davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (FL)

THIS COMPANY IS ASSISTING IN FRAUD. sent company documents attached as a response The Company did send me a itemized letter that was not a VALID PROOF OF DEBT OF VALIDATION and VERIFICATION... .I was SENT A BILL WHICH IS NOT LAWFUL TO THE FCRA. THE COMPANY COMPLETELY LIED WITH FASLE STATEMENT OF MY ADDRESS NOT BEING DELIEVERABLE BECAUSE I HAVE A LETTER FROM COMPANY on XX/XX/2022 of a BILL NOT Wet ink Signature Proofing debt and I recieved a BILL that violates my HIPPA RIGHTS. I WANT REMOVED IMMEDIATELY OR LEGAL ACTIONS WILL BE TAKEN. CURRENTLY BECAUSE YOUR COMPANY CONTINUE TO REPORT FALSE DEBT WITHOUT PROOFING AUTHORIZATION OF DEBT ALONG WITH VIOLATING OF MY HIPPA PRIVACY RIGHTS, YOUR COMPANY IS CURRENTLY ASSISTING AND ABIDDING IN FRAUDULENT ACTIVITES AGAINST MY CHARACTER/ AND MY CREDIT REPORT AFTER PROOFING AND SENDING DOCS ATTACHED STATED VICTIM OF IDENTITY FRAUD WITH POLICE REPORT STILL COMPANY TRIES TO PROVE LAWFUL TO OBTAIN FALSE FRAUDULENT DEBT EVEN WHEN VIOLATING MY HIPPA RIGHTS AND NO PROOF OF WET SIGNATURE JUST BILL THAT ANYONE CAN DO FRAUD IN MY NAME TO GET.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent out letters every month since XXXX XXXXr about the same accounts that are listed on my credit report that shouldn't be listed. I have sent them all certified mail. All credit bureaus have ignored my request to simply investigate the accounts they have listed on my credit report inaccurately.
Consumer complaint received 2021-10-30
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. (NC)

I sent a letter to Experian on XXXX XXXX disputing the items on my credit. However, they have not been complying with my dispute request. It's been 30 days and I haven't heard back from them so I sent them a Demand to Comply on XXXX XXXX that told them my initial dispute.
Consumer complaint received 2022-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (TX)

DURING COVID MY XXXX XXXX BUSINESS TOOK A SLIGHT HIT. SO I APPLIED FOR A PPP LOAN THRU BBVA BANK. ALL WENT SMOOTH AND APPROVED AND FUNDED. THAT BEING SAID BBVA BANK GOT BOUGHT OUT BY PNC BANK DURING THAT TIME FRAME. WHILE HAVING MY PPP LOAN AT BBVA BANK THE LOAN OFFICER TOOK MY FORGIVENESS LOAN APP AND SAID NO WORRIES ALL TAKEN CARED. NOW WITH PNC BANK TOOK OWNERSHIP NOW THEY ARE TRYING TO COLLECT THE PPP LOAN THAT WAS FORGIVING WHEN IT WAS BBVA BANK. PNC BANK IS SAYING THE LOAN OFFICER IS NO LONGER HERE WHO TOOK THE LOAN FORGIVENESS AND SUPPOSEDLY HE DROP THE BALL AND NEVER SUBMITTED THE PAPERWORK. HOW IS THAT MY FAULT? 

I HAVE ATTACHED ALL THE DOCS I HAVE GOTTEN FROM BBVA AND PNC BANK
Consumer complaint received 2022-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (NY)

I received A letter in the mail from a lawyer offering services due to my having been sued. Now, I never received any communication from this company regarding an alleged debt. Not only that, But I was never served any papers whatsoever. 
In summary, this company has sued me without ever bothering to check with me the veracity of the claims. Additionally, they sued me and they never served me papers. 
here is the company name. 
First Portfolio ventures I LLC XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX
Consumer complaint received 2019-05-08
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)

Not mine. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Consumer complaint received 2022-12-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I have been a customer of Wells Fargo since XXXX and I have been a victim to a cyber attack. 

The morning of XX/XX/XXXX I logged into my Wells Fargo Account and noticed 4 unauthorized XXXX transfers totaling {$2100.00} The amounts and details listed for the XXXX activities were : {$500.00} to XXXX  XXXX, {$660.00} XXXX XXXXXXXX, {$500.00} to XXXX XXXX, {$490.00} to XXXX XXXX. I did not authorize these transactions and neither did my husband who is also an authorized user on this account. I immediately hopped on a call with Wells Fargo customer service and they canceled my old account and opened a new one. I was sent a new debit card and checks as a result of this happening. Initially it felt like Wells Fargo was working on canceling the XXXX transactions, to later learn that my claim was denied. 

