davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (GA)

My joint accounts were locked with no notice or reason by the bank. This created non payment of time sensitive bills. I was given no notice by the bank and am not able to access my money. However, the bank still allowed auto bill payment to them for mortgages they hold. They allowed XXXX  loan payments, checks to companies that have performed work for us, and credit card payments to go unpaid with no notice they were going to lock our accounts. This will cause monetary damages to us in the form of fees and increased interest rates over long term loans, potentially amounting to XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2018-12-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Blue Global Media, Inc. (NC)

I needed some emergency money to pay off bills and I was sent a email regarding a loan offer and I reply and weve been communicating through email, phone, and text and It got suspicious when they said they would send me the money and I would need to send it back and I researched and found out they a scam and I havent returned the money and changed my mobile password, and blocked them what should I do? I dont want to be a victim and I didnt know till after I got approved call me if need be XXXX or email XXXX XXXX
Consumer complaint received 2018-12-22
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple credit cards and not paid. These accounts all are not mine.Capital one has not resolved the issues yet
Consumer complaint received 2018-12-22
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: EQUIFAX, INC. (GA)

I filed for Bankruptcy XX/XX/2018 and went on to all three credit bureaus to make sure debts were showing such and if they didnt I disputed them and asked the bureaus to please update or delete the account. All creditors were notified by the US Bankruptcy court XXXX and XXXX did their part and either updated or deleted where Equifax has given me the hardest time getting this one account of my credit report and I disputed it three times since doing the bankruptcy as the confirmed the account that has be included in the bankruptcy and I told the creditor and Equifax on numerous times they are violating the us bankruptcy act but not updating the account to show XXXX balance and included in bankruptcy along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Colorado XXXX-XXXX  on account # XXXX original creditor American Physicians who already had taken their file off my three reports but this collection agency refuses even after numerous calls to them. Equifax is all refusing and aftr three disputes and I saying that I was filing a Dispute with your agency they want my ID and social security card to make things more hard on me. After completing the last investigation and threats of me filing this dispute items that were removed where put back on my credit file which were included in bankruptcy tonight the added then back down to drop my credit score 128 points in retaliation knowing they were included in bankruptcy under XXXX XXXX. They violating Fair credit reporting act and should be held accountable
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (MS)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-09-23
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. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies. 

COVID-19 should not be a valid excuse for this!
Consumer complaint received 2018-12-22
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: Experian Information Solutions Inc. (GA)

I have been sending letters to Experian for months now and I have repeated myself over and over again. I am extremely concerned about the actions Experian is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX-XXXX-XX/XX/XXXX-VER-XX/XX/XXXX
Consumer complaint received 2018-12-22
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 — Their investigation did not fix an error on your report
Company: Diversified Consultants, Inc. (CA)

XXXX has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-22
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 — Their investigation did not fix an error on your report
Company: Waypoint Resource Group, LLC (CA)

XXXX  has been non-compliant with removing the unverified account WAYRESGRP Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that WAYRESGRP was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I called NewRez to recast my mortage on XX/XX/XXXX. They debited {$250.00} from my account for the fee and said I would receive a letter to sign and return, and that the recast would take affect in XXXX. 

I never received any document. 

I called them on XX/XX/17 to find out what had happened. I was put on hold for XXXX minutes. At the end I was told that they had sent the document and I magically hadn't received it, despite them for some reason sending XXXX statements per month about my due date. 

I asked the operator to be emailed the form immediately, and was put on hold another XXXX minutes. At the end of this I was told that their " email system was down '' and that I could call back in XXXX hours. I told her that this was unacceptable and asked to speak to a supervisor. After being on hold another XXXX minutes, the supervisor joined and reiterated that the " email system was down ''. 

I told her to send me the form in the morning and that I would be submitting a complaint with the CFPB.
Consumer complaint received 2019-04-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (GA)

Car was sold to me as new when in fact was damaged when delivery to lot car had numerous problems ( do have supported documentation ) they would not allow me to trade down I had car inspected by ga dot inspector he failed the car the car was given up in 2015 and they refused to help
Consumer complaint received 2018-12-22
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. (FL)

On XX/XX/XXXX I tried disputing the following unauthorized inquiries with Trans Union. Trans Union would not let me dispute these unauthorized inquiries online or over the phone. These inquiries are not mine. So I am asking Trans Union to do a full investigation of these unauthorized inquiries on my Trans Union credit report. If these unauthorized inquiries can not be verified. I'm asking for these unauthorized inquiries to be deleted. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (LA)

I received a letter from a company called Avante USA, indicating that I had a debt that they were attempting to collect. The debt indicated on the letter was from a company called XXXX which I have never heard of before, and have certainly never had any interaction with before. An Internet search indicates that XXXX is some sort of predatory payday loan company. Regardless, the debt indicated on the letter is not mine.
Consumer complaint received 2018-12-22
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. (GA)

I have attempted to dispute the accounts and information that are listed below with all 3 credit agencies. These accounts do not belong to me and they were open as a result of identity theft : - XXXX  - XXXX  XXXX   - XXXX - XXXX  XXXX  - XXXX XXXX - XXXX XXXX - XXXX  XXXX  Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX Incorrect Names : XXXX XXXX
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, my father requested balance transfer {$3500.00} from his own Bank of America account to XXXX and XXXX. Bank of America transferred {$3500.00} from my account instead of my father 's own account. My father was my account 's authorized user but haven't received credit card since 2015. I still have my father 's unused/inactivated card since 2015. He doesn't have new card 's expiration date and security code. When he requested balance transfer, the only information he had is his own account number. I confirmed from him that he wanted to make balance transfer from his own account. 

I contacted Bank of America and opened case on XX/XX/XXXX. Bank of America freeze the account and send me another card with new credit number. 

