davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (CA)

In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In XXXX, XXXX XXXX XXXX erroneously reported to Trans Union that I filed bankruptcy on a {$3200.00} loan/line of credit. This error has significantly impacted my credit score and presented several challenges to my borrowing capacity. None of the other reporting agencies show this bankruptcy on my credit. I have since contacted XXXX XXXX XXXX multiple times and they have repeatedly told me that they have contacted Trans Union and informed them of their error ( I did not file for Bankruptcy ). I have also attempted to dispute the claim with Trans Union, to which they have written a note that the account was closed, but have not removed the bankruptcy from my file ( saying it would fall off my record in XXXX ).
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I have been disputing my Experian credit report for 6 months now due to a Bankruptcy that is incorrect and NOT verified. They have not verified this with any agency and I have a letter from the courthouse that also says they do not verify this info with Credit Bureaus. They refuse to delete this inaccurate Unverified bankruptcy. XXXX and XX/XX/XXXX have already fixed the issue can we please get Experian to do their due diligence and remove this Ive been fighting it for too long and I'm just being ignored
Consumer complaint received 2021-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I XXXX XXXX XXXX XXXX was entered into a credit inquiry transaction that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web.I have contacted Equifax about this issue on the phone and the employees were very rude to me. I asked to speak to the supervisor and the supervisor made me aware that she had no knowledge of the FCRA Laws even though Equifax is supposed to abide by the FCRA Laws. after I stated the laws to the supervisor, she then hung up on me in an attempt to evade the laws and do the right thing by removing this inquiry. I also faxed in all these documents that I attached to this complaint to Equifax and they have yet to respond.Having this False and misleading inquiry reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my son. I am a single father and my son looks up to me, so I wan na show him that I can buy a house for him because he deserves it. I ask that you please remove this false misleading inquiry from my credit report so I can began to repair my credit and eventually get my Son a house. please resolve this matter quickly. XXXX  XXXX XXXX  XXXX gave my hard inquiry information to Equifax knowingly without my written consent, they violated 15 USC 1681n ( b ) .My consumer rights have been violated.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

Lexington Law refuses to answer the phone when I tried to attempt to inform to them verbally that theyre terminated, but Im sure they are already aware of that fact sense I sent them emails and messages in writing confirming that.

Also, the paralegal or the receptionist hung the phone up in my face this morning because of the XXXX  of my skin and I have full proof. The call was being recorded. The Lexington Law associate hung up in my face between XXXX-XXXX  this XXXX. Im making sure I document everything for myself and the credit bureaus. Lexington Law is hands down the worst credit repair company. XXXX  is just plain evil.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

A Checking Plus account was sent to collections for a total of {$900.00} remaining balance in XX/XX/XXXX. On XX/XX/XXXX this balance was paid in full for a total of {$900.00} via check. The collection company in charge of this debt was sent the required documents including the check of proof that paid the balance to {$0.00}. 

In XX/XX/XXXX my credit report was labeled as Failure to Pay instead of Paid in Full as agreed in exchange for me paying directly to Citibank the full balance owed. In XX/XX/XXXX my credit report was labeled Negative. I am requesting that all negative attributes affecting my credit report be removed and that my credit report be labeled as Paid in Full as of XX/XX/XXXX.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Two checkbooks were stolen during a theft of my storage unit, and someone fraudulently wrote and cashed a check for {$1000.00} from my Chase Total checking account on XX/XX/2021. The written amount was XXXX XXXX XXXX, but the number amount said {$1500.00}. I don't know why the check was cashed with this discrepancy. I have submitted a fraud report to Chase.
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

Have a collection on my credit report. Do not have a contract with Convergent Outsourcing for balancing of XXXX to pay. Was staying on a XXXX XXXX base during XX/XX/2015 that did not support XXXX XXXX.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANNER CORPORATION (OR)

Both of my checking accounts at Banner Bank located at XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX were overdrawn from having too low of funds available that was in fact due to my account information being stolen. Causing a snow ball effect. I absolutely did not authorize Banner bank to allow for any transaction going through any of my accounts to be paid with a over draft fee. I was never allowed to opt in to the over draft fee service. As a matter of fact I asked to opt out several times but was denied. Under the Obama era bank reform laws in 2010 and REG 1005.17 I am officially filing a complaint against my bank. The manager has zero clue as to the current Bank Regulations regarding this issue. She was very rude to me and refused to refund any of my money either. I went into the bank on two separate occasions this week on XX/XX/XXXX and today XX/XX/XXXX. Again I have explicitly requested for the bank to refuse all incoming charges that the funds are not available. The manager told me that even if it is presented and not paid that I was still be charged a {$30.00} transaction fee per occurrence. I do know this is illegal based on the fact that I used to be a successful person banker, mortgage loan officer and now am a Oregon XXXX XXXX XXXX XXXX Due to Covid both my small businesses have been affected negatively. Also XXXX charged me for items that were supposed to be paid for with my rewards available on my XXXX Credit Card. XXXX also charged me for items to my bank that I did not receive. XXXX then charged me, refunded me, recharged me 3 separate but concurrent times as well. I tried to resolve it online but was unable to based on I never bought those items at all and the 3 items I did receive were supposed to be paid by my available rewards on their XXXX credit card!!
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (CA)

