davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-31
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: Experian Information Solutions Inc. (WI)

On XX/XX/2021 and XX/XX/2021 request for method of verification was requested but not received. On XX/XX/2021 a complaint was filed with CFPB regarding not receiving the requested method of verification. Another letter was sent out on XX/XX/2021 regarding the dismissal of my request. This is now 4 failed attempts and at this point I feel like there is not even an investigation happening, if there were then I'd have the documentation I am requesting. As a consumer, the reporting credit bureaus have failed me.
Consumer complaint received 2018-09-11
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: First Data Corporation (WA)

i went to write a check and was turned down by XXXX and i requested my report and there using my b day but different name and i did not commit this fraud i want this removed i disputed this i now have my legal office writing them there using to different people info and reporting not cool please fix this at once 3rd written response.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (PA)

I purchased tickets for my son and his girlfriend in XX/XX/2018 for an XX/XX/2018 trip. My sons girlfriend broke off with him and I called and cancelled the flights. I then disputed the charge through the XXXX XXXX credit card and they said I have to pay because I made the purchase. I will not be using the service and I should not have to pay for tickets that will not be used. 
XXXX XXXX XXXX card - Citi Retail Services XXXX XXXX   XXXX XXXX TN XXXX Date purchased : XX/XX/2018 XXXX son ticket XX/XX/2018 XXXX girlfriend ticket XX/XX/2018 XXXX son seat XX/XX/2018 XXXX girlfriend seat Date cancelled - XX/XX/2018 Record Locator XXXX Date disputed on credit card XX/XX/2018
Consumer complaint received 2023-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WSFS FINANCIAL CORPORATION (OH)

Wilmington savings fund Society and XXXX XXXX XXXX XXXX filed a lawsuit in XXXX XXXX court that seems to be dated back to XXXX of Last year. They stated that I owed this debt, but I had no clue who these people are, and they have stolen my identity and had access to my private information. I have not given them permissible purposes to use my information. I have never spoken to anyone or authorized or had an agreement with Wilmington Savings or XXXX XXXX XXXX. They hired a law firm that goes against the fair debt collections act and is a false representation. Attorneys are XXXX XXXX XXXX located in XXXX XXXX, MI XXXX
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CT)

The below complaint was submitted to CFPB against Wells Fargo prior, the Wells Fargo rep issued a reply which addressed a different complaint regarding a debit card dispute in the amount of {$290.00} from XXXX... I can assure the CFPB the below complaint has nothing at all to do with the dispute which is unresolved.. Please see below complaint.. 

According to rep with XXXXXXXX XXXX  in bank security dept by the name of XXXX, an amount of {$140.00} was sent to Wells Fargo along with another amount of {$690.00} as part of a fraud claim. The claim concerns a remediation payment in the amount of {$690.00}, compensation for unauthorized accounts opened by Wells Fargo reps... I spoke with XXXX on XX/XX/20, was advised of the above, unable to obtain check numbers for payments or reason amount of {$140.00} sent to Wells Fargo and not myself. There is a current CFPB complaint against Wells Fargo regarding the payment amount of {$690.00}, which is being handled by a XXXX in corporate office, unable to reach her by phone, I am providing information regarding additional payment amount of {$140.00} here. It appears both payments sent directly to Wells Fargo and not to a specific account, which was mentioned in prior CFPB complaint and attempted to advise XXXX of today, unable to do so. I've attached XXXX XXXX  letter here showing amount of {$690.00} sent to Wells Fargo, letter dated XXXX. I do not have letter showing amount of {$140.00} sent to Wells Fargo as of yet, however, I believe bank security can do a conference call with Wells Fargo to confirm. Complaints marked as duplicate will be resubmitted to other agencies, request investigated by CFPB
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (TX)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

You were advised by me on ( XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : BMW Financial Services Account Number XXXX. 
Late Payment Inaccuracy Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove it from my credit reporting information! 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. 


Please take notice that this letter dated XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2018-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

XXXX has again tried to pull an illegal move again by throwing a very old debt on my credit report. Whats Illegal about it well lets take a look 1. In Texas we have a Statue Limitation Law of 4 years on Debts, which means apparently when this debt was created back in XX/XX/XXXX-XX/XX/XXXX its should be illegel for these people to call my phone or try to collect on a debt that is past the Debt Laws in Texas. 

2. I have talked to XXXX and the time they claimed I had service with them, I have told them I did not I had service with XXXX XXXX at the time apparently after my request not to years ago they left my service on with me not even having any of their equipment in my home. 

