I am filling out this complaint as I am a XXXX veteran who was injured in the XXXX XXXX XXXX who had multiple issues with my personal data and secured information from banking, social security number, debit cards, emails, documents were exposed over several data breaches. I have notified said companies and credit bureaus with all documents to help assist me in this matter. Yet I have been targeted by debt collectors and companies who do not want to help yet they treat and talk to me with disrespect and treat me as if I am a criminal and furthermore they try to intimidate me into paying on accounts or even paying back money or items I never purchased or loans I never applied for. I have tried to be as helpful as possible this has caused several issues within my marriage my personal business life and a direct hit to my character reputation and my physical and mental health and which it has made things worse because it has been very difficult for me to get my restored. These attacks occurred during times were I was either dealing with a major XXXX or I was in the XXXXl and because of my health issues I was unable to notice this or I was not capable of contacting said companies. Due to my health issues and both mental & physical health I would not been able to physically or verbally consent to these accounts. I have been both verbally abused and accused of opening credit cards or applying for loans. I have contacted companies directly debt collectors and gotten police reports Identity theft reports locked my credit file and yet these companies keep insisting I am not providing enough evidence. I am on the verge of suing all companies and bureaus involved because all this did was push me further into XXXX and has made my XXXX  and XXXX become worse, I have even contemplated taking my life as this has ruined me and caused me to not even be able to get things for my family my wife and kids have suffered the most and that what hurts the most not being able to obtain the things I want and need for them. I wanted to move to a new state and purchase a new home but this is hindering my progress, my car notes and bank accounts have been closed and my cars are on the way of being repossessed because of the fraudulent activity has caused several returned check fees that total more than {$10000.00} between both vehicles.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (NJ)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC1681 section 602 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 my written instructions.

15 USC 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 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo still is not reporting correctly to experian. Account is paid in full. They are reporting negatively on my report for over almost a year. Never updated anything. I believe experian is not investigating at all. All they have to do is call Wells Fargo like I did and get the facts correctly. Wells Fargo already said to me that they will get it reported correctly, but experian is lying to federal agency and myself and most likely others across America for centuries. This behavior needs to end now.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NC)

We have had mortgages with Citibank since XXXX. When we were moving this year, we once again decided to use them for our mortgage. Everything seemed to be moving along fine. We sent all required paperwork in as soon as it was requested. When it came to closing day, XX/XX/XXXX, we were all packed up with our family, pets and food in a chest freezer for the 3 1/2 hour drive to the lawyers office to sign the papers. When we arrived, they informed us that Citibank had not sent them the closing documents. We called them only to find out that they didn't have the closing documents ready. They informed us that it would be at least 3 business days before we could close because they needed to send us a closing disclosure for us to approve. This put our closing date off until XX/XX/XXXX. When we asked what happened, they never gave us a straight answer. We were only told that they let our loan processor go and we needed to re-submit our paperwork. So here we were, homeless, in the middle of a pandemic with all of our things, pets and food in a moving truck. This put a tremendous financial strain on us as we now needed to pay for a hotel, restaurant food, clothing to get us by, extra moving truck expenses, and spoiled food. Citibank finally sent us the closing disclosure and we closed on XX/XX/XXXX. They apologized for their complete ineptitude and told us that when we would go to close at the lawyer 's office, there would be a credit for us due to all the extra expenses that we incurred. There was no credit included in our close. We brought this to their attention numerous times and were told numerous times that they were working on getting it approved. After months of sending emails to their entire management team, we still have not received any type of reimbursement.