i XX/XX/XXXX5 26 accounts open through fraud. Two accounts still open and in dispute. The accounts were reported to credit agencies and ftc. Personally called open accounts and filed a dispute. They refuse to offer a letter to lender to say these are not my accounts. We are in an offer to by a home. the rate is at XXXX instead of XXXX because of this fraud
Consumer complaint received 2024-03-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK (IL)

Midland mortgage cant not provide a wet ink signature of a promissory note nor purchase agreement nor booking records or corporate records. Then XXXX that works there lied and said it was transferred to them when another manager at midland started on recording line that they purchased in a large volume with or the promissory notes. My issues is this Title 31 U.S.C. 5118 ( d ) ( 2 ), 31 U.S.C.A. 463 and Public Law 97- 258 ( XXXX XXXX ) In accordance with 31 U.S.C 5103 and USC 8, such Promissory Note Instruments are " NATIONAL BANK CURRENCY '' and thereby coin or currency of the United States XXXX by Rule of Law, U.S. Supreme Court , and Private BAR Association Statutory Bylaws Legal Definition . Th Little promissory note is " THE EQUIVALLENT OF MONEY as per 12 USC 1813 ( L ) and must be accepted by all banks and financial institutions as payoff, set off, discharge, and deposits. So why are they saying I have a debt. According to law its been paid with XXXX XXXX. Also according to common law not contract law. Also 15 USC 1692 they cant put gym y mortgage and come after me. Midland Mortgage does not have the proper documentation nor on my deed due to I have not signed anything with them
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation (WA)

I had a credit card debt for XXXX XXXX Bank XXXX In XX/XX/XXXX I was contacted by XXXX XXXX XXXX and I sent them a payment and settled by debt. I received a paid in full letter. Since then, I have received XXXX more additional contacts from creditors. Today, XX/XX/XXXX I was served by a sheriff for a complaint. I have contacted the offices of XXXX XXXX XXXXXXXX XXXX to notify them that I have paid my debt and provided a letter. I gave this letter to the other 3 companies and they said that they would see that this matter is settled. 
I had only XXXX ( XXXX ) account with XXXX XXXX and I am not sure how to resolve this.
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. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

Law Offices MBA has placed several debts with XXXX  and XXXX  with my name and social however I do not know who this is and neither do I have a contract with them. I have asked them several times to provide me with a contract that I have signed and original documents and I have not received neither. 

There are listings for the following amounts : {$1400.00}, {$1400.00}, and {$2700.00} and I would like those removed from my credit file as soon as possible if they can not provide me with the original documents signed by me.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I am not liable for this debt of {$850.00} with LVNV FUNDING LLC ( c/o Resurgent Capital Services ) Account number : XXXX. I do not have a contract with LVNV FUNDING LLC, and they did not provide me with an original contract with a wet signature and ID verification as requested.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have been trying to open business account with my credit union to get my PPP funding and Bank of America has incorrect information reporting to XXXX XXXX as fraud/acct closed/ nothing paid showing to XXXX XXXX. I contacted BOA and there system does not show any of this. BOA says there system shows closed account nothing owed upon closing. They even have record of them sending out XXXX cent refund. They tell me they do not see what XXXX XXXX says is showing and no way for anyone to generate any letter to XXXX XXXX because the system does not show any negative balances due. 

Finally talked with risk manager at BOA who said well send in a copy of XXXX XXXX  reports and go from there. I tried calling BOA risk/recovery depts for fax or email to send paperwork too and all says fax has to come from institution. I go into BOA location and have them fax. I went into BOA and the reps faxed copy of XXXX balance due paperwork to XXXX XXXX then I asked for them to fax copy to their risk and or reocovery depts to be updated with what is going on as stated in above paragraph. 

They proceeded to call the depts to get fax number and both depts gave BOA admin run around like I had been getting back and forth to each dept stating this dept has to handle this, in the end BOA admin had both depts on line together as they spoke and no one had a fax number that paperwork could be sent too. they stated that they were working from home and no fax to give. 

one did provide a address for mailing paperwork to Florida ; however, My loan money is being held at another institution I'm at risk of losing my home and need resolution asap before my funds are returned and i can not get another ppp loan and my family and I will be out on the streets. 

