davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (MD)

I paid the amount. And 3 three years later my wages were garnished for collection fees that were not indicated on the initial statement no validation was provided please see attatched documents attention to date Initial debt $ XXXX in full XX/XX/XXXX with cashiers check that cleared bank Additional fees not reflected in the billing statement that validated $ XXXX In the amount of about XXXX dollars for a Total of about XXXX dollars XX/XX/XXXX Three ( 3 ) years later garnished wages, never received court notice disputed additional charges. Paid additional amount over 5 months Should not have been charged collection fees predatory, fees and unfair, process shady very shady need help and explanation.
Consumer complaint received 2017-10-02
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: WAKEFIELD & ASSOCIATES, INC. (FL)

I am not a robot, I am no credit repair company, I am a human being please assure I am not given a generated code from the computer with this investigation thank you. 

To whom it may concern this credit breach has bought to my attention that over the past couple years that these accounts were fraudulently open without my knowledge. I am in total shock, depressed and more so XXXX off for the most part that I didnt receive any alerts over the years. To my knowledge I was never contacted or I never gave any one consent to open up any accounts on my credit. Ive mailed over several certified letters and I havent gotten any responses in more than 180 days. I have contacted the state attorneys office and I have filed papers looking to take legal actions because I was never contacted by no one. By law someone must contact me and get consent from me in order to open any accounts on my credit file. If I am not contacted then either the individual that used my identity nor the creditor has the authority to override any consent on behalf of my name or identity. I would like to know the steps that are taken to verify a consumer? By law it states you must verify correctly 100 % before an account can be placed on a credit profile. It puts the creditor at fault and several FCRA laws has been broken in this case. I have contacted my lawyer as if yesterday and we are taking legal actions considering what response we receive and the outcome of this situation. If this isnt fixed or I dont receive a response I will have my lawyer file legal documents immediately following this message response. I also contacted FTC & BBB. I am allowing 5 days to come clean and remove the accounts. Please look at the attached photos. 

Thank you for your time.
Consumer complaint received 2021-07-10
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. (AL)

My car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine.
Consumer complaint received 2017-10-02
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: Convergent Resources, Inc. (FL)

I am not a robot, I am no credit repair company, I am a human being please assure I am not given a generated code from the computer with this investigation thank you. 

To whom it may concern this credit breach has bought to my attention that over the past couple years that these accounts were fraudulently open without my knowledge. I am in total shock, depressed and more so XXXX off for the most part that I didnt receive any alerts over the years. To my knowledge I was never contacted or I never gave any one consent to open up any accounts on my credit. Ive mailed over several certified letters and I havent gotten any responses in more than 180 days. I have contacted the state attorneys office and I have filed papers looking to take legal actions because I was never contacted by no one. By law someone must contact me and get consent from me in order to open any accounts on my credit file. If I am not contacted then either the individual that used my identity nor the creditor has the authority to override any consent on behalf of my name or identity. I would like to know the steps that are taken to verify a consumer? By law it states you must verify correctly 100 % before an account can be placed on a credit profile. It puts the creditor at fault and several FCRA laws has been broken in this case. I have contacted my lawyer as if yesterday and we are taking legal actions considering what response we receive and the outcome of this situation. If this isnt fixed or I dont receive a response I will have my lawyer file legal documents immediately following this message response. I also contacted FTC & BBB. I am allowing 5 days to come clean and remove the accounts. Please look at the attached photos. 

Thank you for your time.
Consumer complaint received 2021-09-10
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: ERC (CA)

I am having an issues with a collection company. They are reporting on my credit for something that is not mine. Enhanced Recovery Corporation. They are reporting that I owe XXXX money which I do not. I have not have XXXX in ten years. I have ask over and over again for a validation of debt and no one can give me one. If you cant prove that is mine how can you report it? I cant verify something without proof. Again I have NOT had XXXX in ten years. If I do not get an itemization statement or this is not remove I will sue in small claims court.
Consumer complaint received 2020-07-13
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: Amsher Collection Services, Inc. (AL)

