davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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 account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 15 U.S.C 1666B : A creditor 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 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

n accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights.
Consumer complaint received 2020-09-08
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: 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 {$14000.00}, {$12000.00}. 
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 ) -- OPEN ACCOUNTS 1.  XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

Account # XXXX Resurgent  : XXXX I am writing to dispute certain inaccurate information in my credit file. In compliance with the Fair Credit Reporting Act, I kindly request your assistance in investigating and, removing this erroneous information from my credit report. 

Upon reviewing my credit report, I have identified a negative account entry that I do not recognize. I am concerned about the accuracy of these entries, as they do not accurately reflect my credit history. I received a reply from XXXX of Resurgent again, which provided conflicting information and violated my rights by again reporting inaccuracies to CRAs. It did not address my complaint.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX  XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (TX)

Please remove the accounts and inquiries i have been disputing for months now. I have sent a couple of letters to the bureaus but they remain hard and insists on keeping these unverified accounts and inquiries. This is a violation of my rights so i am writing to you as a last resort. I am hope that you will hear me out and remove them. You may find them in the letters i have attached.
Consumer complaint received 2022-04-07
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. (TX)

Please remove the accounts and inquiries i have been disputing for months now. I have sent a couple of letters to the bureaus but they remain hard and insists on keeping these unverified accounts and inquiries. This is a violation of my rights so i am writing to you as a last resort. I am hope that you will hear me out and remove them. You may find them in the letters i have attached.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AP)

On or about XX/XX/XXXX Wells Fargo bank required me to have a US address on my bank account # XXXX ( now closed ). I complied Adding my us address to the above account. 
On XX/XX/XXXX ( 6 days before XXXX ) Wells Fargo bank closed my accounts and mailed checks to my USA address. 
Wells Fargo stated it was because I had a foreign address. 
Wells Fargo also received my direct deposit amount XX/XX/XXXX and returned it twenty days later on XX/XX/XXXX. 
This has cost me to this date {$230.00} In banking fees as well as added stress before XXXX and all of XXXX so far. 
I request payment for the above amount. 
Does Wells Fargo bank not know people have vacation homes in other countries? 
There is a worldwide pandemic going on. Do they not know this? or do they not care? 
I'm not sure if it's my XXXX XXXX  affiliation or my XXXX family they are attacking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo bank customer.
Consumer complaint received 2020-09-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: OPORTUN FINANCIAL CORPORATION (NV)

I DONT REEMBER THIS COMPANY AT ALL ITS HURTING MY CREDIT SORCE BAD DATE OPEN XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (PA)

Starting in early XX/XX/XXXX, I noticed that even though my payments are automated, and whatever the required payment is, I was shown as owing ~ {$10.00} still. Upgrade has had this problem before where they continue to say I owe when I dont. So Im an attempt to resolve myself, I made the {$10.00} payment on XX/XX/XXXX. I first attempted to email, request # XXXX and they wouldnt help me over email citing privacy, so I called Upgrade on XX/XX/XXXX, and they said they would look into it. I then got an email on XX/XX/XXXX saying that I still owed {$7.00}. 

Throughout XX/XX/XXXX, I call over 10 times checking on the issue, being given the run around, being assured the problem was being looked into and would be resolved. 

I even called again on XX/XX/XXXX to insure they wouldnt report my late, Upgrade Request # XXXX. 

On XX/XX/XXXX, I start getting multiple alerts that I am delinquent on my Upgrade card account. I immediately called Upgrade support and they said they would resolve the issue. I called the next day to check the status and they said it would take 10 businesses days to resolve. I was patient and waited until today, XX/XX/XXXX, called back because the issue was not resolved. Still they transferred me elsewhere and forced me to leave a voicemail. So Im submitting this complaint
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-01
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. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX XXXX CO 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
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NV)

Date XX/XX/2022 Paid American Express Hilton ( AXH ) {$4100.00} On XX/XX/2022 I called American Express Hilton to explain the error, and explain to them that I meant to Pay ( AXH ) {$170.00} and {$4000.00} to my American Express Delta ( AXD ) I was told no problem we ( American Express ) can transfer {$4000.00} to your ( AXD ) and that it will take 24-48 hours. 

Today I looked and the credit is still on ( AXH ) 72 hours later. 

Called today XX/XX/2022 to ask what is the hold up. Now, American Express is telling me that the transfer is going to take 5-7 business days. 

I think this is a deceptive practice and all they are doing is collecting more interest on my ( AXD ) credit card. 

I asked how long does it take to refund my credit and they said 2-3 business days. 

So they can refund my money in 2-3 business days, but they can not do an internal transfer and that is going to take 5.-7 business days. 

I asked for my money to be returned ... but again I think this is deceptive practice and they are collecting more interest payments. 