I have since opened a case with my local Sheriff department and submitted a complaint with the FBI : XXXX XXXX XXXX XXXX. The letter I received as part of my case being closed was very vague and does not give any insight on what Wells Fargo did to investigate this issue. Our research shows that the transaction was made through a secure online banking session ... What was the research conducted? What is a secure online banking session? ... by you or someone you had your authority ... Apart from my husband and myself no one has the authority to make transactions on this account. Neither my husband nor myself has authorized these transactions ; as mentioned while opening the case, these transactions are fraudulent. ... no other processing errors occurred. How would processing errors affect the authenticity of the transactions? ... based on this information, we determined the transactions was authorized To reiterate, these transactions were not authorized. After I sent my physical letter ( everything that was written above ) to Wells Fargo they denied me once more, on a letter dated XX/XX/XXXX stating that someone who was authorized made the transaction.
Consumer complaint received 2024-03-29
Product: Credit 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: AMERICAN EXPRESS COMPANY (FL)

American Express National Bank is the sponsor of the card who issued me the credit card ; however, since then they have sold my account to American Express XXXX XXXX XXXX XXXX XXXX, and then again to American Express Credit Account XXXX XXXX. When American Express National Bank transferred/sold the account to American Express XXXX XXXX XXXX , they no longer have the authorization to collect on my accounts.

When American Express National Bank transferred my account to American Express XXXX, they securitized that account, turned it into a book entry
security and began to trade my securities on the secondary market without my knowledge. They are supposed to send me the interest on that account each month, but they have failed to do so. I mailed American Express, XXXX different book entry securities ( aka statements ), stamped and endorsed for them to take the funds and credit my account and they failed to do so. I have attached the XXXX securities that they did not credit to my account or return them to me, which is a theft of my security. I have given American Express at least XXXX chances to make this right, but they have refused to contact me to rectify this situation. I also sent correspondence to the Legal Department in reference to this issue, attaching pages of the forensic audit showing their fraud, and no one ever called me back.

American Express has committed theft of my securities, as well as securities fraud as they are trading my security on the secondary market even though they state in their Prospectus dated XX/XX/2018 ( b ) Security Interest, that they will not the securities on the secondary market, showing the breach of contract with the SEC and the securities fraud, since they are not reporting those earnings to the SEC.
Consumer complaint received 2022-05-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I refinanced my VA Loan which I had with Amerisave Mortgage corporation for my property at XXXX XXXX XXXX XXXX, XXXX FL XXXX. I refinanced this loan for two reasons 1 ) change to a conventional loan, and 2 ) needed the escrow to fix the roof in my property.

The closing date of the new refinance was on XX/XX/2022. The escrow amount in that loan Loan # : XXXX was {$9000.00} which was agreed in the closing documents to be send to me via wire transfer to my bank account. 

I did not receive the funds so I proceeded to call Amerisave, on the week of XX/XX/2022 to find out why the money had not been transferred. Amerisave mentioned that the reason it was not transferred was because it was issued on a check with the wrong address of XXXX XXXX XXXX, XXXX, XXXX, but that I should receive the money as the check had been issued in XXXX XX/XX/2022. I was not given a specific time. 

Upon not receiving the check I called back to inquire on XXXX occasions XXXX XXXX and XXXX XXXX. I was instructed to wait for 30 days before they could reissue the check with the correct address. I asked to wire my funds at my own expense and the company denied. 

On XXXX XXXX I called to inquire again. I was told that they are reissuing the check and I should receive in 30 days time. The reason they cancelled the original check was because I had moved addresses and they had placed a stop on the check. 

Today XXXX XXXX I called back, asking about the check and was told that the order to issue was issued on the XXXX of XXXX but the check could take more than 60 days to arrive. I was also told there is nothing I can do on the matter. I spoke with the supervisor and they instructed me that I could not place any complaints as they are not a lending agency but rather a Mortgage service company and I should address this issues with the VA as this was a VA loan. Again I offered to pay for the cost of a Wire transfer and was denied. 

My formal complaint is that its has been as of today XXXX XXXX a total of 91 days since I closed on my house, and the explanation given was that I would have to wait an additional 60 days before getting the escrow funds I have already paid ; this would be a total of 151 days since today to receive my funds. Additionally, during the closing of the deal it was agreed that all funds will be transferred via XXXX not check. Finally, despite the fact that I have called consecutively there is no response except wait by the company and there is a misrepresentation by management and staff that I can not complain to any government agency. 

Additionally, why was the check issued to XXXX XXXX XXXX, XXXX, MA, XXXX when every single document of the refinance was stipulated as XXXX XXXX XXXX XXXX, XXXX, XXXX, FL XXXX?
Consumer complaint received 2020-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (MA)

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I called Equifax because I noticed unauthorized inquiries on my report. I gave the rep a list of all of the inquiries that I had no recollection of applying for credit. I also informed the representative of the Fair Credit Reporting Act that requires all unverified and unauthorized items must be removed from my report. The rep told me that there was nothing he could do and that inquiries would be on my report for 2 years. 

XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX  XXXX. 
Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am working with a mortgage lender to apply for a new mortgage loan. When the lender pulled my credit score from Transunion, they disseminated this action and information to dozens if not hundreds of predatory third parties. I was already on the opt out list, and there is no way to reaffirm this opt out when the credit is pulled. The next business day I received 47 unsolicited sales calls during business hours while at work. Several of these individuals became hostile when i told them I was not interested and asked them not to call back. 

47 calls over 7 hours is nothing short of harassment and i have no idea how its not illegal. Pulling my credit is a necessary, unavoidable step in the mortgage process. To have my credit score held hostage by a defacto agreement to phone harassment is criminal. 

Further, the majority of these callers were not actual lenders but third parties who would then shop my information and subject me to more calls. They are not beneficial services as transunion claims, but predatory companies calling from spoofed numbers who rely on consumers being confused and overwhelmed.
Consumer complaint received 2021-10-29
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

I have this car company on my vehicle that i'm not aware of my identity was stolen early part of this year and has been being used. i recently learned how to lock my credit i have no knowledge of this account, i didn't even have my driver license at that time!!
Consumer complaint received 2022-05-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Galaxy Capital Acquisitions, LLC (GA)

Galaxy International Purchasing , LLC is not my creditor and I never engaged in any creditor relationship with this company by contractual agreement, to hold or enforce security interest to collect on a debt against me. 

Galaxy International Purchasing , LLC has failed to verify any debt owed by me to them as my creditor or XXXX XXXX XXXX XXXX  ( XXXX XXXX ) as the original creditor for the account ending in XXXX and the balance amount owed of {$1600.00} or any previously updated balances. 

As of XX/XX/2021, the balance is {$0.00} for XXXX XXXX XXXX XXXX ( XXXX XXXX ), the entire matter was written off upon a dispute of inaccurate, incorrect, false, and erroneous information. There is no balance owed by me to XXXX XXXX XXXX XXXX ( XXXX XXXX ), wherefore Galaxy International Purchasing , LLC is seeking to collect on a XXXX balance. 

Galaxy International Purchasing , LLC has failed to verify any debt transfer from XXXX XXXX XXXX XXXX  ( XXXX XXXX ) as the original creditor for the account ending in XXXX and a balance owed by me to enforce debt collections against me as a holder in due course. 

Galaxy International Purchasing , LLC has failed to verify a balance is owed by me to XXXX XXXX XXXX XXXX ( XXXX XXXX ) as the original creditor. That was transferred from XXXX XXXX XXXX XXXX ( XXXX XXXX ) to Galaxy International Purchasing , LLC. 

Galaxy International Purchasing , LLC has retained several debt collection companies to assist them in unlawful debt collection practices and fraudulent violations.
Consumer complaint received 2022-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (NJ)

US bank closed my XXXX XXXX credit card with no reason given whatsoever. There was XXXX points on the account 's reward balance that I was denied access to. When I called the customer service, they were of no help at all, they kept telling me to call back at a different number and different time.
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (PA)

In accordance With the fair credit reporting act XXXX  account # 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
Consumer complaint received 2019-05-08
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. (FL)

On XX/XX/XXXX I discovered XXXX XXXX XXXX # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification or validation of this debt after disputing it. Please delete this item immediately for its a violation under the FCRA. ( See attached documents proving that the debt was deleted after disputing ).
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the r
eporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account Number : 9866 Delete this account.

2. there is some inaccurate information reporting.

CAPITAL ONE Account Number : 51780577 Delete this account.

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy CREDITACPT Account Number : 10279 Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy CREDITACPT Account Number : 10279 Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 CREDIT COLL Account Number : 2240 Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 1692E FALSE OR MISLEADING XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have sent out certified letters to all 3 credit bureaus stating to them my concern for the accounts that they have reporting on my credit report. They have failed to respond to any of the letters I have mailed out to them. I have given them 6 months to respond but they are failing to acknowledge anything that I have sent to them. The accounts that are reporting are inaccurate and do not belong to me. This alone has hindered my life and has stopped my ability to move forward with what I need in life.
Consumer complaint received 2023-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Unauthorized activity identified in my credit report with XXXX XXXX on XX/XX/2023. I called them to request they remove the hard inquiry from my report and the application submitted was not from me. 
XXXX XXXX assured XXXX XXXX would report tge incident and have tge hard inquiry removed.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

XXXX XXXX XXXX XXXX , Santander Consumer USA and XXXX XXXX XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.