On XX/XX/2020 I started checking my credit report for inaccurate accounts and I noticed several accounts that do not belong to me. I reported these accounts as a part of a identity theft packet to all 3 credit bureaus and filed all documents to the agency 's and companies involved to have the accounts removed and so far after multiple attempts this has not happened. I and asking that these accounts be removed immediately from all my reports as they are wrong and fraudulent.
Consumer complaint received 2021-09-10
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. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (CA)

I sent {$1000.00} to buy Bitcoin on Gemini My account was verified via ACH which they let me send my money to Gemini Now they dont let me withdraw my own money because my account is NOW restricted Theyll not give me my money unless I send them a wire transfer which will cost me {$35.00} Its a fraud My account is also under my name but they said its under a different name Theyre lying to take my money I talked to my personal banker at XXXX XXXX  He said it doesnt make sense to do a wire transfer when ACH is already verified Please help me I just need my money back
Consumer complaint received 2017-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (IN)

On XX/XX/XXXX, I received an alert from 2 of the credit bureaus I use to monitor my credit. 
I was made aware that a company from Calif. had put a collection on my reports for some ridiculous amount. This so called company name is Caine and Weiner has put a fraudulent claim on my credit reports. 
I was struck by a XXXX driver in XX/XX/XXXX and have spent the last few years in court with her insurance, finally reaching a very nice settlement in XX/XX/XXXX, now I am finding fraudulent people who want place erroneous items on my credit report thinking I will pay them. 
I will not tolerate this and I will fight this with all I have!! 
I am outraged that the credit bureaus are able to just arbitrarily place items on my credit report with out any effort to obtain as whether they are real or fraudulent. 

I researched this so called company XXXX XXXX XXXX and much to my dismay there were pages and pages of their fraudulent behaviour. 
I do not owe them any money and I want this off my credit reports as quickly as possibe, I am rebuiding my life after being mowed down by a XXXX driver and I will not be taken by a scam artist. 
The date that is appeared of the alert is XX/XX/XXXX. 
The amount is {$3100.00}. 
The name is Caine and Weiner. 

I thank you in advance for all your help and quick response. 

Warm Regards, XXXX XXXX
Consumer complaint received 2016-07-29
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NY)

I live in XXXX, NY and I use Wells Fargo bank. I have been with Wells Fargo since I was XXXX years old ( it was Wachovia Bank then but was absorbed by WF ), moved to XXXX at XXXX, and am now XXXX. There are approximately XXXX Wells Fargo branches in XXXX and none in the other XXXX boroughs of XXXX. When I need an ATM it is not convenient for me to go all the way into XXXX to use a Wells Fargo bank, and therefore end up using a non-WF ATM to withdraw my money. Wells Fargo charges {$2.00} every time I use a non-WF ATM in addition to the ATM fee which is usually around $ XXXX. So every time I get cash I am charged about {$5.00}. I do n't make a ton of money. I work in the XXXX and with ever-rising rents I just barely stay afloat. If I were to take the train into XXXX and back to XXXX just to use the ATM, that 's approximately {$5.00} on my XXXX! So I 'm paying this fee regardless and I 'm fed up! I use an ATM around once a week. $ XXXX/week for the ten years I 've been in XXXX comes out to about {$2600.00} just to use ATMs. {$1300.00} of which Wells Fargo takes as punishment for not using their bank specific ATMs. I want my money back!
Consumer complaint received 2021-07-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

For my trading account at the bank, they have locked my ability to access my online profile and get my needed tax information because they claim they need more information that includes what my net worth is, what the phone number of the company I work for is, how I achieved my level of net worth and what the sources were, what liabilities I have, whether I own a house, what date I moved into my house. This is a fishing expedition by the bank to get more information under the guise of security that we use for marketing and other abusive purposes. Im just looking to get my tax information that they never sent me in the mail. Im not even looking to make any trades. The bank is required to provide me with this information. 

