davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically per 15 USC 1602. I hereby opt-out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I, the consumer, may have given to your agency. 
Consumer Information : Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Opt-Out Request : I am formally requesting that any and all credit reporting agencies cease any and all use of my consumer information for the purposes of credit reporting or any other related activities. This includes, but is not limited to, the collection, dissemination, and use of my credit information. 
Authorization Revoke : I am revoking any previous authorizations, whether written or verbal, that may exist in connection with my consumer information. This revocation is in accordance with the rights granted to me under 15 USC 1602 of the FCRA. 
Acknowledgment Request : Please provide written acknowledgment of the receipt of this opt-out request, including the date on which it becomes effective. 
Contact Information : For any further correspondence related to this matter, please contact me at the following : XXXX I appreciate your prompt attention to this request and expect that my consumer rights under the FCRA will be fully respected.
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MS)

After applying for a credit card with JPMorgan Chase, Chase decided to shut down all of my personal and business credit cards without notice. When I finally logged into my account, I saw that all of my credit cards were closed. I had been a customer with Chase for over 10 years now. I immediately called to ask why this had happened. I spoke with two customer service representatives and they both informed me that the reason was " I had opened too many credit cards in the past year. '' After explaining to them that I needed them to go on an oversees trip back home to XXXX, neither the customer service representatives budged on the issue and said that the shutdown was final. They mentioned that I was considered a " risk '' for defaulting with such a high credit limit even though I have a XXXX FICO credit score and have never missed a payment in my life. I eventually was able to convince one of the representatives to file a motion to reconsider. I was told I'd be notified via mail in 10 business days. Nothing happened and my account was not reinstated. I have attempted to try all reasonable avenues to resolve my problem and it seems that I'm at my wits end so the only recourse is the CFPB
Consumer complaint received 2018-04-20
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. (CA)

Hello I have been for the past 3-4 months have been disputing inaccurate information on my credit report with XXXX, XXXX, Equifax. I have sent in several letters asking to please properly validate these inaccurate negative items on my report. XXXX, XXXX, Equifaxhas FAILED to do so. I feel as if XXXX, XXXX, Equifax is conspiring with these collection agencies to defame my name! It's been MONTHS and nothing has changed. I have consulted with an attorney and before I retain his services I would FIRST like to see if XXXX, XXXX, Equifax and I can resolve this issue without having to see a courtroom. I will await XXXX, XXXX, Equifax response before I disclose any of my personal information.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CT)

According to a XXXX XXXX  with Wells Fargo, the below complaint contains no new evidence which I believe to be incorrect., his reply refers back to prior Wells Fargo reps replies which do not contain any new evidence... Please note, this rep request more time to reply than the normal 30 days period, unable to produce any new evidence, he simply refers back to prior CFPB replies... Please see complaint below.. 
I've requested the attached 1099 form showing a reported amount of {$5100.00} updated to show no such amount received, Wells Fargo replied by referring me to a tax professional. The tax professional as well as IRS reps advised the 1099 form needs to be corrected to show no such amount received. The amount, {$5100.00}, was sent to my old address, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, after I moved. The check was intercepted, signature forged, cashed at a XXXX. XXXX will not release funds as there are no funds in account which is now closed. Wells Fargo will not reissue payment, despite their error in sending to old address after moving and not verifying address.. Further, they will not correct 1099 form to show no amount received...
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX VA XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX  XXXX : XXXX Date Filed XXXX. XXXX, 2018 Reference Number XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance {$15000.00}.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX BANK Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-06-13
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: Avant Holding Company, Inc. (CA)

on XX/XX/XXXX i found charges on my avant credit card and reported them immediately and shut down the card. on XX/XX/XXXX found 2 more charges and called again to report the fraud. i have called a total of 12 times and each phone call is documented. avant refered me to shelbi in the fraud division last month, the charges on my account are XXXX XXXX- {$12.00} XX/XX/XXXX XXXX XXXX {$20.00} XXXX XXXX XXXX- {$20.00} XXXX XXXX {$20.00} XXXX XXXX XXXX- {$53.00} XXXX XXXX XXXX XXXXp- {$16.00} XXXX XXXX XXXX {$23.00} XXXXXXXX XXXX XXXX XXXX {$16.00} XXXX XXXX XXXX  {$35.00} XXXX XXXX XXXX {$21.00} i have no knowledge of the charges and now because no one will help me my credit score has decreased due to avant reporting I am over my limit and not doing their job. i'm XXXX and on a very fixed income and shelbi in the fraud division keeps telling me via email ( because she has not answered any of the 6 times i called nor has she tried to call me back and i have my call log from my phone company to prove and will give if needed ) that the charges that I am saying are not mine she can not find. can you please help me
Consumer complaint received 2022-06-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  the following accounts violated my rights : XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  # XXXX 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 2024-02-28
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. (NC)