I would like this researched because this practice is very unfair to consumers.
Consumer complaint received 2022-04-07
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. (TX)

Please remove the accounts and inquiries i have been disputing for months now. I have sent a couple of letters to the bureaus but they remain hard and insists on keeping these unverified accounts and inquiries. This is a violation of my rights so i am writing to you as a last resort. I am hope that you will hear me out and remove them. You may find them in the letters i have attached.
Consumer complaint received 2023-04-01
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. (FL)

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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-27
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RUOFF MORTGAGE (OH)

In XXXX of XXXX, due to loss of employment and income I requested forbearance under the Cares act due to the loss of income. As of XXXX of XXXX I was out of forebearance & per the cares act the lender placed the forebearance amount at the end of my mortgage or or when it is paid off. I have been current on all payments since exicting the forebearance plan under the cares out, however, I recently pulled a credit report and was surprised when I see that Ruoff Mortgage had added comments to this tradeline with the the credit agencies that the loan was modified and the modification occured under a non-governemnt plan. The loan in question is an FHA loan, the forebearance occured and terms were modified under the Cares act per the representatives I had spoke to at Ruoff I had met the terms and requirements under the cares act. Since learning of this I have reached our to Ruoff in an attempted to get clarity and retify the in accurate reporting, however, my attemps have been unsuccessful because I am either placed on hold for an extended amount of time or transferred through numerous representatives that failed to be able to provide me with any accurate information.
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (TN)

I entered into forbearance in 2020. At the end of my forbearance my mortgage company required a large good faith payment, along with doubling my monthly payments. I asked if I could get a deferral and was denied. A deferral would allow me time to refinance with a cash out and pay back the missed payments. They are not being helpful and I'm met with resistance with every suggestion. I can pay my monthly payments, but asking me to double the payments puts more strain on my finances, meaning I would have to default on other debts.
Consumer complaint received 2022-04-07
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)

Hi, My XXXX XXXX XXXX was used on XXXX without my authorization and because of my unawareness from unauthorized use of my credit card therefore I got big debt on my credit card but however Im trying to fix this issue and remove the late payments from my credit report but no one wants to help me not the credit agency bureaus nor the credit card company. During that specific time I was XXXX and I haven't used my credit card. I do have my XXXX documents but since in this email says do not provide anything that include your personal information I did not add it. I can provide my hospital documents if you request later. Thank you
Consumer complaint received 2020-09-08
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Please be advised that after numerous phone calls to Nissan Motor Acceptance Company and Infiniti Financial Services requesting that they cease phone call to my place of employment, they continue to call. 

Due to COVID 19 workplace restrictions, I am not at liberty to provide you with the specific dates and times that I have contacted Nissan Finance and Infiniti Financial Services as my call log notes are in my office and I am not able to enter the building until the Governor for the State of California lifts the stay, however I made my initial request early in XXXX and have called 3 or 4 times since only to be told by customer services reps that they " don't see my work number in their system ''. 

I have multiple voicemails records on my office line that I can provide to you for proof ( via screenshot, if necessary ), but the most recent calls/voicemails were made to my office on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2019-08-03
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: Experian Information Solutions Inc. (TX)

Last summer I totaled my vehicle. After XXXX received the insurance check they immediately charged off my account while continuing to apply negative missed payments to my credit report each month. I opened up a dispute with Experian, and their investigation made matters worse. The date that this negative remark will remain on my account was originally XXXX after the investigation they increased the length of time to XXXX without providing any reasoning. This once again proves that XXXX continuously falsely impacts my credit score in a negative manner.
Consumer complaint received 2023-04-01
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. (NJ)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XX/XX/2023 I, XXXX XXXX Federally protected Consumer and Natural person extended credit to XXXX XXXX XXXX using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent XXXX XXXX XXXX a notice to cease and desist and a notice to validate the debt which they have failed to abide by. XXXX XXXX XXXX is now civilly and criminally liable for violating my consumer rights. XXXX XXXX XXXX XXXX has yet to resolve this matter.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2022, someone had hacked my mobile wallet and gained access to the the chase mobile app. That person was able to add his own phone number and was able to make deposits 3 hours away from where I live. I live in XXXX and that person was doing transactions in XXXX I called chase bank to address it but they told me that they will close my account. Chase can not prove that those fraudulent check deposits were mine. Instead they closed my account without any proper investigations. 

I know I wasn't responsible for those deposited checks. Chase should've looked up the login locations or XXXX because the {$4000.00} mobile deposit and those ATM transactions in XXXX and in XXXX ( where that person stole my banking information ) was not ME.
Consumer complaint received 2019-10-17
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: Experian Information Solutions Inc. (NY)

I have checked my credit reports ( Experian, XXXX and XXXX  ) and I have noticed that the account with XXXX XXXX closed in XX/XX/XXXX and last paid date on XX/XX/XXXX continues being reported on my credit history. It should not be longer in my credit reports.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

I reviewed the updated report in XXXX XXXX for 3 credit bureaus. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there inaccurate items on my credit report which are misleading to me. I believe the Bureaus have failed to authenticate these items. The items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2005 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

On XX/XX/2021, I was scammed in the amount of {$1400.00} through US Banks platform via XXXX. I received a call from a guy and he stated he was calling from XXXX. He stated that someone was trying to use my debit card at XXXX, ordering a {$1500.00} iphone. He asked me to go online to XXXX, fill-out claim form to have money refunded. I continued to the XXXX site which he walked me through, which looked legit, filled out claim form and clicked GET REFUND MONEY. After that, he had me to go to another website, clicking on different buttons, and unbeknownst to me, he had access to my computer. Once he had access, without my knowledge, he told me to go to my online banking to see if money was refunded and at that time, my screen went blank. I asked why is my screen blank, he stated dont turn it on. I stated I already turned it on. Apparently, at this time, he had access to my computer and bank information and quickly did a XXXX transfer to himself. The name the XXXX was transferred to is XXXX XXXX, phone number : ( XXXX ) XXXX. Once I realized what had been done, I quickly contacted US Bank and reported this fraud/scam transaction. US Bank put account on hold pending fraud investigation. When the fraud investigation was completed, XXXX stated that XXXX denied my claim. XXXX further stated that their FDIC does not cover third-party fraud claims. Could you please be so kind and help with this issue. Thank you for your time and consideration. Should you have any further questions, please feel free to contact me.