The bank has been contacted about this type of thing with its service and hasnt done anything. Whats more : in previous complaints with the CFPB, Bank of America has shown a practice of just always claiming that it needs more time to extend to 60 days in order to review a complaint. The bank doesnt need this time but it just routinely does this to drag things out. Such a thing as lying to the government. In the case here, Bank of Americas frivolous telling of the CFPB that it needs 60 days will cause me difficulty because I need to file my taxes before the deadline.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I VE BEEN HAVING SO MAY ISSUE WITH THIS FINANCE COMPANY SINCE THE START OF THE LOAN. EVERY TIME I DISPUTE SOMETHING ON MY CREDIT REPORT THEY COME BACK WITH THE SAME ANSWER. THAT IS WHY I CHOOSE TO TRADE MY CAR IN AND GET FINANCED THROUGH ANOTHER FINANCE COMPANY. I CANT SEE MYSELF GOING THROUGH THIS FOR THE NEXT 5 YEARS WITH THIS FINANCE COMPANY NOT UPDATING MY CREDIT REPORT ACCURATE EACH MONTH. EVEN WITH TRANS UNION I SENT IN THE DOCUMENTS THAT SHOWED THE ACCOUNT IS PAY IN FULL OR ANY DOCUMENTS THAT SHOWS MY  DISPUTE OR WHY I AM DISPUTING THIS WITH THE DOCUMENTS THEY DONT USED THAT. SO WE ARE BACK HERE AGAIN WITH THE SAME ISSUE AND THIS TIME THERE SHOULD NOT BE ANY REASON WHY MY DOCUMENTS THAT I HAVE LISTED DOESNT GET FIXED. SO A LITTLE BACK GROUND ON THIS, MY ACCOUNT WITH XXXX XXXX WAS OPEN ON XX/XX/XXXX AND MY FIRST ON PAYMENT ON THIS ACCOUNT WAS MADE IN XX/XX/XXXXOF XX/XX/XXXX. ON MY PAYMENT HISTORY I AM MISSING THE TRADE LINE OF THIS ACCOUNT FOR XX/XX/XXXX OF XX/XX/XXXX AND WHEN YOU LOOK AT THE OPEN DATE WHICH SHOWS XX/XX/XXXX IT SHOULD ALSO SHOW ON MY PAYMENT HISTORY AS OKEY. WHEN YOU LOOK AT MY PAYMENT HISTORY IT STARTS WITH XX/XX/XXXX OF XX/XX/XXXX. ON MY EARLIER CREDIT REPORTS IT SHOWS THE MONTH OF XX/XX/XXXX OF XX/XX/XXXX SO WHY DOESNT IT SHOW HERE ON THIS CREDIT REPORT. I HAVE MADE ALL OF CAR PAYMENTS ON TIME FROM XX/XX/XXXXOF XX/XX/XXXX TILL THE LAST PAYMENT WHEN I TRADE THIS CAR IN AND THE XXXX XXXX RECEIVED A DEALER CHECK FOR THE AMOUNT {$11000.00} ON XX/XX/XXXX. I HAVE MADE PAYMENTS ON THIS ACCOUNT FOR 15 MONTHS FROM THE MONTH OF XX/XX/XXXXOF XX/XX/XXXX TILL XX/XX/XXXX OF XX/XX/XXXX. SO ON MY CREDIT REPORT IT SHOULD SHOW PAYMENT HISTORY AS OKEY OR CURRENT FOR XX/XX/XXXX OF XX/XX/XXXX TILL XX/XX/XXXX OF XX/XX/XXXX. ACCORDING TO OUR LAST DISPUTE XXXX XXXX HAS NOT UPDATE MY TRANS UNION CREDIT REPORT ATT ALL. IT SHOWS A BALANCE AND IT SHOW THE LAST TIME THEY UPDATE THIS REPORT WAS XX/XX/XXXX. WE ARE IN THE MONTH OF XX/XX/XXXX. THEY ALSO SENT ME A LETTER THAT STATE THIS ACCOUNT IS CLOSED WITH A XXXX BALANCE AS CURRENT AND THEY ALSO ENCLOSED MY PAYMENT HISTORY ON THIS ACCOUNT. I WANT TRANS UNION TO GET WITH XXXX XXXX AND I W ANT XXXX XXXX TO GET WITH TRANS UNION AND UPDATE MY CREDIT REPORT ACCURATE.
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (DC)