I am even trying to open business acct with BOA so hopefully they can see their own mistake if they too use XXXX XXXX to determines eligibility of getting business acct opened at this moment I am at a dead end and need help sent out to higher up heads within BOA institution. having trouble getting paperwork to BOA to get XXXX XXXX updated. XXXX XXXX will not remove unless they here from BOA. BOA says nothing to update, yet the consumer is losing due to BOA error Consumer is suffering, Consumer will homeless on the streets of Michigan.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I recieves a EIDL Targeted Advance Grant from the SBA to my Chase personal checking account. I Had checmed with the SBA prior to deposit and was informed there should be no problems using the account. As well i had already received a PPP loan prior to this with no issue. Chase froze my account due to suspected fraud. I immediately went to my local branch with numerous documents showing i have been in business for over 6 years, including an old business checking statement, XXXX tax returns filed with schedule c business taxes, invoices to clients and more. After spending over two hours with the branch manager on the phone with their fraud department i was informed that only a EIN which i am not required to have as a sole prop ( ive always used my social ) can unlock my account. I speak with the fraud dept on the phone and am told that " if '' the documents i submitted are approved then i will receive a check within 10 business days. Now after researching online i have zero confidence that will happen as numerous others are in the same boat and even after jumping through every hoop imagineable have still not received access to their account or return of their funds. I spoke with SBA and was told they had no right to do this and to submit my loan docs whoch i offered but was told not neccessary and the taxes will do. I received no communication from them regarding this it was only discovered due to my own due diligance and i rightfully obtained these funds and am a legitimate business owner. This restriction is impacting my business and finances severely and chase is out of line and im sorry but based on events/research i do not trust them to do the right thing so i am proactively filing this complaint.i have attached proof that i am a legitimate business owner and these funds were not obtained illegally and are rightfully mine. I look forward to a timely response and hope that you can help or i will obtain legal counsel as my next step. Chase has no right to put peopke through this ordeal in these already hard times!
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

XX/XX/2022 XX/XX/2022 I disputed collections and charge offs that do not belong to me & they all came back as verified with no proof or wet signature. 

They reported the debts as new after the disputed and continuing to charge late payments when I have no knowledge of these accounts.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XXXX BOA charged a overdraft protection fee as they took money from my savings when they did not need to as I had all the funds in my account I needed. Also, BOA for some reason has stopped emailing me my daily balance like they have done for 9 years. Nothing on my end regarding contact info has changed. I feel this is a way to steal money from my account.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Check XX/XX/2018 XXXX {$200.00} XXXX XXXX XXXX XXXX Check XX/XX/2018 XXXX XXXX {$200.00} Bank of America Arizona Check XX/XX/2018 XXXX {$200.00} XXXX XXXX - California Check XX/XX/2018 XXXX {$200.00} XXXX XXXX - California Check XX/XX/2018 XXXX {$300.00} XXXX XXXX - California Check XX/XX/2018 XXXX XXXX {$300.00} Bank of America Arizona Check XX/XX/2018 XXXX XXXX {$200.00} Bank of America Arizona Check XX/XX/2018 XXXX XXXX {$200.00} Bank of America Arizona Check XX/XX/2018 XXXX XXXX {$100.00} Bank of America Arizona XXXX I had a roommates friend got a hold of my information while I went out of town for a couple of days. I left my apartment and my purse on accident and had printed check from XXXX in my room and she had use them to her advantage to withdraw money at an atm. I was unable to get the truth of whom did the transactions and I moved and i barley had enough income to finally pay off my debt. Currently I am unable to open any checking account because of the Flag of Fraud on my name. I did however go through Bank of america and paid off the balance and I worked with XXXX XXXX XXXX. The dispute file did change the status with XXXX but, not Bank of America. I would like to have this issue resolved.
Consumer complaint received 2021-03-31
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: JPMORGAN CHASE & CO. (IL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

JPMCB CARD Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2020-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

for the past month, experian has arbitrarily reduced my credit without credit report justification by 39 points.. 

additionally, when asked what was on credit report to justify such a precipitous drop, i was not given an answer that justified a 39 point drop ... 

especially since i have an exceptional payment history, no collections, low debt ratio, and low credit card debt ... also, i am a senior and the covid 19 virus precludes me from getting out as often to utilize credit as often as experian would like (? ) they seem to be punishing me for being prudent with my credit usage during a pandemic ... 

ironically, i was 23 points away from an " exceptional '' credit score and  was about to perform a financial transaction ... this must now be postponed because of experian 's dishonest credit score reporting ... 

additionally, experian has over 155,000 complaints on the CFPB website ... 

based on this phenomenon, who is more credible?