Now I will be sending an email to the CEO of XXXX/XXXX contesting this debt that I feel is not owed.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX my phone number is ( XXXX ) XXXX if you want to contact me concerning the validity of this complaint I'm sending again. On XX/XX/2022 I mailed XXXX XXXX XXXX XXXX an Affidavit of Legal Notice and Conditional Acceptance Upon Proof of Claim. The affidavit is evidence that may be used according to the Federal Rules of Evidence to enforce or prosecute a default by me in this matter. They have failed/refused to respond thus ending the alleged agreement and giving me evidence that they did not follow GAAP. XXXX XXXX XXXX XXXX is and have been concealing material facts. I have been more than patience with XXXX XXXX XXXX XXXX. I have a right to dispute directly with the alleged creditor and they have a duty to respond to my correspondence which they have continuously failed to due. How this is allowed to remain on my credit report is far beyond disbelief. Fraud has been committed when a false statement is made with the maker having knowledge that the statement would be relied upon with the intention that the other party will believe it and act upon it and the party having justifiable reliance on the truth of the statement incurs a damage. I have incurred a damage and humbly demand to be made whole. I am uploading my evidence and demand that XXXX XXXX XXXX XXXX produce evidence that they responded to my inquiry or delete the falsely reported account immediately. Equality is equity and where there is equal equity, the law shall prevail. Thank you for immediate attention to this matter..D.Y.
Consumer complaint received 2016-06-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Business Revenue Systems, Inc. (MS)

I did n't recollect owing XXXX these bill that XXXX and BUSINESS ASSURANCE RECOVERY which are the same company anyway according to my research but try to scare tactic people by modding the water and act as XXXX different entity to XXXX people up.
Consumer complaint received 2016-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (TX)

XXXX or Allied continued to report an open collection with them from XXXX. This collection had been moved from them by XXXX back in XX/XX/2016 and they were still reporting to my credit as of XX/XX/2016. When I notified them they refused to provide me with documentation from them stating that it was still being reported by them to the credit bureaus erroneously. Even after I informed them that this error on their part was jeopardizing my job.
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Resources, Inc. (CA)

I have already put in XXXX complaint regarding this company. They reneged on the interest rate lock period. However in communicating with XXXX XXXX, he sent me the following information about the procedure of setting up the loan and getting an appraisal. As you can see, XXXX states that '' we lock the rate for 45 days. Once we receive your documentation that is when we move forward with the appraisal and ultimately bring the loan to closing. " XXXX, I followed XXXX 's instuction and had the appraisal done. However, all of my information was not submitted before the appraisal. I paid, I believe {$420.00} for the appraisal and yet, my XX/XX/XXXX tax returns were not turned into XXXX. I actually did not get my XX/XX/XXXX tax returns until XX/XX/XXXX The directions were not followed. XXXX XXXX then rescinded my 45 day interest rate lock and I lost my money and the ability to get the loan that I wanted. I sent XXXX an email telling him that the proper timing for the appriasal was not followed, but I have n't heard anything from him regarding a return of my appraisal costs. The email to XXXX is as follows. 

Obviously, if you do n't have my XX/XX/XXXX tax return, the appraisal was done prematurely. 
From the start, I told you that I did not have my XX/XX/XXXX tax return and you told me that the deadline extension would suffice. I sent that in to you. You didn '' t tell me that you needed my XX/XX/XXXX tax return until almost the end of my first interest rate lock. 

XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX
Consumer complaint received 2022-07-23
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)

On XX/XX/2022 I sent to TransUnion XXXX XXXX Assistance Department documents pertaining to me being a victim of identity theft. The information was received and sign for on XX/XX/2022. I sent the following : XXXX ) A copy of my credit I received from TransUnion with the fraudulent item circled. 
- XXXX XXXX XXXX XXXX # XXXX XXXX ) A copy of my Identity Theft Report, Passport and Utility bill. 
XXXX ) A copy of 605B of the Fair Credit Reporting Act, which requires TransUnion to block the fraudulent information on my report resulting in Identity theft within four business days and to promptly notify the furnishers of that information. 

Yet as of XX/XX/2022 TransUnion has done nothing about the Identity Theft Information that was sent to them and continues to report this fraudulent and inaccurate information to my credit report ( XXXX XXXX XXXX XXXX  # XXXX ) which violates my rights. Also in Accordance to the Fair Credit Reporting Act. Account XXXX XXXX XXXX CA XXXX, has violated my rights. 15 U.S.C 1681 Section A States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written Instructions. I never gave written instructions for this fraudulent account. Please remove this account immediately!!! 