I recently reviewed my TransUnion and XXXX credit report and I noticed there were inquiries and a account that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report
Consumer complaint received 2023-03-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (OR)

I missed a payment on my joint loan with my grandfather and it was illegally repossessed during the time that Wells Fargo was illegally performing repossessions on vehicles that should have never received that treatment in 2022, they repoed my vehicle without telling me, the XXXX, and my grandfather making it seem like my vehicle was just stolen, they also never returned my stuff that was left after the vehicle was sold.
Consumer complaint received 2019-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

We are in the XXXX of Florida that was recently hit by Hurricane Michael. After the storm hit we received insurance checks to begin repairs on our home only to find out that XXXX XXXX XXXX had sold our Mortgage to a place called Flagstar. We had it set up to defer payments for 3 months and it would go toward the end of the principal of our mortgage. XXXX XXXX XXXX did not transfer this information over to Flagstar who is stating they will not honor the 3 month deferment and are trying to make us pay double house payments for the next 3 months. We finally were able to have them send us loss mitigation paperwork and have had to send it multiple times as they have lost it, added things that they needed etc. Here we are over 5 months later and we still have yet to begin work on our home all the while Flagstar holds our insurance money. We have submitted a request for the only work done which was a fence to be put up and we had to send that 5 times to them. I finally found out today they have just cut a check when the fence work has been completed. We have also sent over to release fund to begin putting on a roof and this has been the second time in which we have had to do this and they say now they have added things they need and I let them know it is not on their checklist and they acknowledged that I was correct. As we sit in a mess of debris and what is left of our home we have worked so hard to obtain with our son our frustrations are growing. Flagstar is collecting interest on the money that is for our repairs and we can't hardly even get the money. I can only imagine what it is going to be like when they begin tearing out ceilings, flooring and walls. This has been the most upsetting thing I have ever had to face and this company is truly a joke.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX, I have received a notice to appear in XXXX XXXX. The plaintiff, Midland Credit Management Inc has accused me for a credit card debt of {$1400.00} and I don't know anything about that credit card. 
On XX/XX/XXXX, my wallet with all my personal information such as FL ID, Work Permit and Credit Card was lost on my way going home from work on XXXX XXXX XXXX. I have reported the incident to XXXX XXXX XXXX and a police report was issued to me. 
After the Courts hearing, I have emailed the Police Report to the plaintiff and I have been instructed to to report the case to Federal Trade Commission.
Consumer complaint received 2019-03-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i sent a letter to XXXX dated XX/XX/ 2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying {$400.00} was written off. This is false ive sent them multiple letters no response.
Consumer complaint received 2023-03-23
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: TrueAccord Corp. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violented my rights. 
15 USC 1681 Section 602 State I have the right to privacy.

15 USC 681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I, the consumer and natural person, was denied credit by Bank Of America when I applied for a auto loan in the amount of {$30000.00} on XXXX XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Bank Of America is in violation of 15 U.S. Code 1642, U.S. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have I sent out multiple request for the following accounts to be reviewed or removed from my credit report due to no response from the creditors : XXXX XX/XX/2021 AND XX/XX/2021 ( NO RESPONSE ) XXXX XXXX  XX/XX/2021 AND XX/XX/2021 XXXX XXXX XX/XX/2021 AND XX/XX/2021
Consumer complaint received 2022-06-13
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. (GA)

I have no idea who CAINE & WEINER is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CAINE & WEINER is indicating that an account with the account number XXXX was opened with their company on XX/XX/2022. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from CAINE & WEINER via certified mail XXXX # and the company has ignored my request. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CAINE & WEINER as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ CAINE & WEINER } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the XXXX XXXX XXXX XXXX XXXX CAINE & WEINER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

XXXX. Provide the XXXX XXXX XXXX. 


Violation ( s ) : Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

Failure to provide an Opt Out Notice.

Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2022-06-13
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. (GA)

THEY WILL NOT REMOVE AN ACCOUNT THAT DOES NOT BELONG TO ME. IT WAS REMOVED AND THEY ADDED IT BACK TO MY CREDIT REPORT. I DEMAND THIS ACCOUNT GETS REMOVED FROM MY CREDIT REPORT IMMEDIATELY OR I WILL MOVE FORWARD WITH FILING A LAWSUIT.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (LA)

This is XXXX XXXX submitting this complaint myself and to inform you that there is no third party involved in the process. Im now submitting this complaint today to inform you as well as the Credit Bureaus that I was a victim of identity theft. I have researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$6300.00} XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX XXXXXXXX Balance : {$63.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.