davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # : XXXX ; XXXX, Account # : XXXX ; XXXX XXXX XXXX Account # : XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account : 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 a account without my written instructions
Consumer complaint received 2020-11-09
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 {$8500.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (FL)

DCM Services , LLC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX DCM Services calls and sends letters to me concerning " The Estate of XXXX XXXX '', I have told them many times I have no knowledge of this estate. 
I ve asked them to please stop calling me at work. They claim it's a private issue and can not discuss it with anyone. 
I want them to stop calling and sending letters to my mail box.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (MI)

On XX/XX/2023 I used my bill pay option to pay my credit card payment and today XX/XX/2023 the payment still have not reached my credit card company. The financial company ( Chime or XXXX XXXX  ) states the payment is has been processed, however they will not give me any paper work stating it was paid. I received a late fee from my credit card company XXXX which they said the payment never reached them. I have called Chime support 5 times and I have emailed the support team over 5 times. They are giving me the run around and this is just not fair at all. I need something or be done about this matter. I had to pay my debit {$80.00} yesterday just to get my credit back in good standing. In the mean time my bill check for {$150.00} never reached XXXX. I dont know what else to do in this matter.
Consumer complaint received 2020-11-09
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Equifax has persistently listed incorrect information in the credit report. 
1. They list 6 addresses for me when I have had only 3 residences in the last 20 years. Two of the addresses listed are former office addresses for businesses I owned over 18 years ago. One of the other addresses is inaccurate - a typo of a legitimate address. Several of the addresses are erroneously listed as current and the dates for all are incorrect. This has become a problem because it is at odds with rental history information I provide to potential landlords and credit sources. My residential addresses must be corrected. 

2. In XX/XX/2018 I reported an unrecognized purchase using my bank debit card to my bank. Equifax has placed a seven year fraud alert on my credit report, where none is needed. That bank card was cancelled by the bank immediately. The fraud alert was recently reported to a landlord reporting service as though I was the fraud perpetrator rather than the victim! The fraud alert should be removed.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Berlin-Wheeler, Inc. (Kansas) (LA)

My name is XXXX XXXX a federally protected consumer, and Iam making this complaint against Berlin Wheeler INC for committing identity theft. I have never given Berlin Wheeler any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam legally refusing to pay this debt Pursuant to 1692c ( c ). Iam demanding you Cease and Desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Berlin Wheeler INC can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, can not be produce and Berlin Wheeler INC continues its collection efforts, I will file for litigation for actual damages caused and Berlin Wheeler INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. And by the way do you have a sign Authorization form SSA - 89 about my Social security number. Please tell you have on file I need to see that. And look here upon the receipt of the documents herein and of this Notice, you are here by Notified Pursuant UCC - 1 - 202f. Your prompt Attention and Response are both Requested and Required. Account # - XXXX
Consumer complaint received 2020-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: U.S. BANCORP (PA)

I got approved of Pennsylvania regular unemployment benefits due to my unemployment which was to be paid by US BANK RELIA CARD, despite the arrival of my card i cant acccess fund in my relia card account or send out to my personal account after submitting necessary verifications requested by US BANK to enable me access my unemployment funds which i have been calling back and forth for 2 months, PLZ Im a single dad with a XXXX XXXX XXXX. Every time I call I ask the rep that answers how they would survive without $ $ for a month.
Consumer complaint received 2020-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 I opened an checking account online with chase bank. That same day I scheduled a transfer of XXXX dollars to be deposited into the chase account. The deposit was from my XXXX  XXXX XXXX XXXX debit card. I tried to login later that day to check the status. It said my account was locked and I needed to call chase. I called and they said they were closing the account because they couldn't verify who I was. I asked them well what about the XXXX im having deposited into the account. They said any deposit will be rejected and returned. So I call XXXX XXXX XXXX and tell them what happened they said it could take 7-10 business to be rejected and funded back to my account. So I call back 10 days later and they say that the deposit was accepted by chase. So I call chase and after getting put on hold and hung up on twice. They say that a check was mailed to me for the amount of the deposit. I wait another week still no check. So I call back and get hung up on a few more times then someone tells me you must come into a branch with id to get your money. I said I cant im under quarantine and im in another state. He said well im sorry but there's nothing I can do. At the time chase was offering a promotion of a bonus XXXX dollars for anyone opening a new account and receiving a direct deposit within first 30 days. I feel this is the reason they did this to me was to not have to pay the bonus XXXX. 
1 ) So they allowed me to open a checking account online then once they seen a direct deposit coming into my account they closed it. 

2 ) They lied to me and told me no deposits would be accepted and that any attempted deposit would be rejected and sent back.

3 ) They lied to me again saying that they mailed me a check for the amount of the deposit.