Attached is all the Identity theft information that was sent on XX/XX/2022 to Trans Union with proof of receipt
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MS)

On XX/XX/20 I initiated a transfer of {$8000.00} from my Chase checking account to my XXXX savings account. The amount was debited from my Chase account on XX/XX/20, but has never been deposited to my XXXX account. I have attempted to file a claim with Chase to have the funds returned to my Chase account, and the Claims department has given me multiple different answers for why they can not assist. On XX/XX/20 at XXXX CST Agent XXXX stated she was unable to assist and would need another department to help. She transferred me to agent XXXX at XXXX. XXXX stated she saw the transaction went through from Chase to XXXX, but stated I would need to call XXXX  XXXX XXXX to have it reversed. She could not explain how or why XXXX  XXXX XXXX was involved in the transaction, but as adamant that she would not complete the complaint until I called them. She provided a telephone number for XXXX  XXXX XXXX, which I attempted to call and found was out of service. XX/XX/20 XXXX CST : Initial CSR read the notes from XXXX and XXXX and stated he wasn't sure why XXXX  XXXX XXXX XXXX involved, but he believed the issue was with XXXX XXXX XXXX This also made no sense. He transferred me to CSR XXXX. XXXX 's line had extreme feedback and was not audible. She placed me on hold for 15 minutes before the line died. After the inability of the phone support staff to resolve the issue I attempted to resolve the issue via the Chase Secure Message service, but I was told on XX/XX/20 and XX/XX/20 that complaints must be routed through the phone center.
Consumer complaint received 2022-07-23
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. (NY)

I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2018-09-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eastpoint Recovery Group, Inc (CA)

Received a call on XX/XX/2018 around XXXX XXXX. By a company called East point  recovery. They asked for a person named XXXX XXXX XXXX, I am not that person. I have received this call multiple times and told them to stop calling me. I am not that person. Cease and desist calling me.
Consumer complaint received 2018-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2018 I was attempting to purchase tickets for a show online. I made a agreement with the seller and we did a online transfer thru bank of america using XXXX which is the only option that it was giving me. Within 4 minutes of transferring the money I realized something wasnt right. I went down to bank of america which is 5 minutes away. I walked in and talked to XXXX. She pulled up the information and said ok good news it hasnt gone thru yet we can stop it. She then said I had to do it thru the mobile app and they cant do anything at the bank level. She put me on the phone with a agent who said the exact same thing. It was still processing and they told me no problem. Somehow I got disconnected from the individual. I immediatley called back and got a lady who again told me the same thing that they can stop it still. Well she sat there and basically said she doesnt know how to stop this. They verified it was going to XXXX XXXX  so they had all the info. She then blind transfers me to Loss Prevention. Who then transfers me to XXXX. Basically I have been told by my Bank Bank Of America that they have no way to protect the customer in regards to using XXXX. They explained that you have to basically dig a little deeper to do a treansfer thru them. Yet XXXX is all over their page and commercials.I have a police report and did everything Bank of America has told me to do. And then they come back and tell me sorry I have to fix it myself.
Consumer complaint received 2019-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My identity has been compromised and the aftermath of this tragedy is that I'm suffering from accounts being reported inwhich I do not have any contract with nor any other knowledge of. I'm asking for the three major credit bureaus to remove these unauthorized fraudulent accounts. ( 1 ) XXXX XXXX XXXX {$17000.00}, {$16000.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$270.00} I'm demanding that these accounts be blocked from my credit report.
Consumer complaint received 2023-08-09
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. (GA)

I mailed my dispute letter because I have things on my credit is not mines due to identity theft. I have a police report and letter from equifax and XXXX XXXX stating that my information has been breached. My letter was mailed XX/XX/2023 with tracking number XXXX with usps. I also gave XXXX a call at XXXX XX/XX/2023 to discuss why I can not remove addresses I never lived at and accounts that I have on my report that I no nothing about. He stated that he will open an dispute. I have attached a copy of my dispute and yet I keep getting these canned responses from XXXX saying that my information has been verified but I have never received any information of how the accounts and addresses have been verified. This is causing me to be unable to obtain credit. I have attached communication from equifax and XXXX XXXX. 

These are the usps tracking numbers for disputes that have been improperly handled and never received a response in the past. 
XXXX - Equifax XXXX XXXX XXXX XXXX Department XXXX - XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX - XXXX XXXX XXXX XXXX XXXX Department XXXX - Equifax XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX Equifax XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX - XXXX XXXX XXXX XXXX XXXX Department
Consumer complaint received 2019-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Not sure who used me name but these 4 accounts been opened in my name without my consent and/ or authorization. I have no knowledge of these accounts and now I'm demanding the credit reporting agencies to remove them immediately. The accounts are, XXXX XXXX XXXX {$91.00}, {$78.00}, {$300.00}, and XXXX XXXX {$720.00}. Please remove the unauthorized accounts.