I refinanced my loan and my previous lender/servicer ( BB & T ) charged {$31.00} unusual fee ( Document cancel fee ) plus one extra day of interest ( {$74.00} ). I wired pay off amount a week before funding date to the settlement company and as I know they wired it the same day as the scheduled funding date ( XX/XX/2020 ).
Consumer complaint received 2017-10-03
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. (PA)

There are a lot of hard inquiries listed on my credit report that indicated " unknown or unspecified '' company. I asked them to removed them because I have no knowledge of what the companies are and who requested a copy of my credit report. I was notified by XXXX Agencies that there personal files was hacked and my information along with others were taken. Then when I heard about the breach in the Equifax I decided to pull my credit report to see what my reports look like. I noticed a lot of inquiries and inaccurate information that I am trying to dispute or investigate. For the past year or XXXX I have paid a lot of things off and the only thing I applied for was an automobile loan back in XXXX XXXX. How is it fair for a Credit bureau to report unspecified information without listing where the information came from especially if the source is not verifiable or validated.
Consumer complaint received 2022-09-10
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. (AZ)

I sent reports to XXXX, Transunion and XXXX. I havent received an update on my report in regards to my bankruptcy being reported incorrectly on my report. I have sent proof that XXXX has removed this report ( XX/XX/2022 ). 
I didnt give consent to report on my report. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-09-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (NV)

Todays Date : XX/XX/XXXX To : Complaint Department Medical Revenue Service XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX Re : Dispute Medical Collection on Credit Report To whom may concern, I am writing this letter to you in request that the charges from XXXX XXXX XXXX XXXX be immediately dropped and updated as removed from my Credit Report. 

The account reflects an alleged remaining debt in the amount of {$5100.00} from XX/XX/XXXX. 

This medical collection is inaccurate and should be considered obsolete for the following reasons : I had walked in the hospital and they immediately noticed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The first thing they asked me was my government name and if I had insurance. Then, some nurses at a glance looked at my XXXX  on my forehead and took me to a chair in the hallway. Not a private room or a clinical room to at least clean me up, but just a chair in the middle of a hallway where patients would just pass by & stare. I thought to myself I would just be there for only a moment until I was seen, but instead I sat there for 4 hours waiting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the bare minimum. At this point, I was disappointed with the lack of care and consideration. I am an XXXX XXXX XXXX  who was just left there alone in XXXX XXXX XXXX XXXX XXXX with no idea what was going on, but obviously it wasnt that urgent for them to see me. It wasnt until I stood up and was going to walk out that a nurse saw and asked where I was going. She said she would send someone over to me now to help me 5 hours later & only because I said I was going to leave. I still waited another 30 minutes until they saw me. I was cleaned up, given a few XXXX  and was done within 20 minutes. You would think if you go to an emergency hospital and they see you walk in with a XXXX XXXX they would take you more seriously. Of course the first thing they did without fail was bill the insurance {$12000.00}. My insurance covered {$7400.00} leaving me with the charges of {$5100.00} which is absolutely ridiculous!!! The cost, terrible care and experience, the service they provided & long wait doesnt add up to {$12000.00}. I would like to see an actual itemized receipt/breakdown of what they are charging for. Also, youd think for the little service they performed the hospital would be content with making {$7400.00} from my insurance. With all being said, I am requesting that the full medical collection debt of {$5100.00} be canceled and removed from my credit report. I can not afford this nor do I think its a valid charge. 

I have attached the credit collection report and photos of my injury on that day for additional reference. Please investigate this further as soon as possible. 

Thank you so much for your attention to this matter. 

XXXX
Consumer complaint received 2021-09-10
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

This account has been disputed several times with Nissan as well as the credit bureaus. Nissan has it in their system that it is XXXX balance and settled in full. None of the 3 credit bureaus seem to reach out to nissan to investigate no matter how many times I dispute this.