I received alert from Bank of America apps that someone used my new card which I have never received to make a transfer thru XX/XX/XXXX. 

I contacted Bank of America again this morning about XXXX transaction. Bank of America declined this transaction and promised me that I will receive a new card. I requested the results of {$3500.00} transfer investigation. Turned out that Bank of America itself was the fraud. To maximize the profit, it make sense to use my account instead of my father 's own because I have XXXX balance and higher limit. 

I spend 5 hours on the phone with multiple department today, no one is going to refund my money after it has been transferred illegally 36 days. Bank of America even charged my {$140.00} transfer fee. Both Fraud department and Sales department refused to escalate this case, both department stated that higher level management were not available.
Consumer complaint received 2022-02-18
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. (MI)

The inquiry stated below is unfamiliar to me. Therefore, Its unauthorized to pull my credit report. This issue was addressed to TransUnion but until now, I have not heard any feedback from them. They have failed to comply with the FCRA law 's rule and all information was erroneous. 
XXXXXXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2018-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a Bank of America cash rewards credit card. I maxed our my credit limit ( {$1500.00} out of XXXX ) and missed a payment on XX/XX/XXXX. I recently have gone through financial hardship and been trying my best to pay all my payments on time. My Step Father is a XXXX XXXX and he had to quit his job due to XXXX  on his feet, XXXX, XXXX XXXX, and XXXX XXXX XXXX. He's not in a healthy physical condition to work for the rest of his life. Now it's my job to take his place. I'm only XXXX years old and I'm taking care of my family, paying bills, working, and running a business all at the same time. However, I got a new job ( XXXX ) with a company ( XXXX XXXX ) that's paying me XXXX/hour and now I'm financially stable. I've had 1 year, 1 month of on time payments with Bank of America would you guys be able to forgive me and allow me to show you that I am a responsible person this was just unfortunate. This will be my first and last negative remark on my credit card from now on. I'm going to pay off my credit card this week so by next month I'm back to square one. Thank you for understanding.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (CA)

On XXXX XXXX, XXXX, while checking my email, I noticed that I received an email from Chime that a purchase was denied at XXXX. I then checked my account through the app on my phone and noticed several transactions that I didn't do or authorize anyone to do. I promptly called Chime and notified them of the fraudulent activity on my account. The rep asked me some questions and said he would start an investigation. In the meantime, I called all of the merchants who all said they had security videos of the transactions. I filed a police report, then went home to wait for Chime to get back to me. When they did, they stated they were denying my claims because the stores the person or persons went to, I also went to often, like XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX stores. Well, I went to XXXX XXXX and asked for a copy of the receipt and I noticed the person used their phone number to get the discounts for some of the purchases and on the copy of the receipt they gave me had a phone number and the name XXXX XXXX. So that is the person who had used my card without my permission. Chime is still denying me the return of my money. I don't give my cards to anyone or authorize anyone to use my cards or make transactions. Also, Chime is falsely saying they were debit purchases and they weren't. They were all credit purchases which don't require a pin number. They also stated I had put deposits in the account saying I anticipated the money. However, the deposits were for 3 accounts that get auto debited from my account, which all bounced. There were 7 transactions in total. 1. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$14.00}. 2. XXXX XXXX XXXX on XX/XX/XXXX for {$36.00}. 3. XXXX on XX/XX/XXXX for {$140.00}. 4. XXXX XXXX on XX/XX/XXXX for {$21.00}. 5 and 6. XXXX twice on XX/XX/XXXX for {$13.00} and {$5.00}. 7. on XX/XX/XXXX for {$35.00}. Not to mention the 3 auto debit accounts which bounced and was charged {$29.00} for each one. I have more documents but I have to go through my emails and can provide them at a later date when I have all of the paperwork together. I'm still waiting to see actual proof that i made the transactions.
Consumer complaint received 2018-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Municipal Collections of America Inc. (OH)

On XX/XX/18, I was contacted via voicemail by a woman who stated she was from MCOA, and asked that I call back. Once out of work at at XXXX I called the number back and, to which an automated line asked me to verify my personal Social Security Number, to which I did not provide ( at this point I believed the call to be a scam ). I reached a customer service agent, who then stated she matched my phone number to an account. She then stated they were calling regarding an unpaid photo - enforced traffic ticket that was almost four years old, and that it was for a speed violation in the XXXX of XXXX. I have never heard of the XXXX of XXXX, and the agent would not provide any further information, until I verified my personal information. I refused to verify any personal information over the phone, and requested a validation of debt be sent out. I was told they were unable, unless I verified my address. She also stated it could affect my credit record. 

I would like to note that I have never once recieved a ticket through the mail. The only ticket I recieved in my life was in XXXX, OH, and it was given directly from a police officer, and has been paid with reciept. I reached out to the XXXX, who confirmed there is nothing on my driving record, and recommended that I reach out to the cities clerk of courts to verify there is nothing there. I also checked my credit record to verify that there is nothing there. 

I then googled, " The XXXX of XXXX '', and came across the City clerks phone number, who transferred me to the police department. After speaking with one  of the officer 's, they stated that there is a camera in there town but only one person can pull up tickets in there system, and they are not currently in. I was then told to call back later and see. 

Being that I was never notified of the debt and that the collections agency, who waited four years to attempt contact, stated they were unable to send any validation of debt, this collections attempt is in violation of the fair debt collections act. While this may be a scam call, phishing for information, if the " alleged '' Debt is real, action should be taken against this.This company is obviously attempting to scam people out of their money on debts that never existed.
Consumer complaint received 2023-03-23
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. (TX)

When I reinvestigate my credit file, I realized that some of the information was erroneous. The 3 credit Bureaus are required to reinvestigate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX Balance : {$10000.00}, XXXX XXXXXXXX Balance : {$290.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}