davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX my car was broken into and my check book was stolen. On XX/XX/XXXX I was in a car accident where I was rear ended in traffic which resulted in a significant concussion which I am still dealing with the effects of. On XX/XX/XXXX, XXXX XXXX filled out check # XXXX from my checkbook for {$220.00}, forging my signature. XXXX total checks were filled out and deposited into back accounts at XXXX XXXX the dates, check numbers and amounts are : XX/XX/XXXX - XXXX - {$320.00}, XX/XX/XXXX - XXXX - {$420.00}, XX/XX/XXXX - XXXX - {$520.00}, XX/XX/XXXX - XXXX - {$200.00}, XX/XX/XXXX - XXXX - {$300.00}, XX/XX/XXXX - XXXX - {$400.00}, XX/XX/XXXX - XXXX - {$400.00}, XX/XX/XXXX - XXXX - {$570.00}. During this time frame I was under a doctors care, off from work, not allowed to look at screens ( I get paperless statements ). XX/XX/XXXX - While looking back through my account for a specific transaction I noticed several check numbers. I discovered XXXX total. I called Chase and made the initial claim. When I did discover the fraud XX/XX/XXXX - I updated my police report with XXXX Police. Closed my account with Chase and opened a new one. They said that my new debit card would be at my house in about a week. XX/XX/XXXX - I called Chase for an update. They said that it was still ongoing. 
XX/XX/XXXX - I arrived home and there was no new debit card. XX/XX/XXXX - I called Chase for an update on my claim and they said it was ongoing. I asked about my debit card and was told that a new one was never sent out. I called XXXX Police and later that day a detective reached out. XX/XX/XXXX - I emailed the detective the pictures of the fraudulent checks. XX/XX/XXXX - I received an email saying that my claim was denied because the the time frame from the fraud to when I discovered and reported it was too long as stated in the " Deposit Account Agreement '', however the agreement states, " You must notify us in writing of any unauthorized, improper or missing endorsements within six months after the account statement is mailed or made available. '' Which I did. Check fraud over {$2000.00} is a Class 6 Felony in Colorado, where I live and I was a victim of a crime that also happened when I was suffering from another hardship. The XXXX Police Department is also doing a horrible job at investigating this. I have pictures of the checks because they were mobile deposits and I was able to see them on my account and print out copies. I can provide those if needed.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$560.00} XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX  Balance : {$2600.00} XXXX XXXX  Balance : {$83.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$8600.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 0XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (MN)

I began receiving phone calls from this phone number ( XXXX ) XXXX - looked it up on line ; XXXX XXXX XXXX - XXXX XXXX. My Credit is wit showing no debts owed via all XXXX credit reporting agencies. I have voice mail - there are no voice mails left. Just persistant calls at XXXX AM. 

XXXX has helped me in the past with eroneous claims of my having vehicles- which I have none. I do have a person that was using my address and has never lived here before ; and this person has used my address for Minnesota Vehicle License and Title. I contacted the XXXX with emails - they validated that this person uses this address, and I am not on any vehicle title or license. This person also using my address has a vehicle loan using this name- the loan originator was contacted as well on this anomoly. 

The call # is validated with XXXX- no spoof call. I doubt they are reaching out to tell me they have money to give to me. If this company can stop contacting me- it would be greatly appreciated. Looking this phone # up - there has been no communication via any correspondence - and these calls stated XX/XX/XXXX and XXXX of XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

AN ENORMOUS AMOUNT OF PROBLEMS seems - to have started when something went wrong with XXXX account at Wells Fargo! 

It was a Checking Accnt. I was using that account to make automatic payments to a lot of Credit Card Companies. 


When something went wrong with that checking account at Wells Fargo- it caused things to go wrong with payments to Credit Card Companies! 


Then - that caused Credit Card Companies to start sending false info to my files at Credit Bureaus! 

Then - that caused those Credit Bureaus to send false info about me to a lot more Companies! 

Maybe all over XXXX XXXX? 

How many Companies??? 

Strange thing- if something goes wrong with XXXX account - if it is a checking account- it can spread a lot of problems to a lot of companies! 

I will file a more detailed complaint when I have more time & more energy! 

When I have better health!
Consumer complaint received 2020-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TN)

{$170.00} Caine Weiner {$110.00} Caine Weiner ( Identity theft accounts ) I called your company on XX/XX/2020 I contacted your company certified mail, I provided documentation of the XXXX  breach and asked for your company to remove this account from my credit file as soon as possible. I also asked for you to provide me with legal debt validation ( Proper paperwork showing how this account was added in my name, documentation with my signature, along with proof that your company is legally allowed to collect this debt from me. As of XX/XX/2020, I have yet to receive any response from your company. 

This is my second attempt to correct this error, your company is fraudulently reporting information to my credit report that legally should not be listed on my credit report or in my name at all. Please remove this account from my credit report as soon as possible, it is impossible for me to owe you any monies, you have also violated ( Section 609 Of the Fair Credit Reporting Act ) by not responding to my debt validation request which is illegal. I really hope this matter can be resolved quickly. 