Finally after lying to me multiple times and being rude and hanging up the phone on me they say I have to come into a branch. This was after I had told them I was under quarantine in another state that doesnt have chase.

Please help however possible. Chase Bank is a dishonest company. They stole XXXX dollars from a taxpayers citizen during the middle of a global pandemic. They should be ashamed and hopefully they pay for there actions. Im sure im not the only one they did this to and it is terribly wrong of them. 

Thank you for your time and I hope this gets to the right people so I can get my money and Chase Bank can be held accountable for its unprofessional and illegal conduct.
Consumer complaint received 2022-01-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (IL)

I have a fraud alert on my account and the following inquiries was not cleared by myself but inquiries continue exist on my credit reports. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove all these inquiries from my credit reports
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc (NC)

in accordance with the fair credit reporting act XXXX  Account XXXX XXXXharley davidson , XXXX XXXX XXXX has violated my rights 15usc 1681 section 602 sates i have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consomer reporting agency can not furnish a account without my written instructions 15 USC 1666b A credito 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 2020-11-09
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00} {$8500.00}, {$0.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (WA)

This complaint pertains to both a new Checking and Savings account with US Bank. The mailer prominently displayed " Get {$800.00} '' I responded to a mailed advertisement for a {$400.00} checking and {$400.00} savings new account promotion. The promo code was XXXX. 

I called US Bank as instructed on the document to open the correct product accounts. The customer service rep helped me open both Checking and Savings account and recited the promo code back to me to confirm. 

I met ALL stated terms on the promotion including dates, direct deposits, and minimum balances. The date by which the promotion amount should have been deposited passed with no bonuses deposited. 

I emailed customer service via email and had several exchanges. The rep helping me, XXXX XXXX, was very friendly and attempted to resolve the situation. 

Ultimately they confirmed I met all criteria, but that the code was entered incorrectly ( again, must have been by the telephone rep since it was over the phone ) and they attempted to but could not enter it correctly since the date of the promo had passed. 

Response : " I noticed the incorrect code was added to the account when it was opened so I submitted a request to have the correct promotional codes added to your accounts. It should take 2 business days to complete. '' Several exchanges later, the email rep apologized and said there was nothing they could do. 

Response : " I heard from our back office about the bonus again. They weren't able to add the bonus because the promotion is expired. I'm so sorry for any disappointment. ''
Consumer complaint received 2020-11-09
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. (LA)

I have spoke to XXXX, Equifax and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. I work extremely hard and in need of a new vehicle to get to and from work. This is really impacting my credit score and personal life.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I do not have a signed contract nor any contract with Portfolio Recovery. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

There are issues with several claims that were filed last year and still not resolved. 
The last claim XXXX for Purchase Protection was opened in XX/XX/XXXX and I have submitted all requested documents several times but they keep closing the claim for not receiving documents ( I do have proof that those documents were sent to them and they were received by thme ). 
I last submitted documents in XX/XX/XXXX, they acknowledge the receipt of documents along with a signed document by a repair company that was required by Amex XXXX.

Last week, I received a notice from Amex XXXX that they were not able to verify the repair estimate and would noy pay the claim. 

In XX/XX/XXXX, I also filed a theft claim for a laptop BUT I have not idea what they have done to the claims. I never received the claim payment. 

In XXXX, I filed a claim for receiving all merchandize and what was received were damaged. We went back and forth several times and I had to re-open claim more than once but never received the claim payment as Amex XXXX  have a habit of closing claims without payments and any valid reason.
Consumer complaint received 2020-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Selip & Stylianou, LLP (NJ)

hi, my name is XXXX XXXX I dont know if you could help me. About 10 years ago I was sued by XXXX credit card. They got a judgment against me they were taking money out of my paycheck when I worked at XXXX home improvement back in XXXX what I was always told was that the debt was canceled by XXXX. Today I got a letter from a lawyer that theyre coming after me for a judgment from XXXX  that happened in XXXX. I called XXXX and I dont owe them anything anymore. I did a canceled date on my taxes back in between XXXX to XXXX. I can get my taxes for that time did I cancel that. I spoke to XXXX  and I was told I dont know anything it was canceled. And XXXX would I open up a new credit card we discovered in XXXX
Consumer complaint received 2019-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

The 1st mortgage company ( Shell point Mortgage ) denied 2 contracts placed on the property requesting more money. When the last bid was sent in on property the 2nd mortgage ( XXXX XXXX ) refused and is now requesting more money, this process has been ongoing for 7 months now. I don't want to go into foreclosure but at this point I am getting so stressed out that I just want the process over and done. 
If you turn down 2 offers, second investor know the property is on the market for twice its value, knowing that it needs a outrageous amount of work done on structurally on fountain. 
Not only did XXXX refuse to grant the original offer But they decided to increase the asking amount at the table to {$34000.00}. To be paid by me at the day of closing which is outrageous.
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.