If this information is not removed from my credit file, I will move forward to a judge in my area to bring this account into small claims court for this fraudulent account being placed on my credit file.
Consumer complaint received 2016-02-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC (WA)

I 've been contacted multiple times from Pinnacle credit in regards to a credit card that was opened in my name from identity theft. This debt was owed to XXXX XXXX XXXX and XXXX cancelled the debt once they contacted me about it and I provided them the copy of the police report showing the identity theft. Now, 10 years later, Pinnacle contacted me multiple times and attempted to coerce me into paying it, stated that they would accept partial payment and asked me to verify that the debt was mine. Multiple times I advised them that I do not owe the debt, that it was due to identity theft and had been written off. I even sent them a copy of the police report to show that and they continued to contact me. Finally they contacted my wife by phone and told me and my wife both that if we did not pay it that they would be taking legal action against me. Again, this debt is 10 years old, outside of the statute of limitations and was already written off as identity theft. I asked them what legal action they were talking about and they stated that they could sue me at any time unless I agreed to a payment plan with them. I advised them again that I would not communicate with them any further and that if they continued to contact me again that I would be filing every complaint possible against them including to the FTC and state authorities. Now I have received in the mail a XXXX cancellation of debt form stating that Pinnacle has discharged the debt for the amount of {$7500.00} and that I am responsible for paying taxes on that amount. This is in line with the FTC complaint referenced here : XXXXs
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

I once owned a timeshare with XXXX XXXX in XXXX Florida, due to COVID I explained I could not afford the property. They provided me with a lu-dod program which is paper work with my personal info agreeing to give back the property with the payment giving of XXXX $ I paid received the paperwork and I notarized the paperwork they received and dismissed the paperwork because the notary did stamp was above the signature line. Then they put a late payment on my credit report. Then they emailed it again I did the same notary and sent it again, its been 2 months since original date they received the lu dod paperwork XX/XX/2021. They are violating my consumer rights, and false late payments on my credit, 15USC 1681 under the exclusion section ( 2 ) A ( I ) I need this off of my credit as soon as possible please.
Consumer complaint received 2021-05-13
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. (CA)

There are 6 accounts and 1 inquiry on my credit report that do not belong to me I have not signed used or received any goods or services from these accounts they look foreign to me I need these off my credit report since I have been disputing these since XX/XX/XXXX I am sick and tired of filling out forms and ftc and identity theft reports for these I need help please these items are not mine in any way shape or form!!! 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX - XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2019-08-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC (GA)

Well when were staying in XXXX MO. I took out a title loan to help me pay bills, and I feel that the company Mid America title loan was taken advantage of those who are struggling to pay bills. They have a high interest rate of 680 % which means that they were getting triple the amount of the loan that you applied for and I figured that it was wrong at the time and i needed someone to really look into it to see why the interest rate is so high and had those that are poor and barely making it paying a high interest rate in order to get the car title back. XXXX
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit report shows XXXX inquiries made in the last 120 days. These are inquiries I did not approve. The companies are listed on my report as XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX XXXXn XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX  on XX/XX/XXXX, PXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX card on XX/XX/XXXX. I also had a credit card with XXXX opened with my social security number but incorrect name and address in XX/XX/XXXX. I was able to contact that company and file a fraud claim with them.
Consumer complaint received 2022-01-22
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. (IL)

I have previously disputed with XXXX XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OH)

Notice for Proof of Claim Account : NATIONAL CREDIT ADJUSTERS # XXXX To Whom it may concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Do to the pandemic/ COVID, I deferred 6 payments. But they show up late on my report. 15 USC 1681 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 payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-05-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (MD)

In early XXXX suntrust bank repossessed the truck when the payment was not behind. I lost work and filed complaint then but all i got was excuses. Then in XXXX I was informed by Suntrust that the loan was charged off on XX/XX/XXXX yet they accepted a payment on XX/XX/XXXX. I then made a XXXX payment to Suntrust and I was then informed they did not accept it nor did they send me notification that it was charged off. I then continued to make the payment in fear of having the truck repossessed AGAIN like they did when a payment was not yet due. Four complaints to your office in five years and nothing have you did. I spent four thosand dollars last year with tires a new front end brand new computer and bought a new engine waiting to go in the truck. But no title because of weak goverment AND A GREEDY BANK.
Consumer complaint received 2021-05-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have written several letters since XX/XX/2020 and there has been no acknowledgement of the dispute process even beginning. I recently puulled my report and discovered a few inaccurate misleading items. I was also made aware in the process that my information was compromised in the Equifax data breach. Now more than ever I am convinced my information has fallen into the wrong hands. I have made several attempts to resolve this matter. Litigation is my next attempt to get these erroneous item removed from my report.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (OH)

I called Macys Executive Office-on XX/XX/XXXX about a Macys.com purchase. I was told called would be returned same day. Its XX/XX/XXXX XXXX XXXX. no one has reached out. I drove 30-40 miles to a Macys to make returns. Only to learn the value was {$0.00} incorrectly enter by. Customer service but had charged me for the item.Rather than wait for a return label be sent I tried to exchange wouldnt do. I had gone to the store because I was told this item was sold at local Macys that was not true. I returned shoes and didnt receive full credit my paper {$10.00} card for rewards I used was not given but its showing on my return receipt but I dont have. They need to see if it has been used. If so it wasnt by me. 
The item I want to exchange I am asking for the sale price. When I originally tried to exchange the item was on sale but is no longer. I tried to get help from Macys executives office without taking this step. Sorry Order # XXXX