davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (OH)

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

Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX ( XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2020-09-07
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. (NY)

Recently, I received a notice that my credit score decreased due to a delinquent account. Upon review of my Transunion report, I saw that a  XXXX XXXX/XXXX XXXX balance had been " charged '' off. I was not aware of this account. I do have a XXXX XXXX/XXXX  XXXX XXXX which I am aware of and pay off monthly. The details of the account in question ( the one I was  unaware of ) are below : Account # ( as it appears of my credit report ) : XXXX Date opened : XX/XX/XXXX Date closed : XX/XX/XXXX Last payment made : XX/XX/XXXX Date updated : XX/XX/XXXX On my credit report, it shows a balance of XXXX all the way up until XX/XX/XXXX, when all of a sudden there shows a balance of {$220.00}, and a rating of " charged off ''. 

Once again, this is a separate account than the credit card from XXXX XXXX that I am aware of and that I use. 

I attempted to contact the contact multiple times today, and spoke to three different individuals. They all passed me around and were unable to help me with my issue.
Consumer complaint received 2021-05-06
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. (TX)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2017-12-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX, I have already had to file 2 complaints with CFPB. In XX/XX/XXXX/XX/XX/XXXX timeframe, I re-filed a complaint because a resolution to my request has been avoided. A {$20000.00} payment paid by cashiers check was provided to Wells Fargo 's previous bank, XXXX XXXX during its transition to XXXX to pay down a substantial portion of a HELOC loan, # XXXX. Wells Fargo claims they can not find the deposit in the archives, ( although I have provided clear evidence of the unapplied sum ), which should reduce the balance of the HELOC debt, and they refuse to take any action or enact any resolution to correct the error. I have received correspondence stating that Wells Fargo can not validate their position because they do not have the records, tax records, deposit or any other records from XXXX XXXX/ XXXX . That is not an acceptable response. All documentation should be in the archives & in their vault. I provided a copy of the deposit receipt applied to the HELOC account, & copy of the cashiers check. In Wells Fargo 's response, denial & resolution letter, they asked me for a cancelled check. Cashiers checks are paid upfront & the customer is provided a receipt & transaction #, customer is not provided a cancelled check. Either Wells Fargo is operating without due diligence or they are pretending to be unintelligent to avoid a resolution, because my evidence was provided. They are refusing to credit me the {$20000.00} & recalculate all payments from that date forward, negotiate a settlement, take current payments from me on this account, in fact they are refusing to workout a payment option & are attempting to sell my house on XX/XX/XXXX over approximately {$7000.00}. + legal fees. They owe me {$20000.00} + an adjusted balance. 
The fact that Wells Fargo can not produce their information or documentation, is not a valid reason to deny my evidence. They will avoid a resolution until I have to take legal action. I can not believe Well Fargo is once again getting away with illegal practices, one that is even much more damaging than opening extra unauthorized bank  accounts. Your help will be greatly appreciated.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX  XXXX $ XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Consumer complaint received 2020-09-07
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: EQUIFAX, INC. (WA)

Complaint is with Equifax. 

Seven hard inquiries continue to be reported on my credit report. I have sent several letters including a fraud report confirmation number, Fraud report of identity theft, and Equifax information breach report to Equifax  requesting removal of the following fraudulent hard inquiries from. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

XX/XX/2022 Chime A person came into my account posing as a Chime agent Access my account in lock me out for over XXXX hours and withdraw {$5500.00} from my XXXX XXXX XXXX {$200.00} from my savings Chime is not trying to do anything about the situation even though Ive been in dispute and two police reports,
Consumer complaint received 2021-05-06
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. (TX)

I have been a victim of identity theft for over 15 years, I contacted the credit bureau companies XXXX Experian and XXXX and provided police reports and filed disputes several times. These items are now charged off and have now adversely affected my credit. These reporting agencies refuse to remove these items. I am in the process of purchasing a major purchase yet these items remain on my credit file after years of disputing them. The following are some of the ones in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX XXXX IS TRYING TO COLLECT FROM HSBC, A DEBT OVER 11 YEARS AGO WHICH WAS DISCHARGED. 
THEY SHOULD NOT BE ALLOWED TO HARASS ME AS I AM XXXX, WAS ON MEDICAL, MEDICARE, AND HAVE NO INCOME WHATSOEVER. 
THE STATUTE OF LIMITATIONS APPLIES TO DEBT IN THIS CATEGORY In California the statute of limitations period on debts is 4 years ; Debts that have lingered longer than the statutes allow are often referred to as " time-barred debts. '' I WANT THEM TO BE TOLD TO STOP TRYING TO COLLECT.
Consumer complaint received 2021-03-19
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. (SC)

Equifax is reporting the account with XXXX  inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Equifax to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Equifax is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX, l had inform the bank wells fargo that l had authorized the transaction shown on my bank account on XX/XX/XXXX as the sum of {$99.00} and quickly objected to the dating service by dream singles. The bank had in a letter from the bank, letter of date of XX/XX/XXXX inform me that the {$99.00} provided to me on XX/XX/XXXX provisionally because of the transaction that had occurred on XX/XX/XXXX will be deducted from my checking account on XX/XX/XXXX, that had occurred because of the bank reversal of the sum of {$99.00} for the service, dream singles. The letter the bank had sent to me had went on to say that, if l have questions or would like to take advantage of my right to request copies of the documents that well fargo had relied on in making their decision l can contact the bank, wells fargo. When l had contacted wells fargo, l was inform by the customer service representative that. It will take up to 30 days for the bank to provide to me any of the documents, the bank had relied on in making the decision concerning the transaction posted to my checking account on XX/XX/XXXX. Which is a violation of any law of any nation and the rule of the federal deposit insurance commission and of the consumer financial protection bureau that would require any evidence that was use in posting a bank account transaction and in making any decision involving a bank account transaction or atm withdrawal involving a pin number so as, to verify that any of such transaction was made to be supplied immediately because the transaction was posted on my checking account by the company, wells fargo bank for the accuracy of any transaction stated on the checking account that l have at the bank, wells fargo. Any of the dating service company mention in my letter, had said that any member can cancel his or her membership without notice.
Consumer complaint received 2022-10-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (FL)

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA XXXX XXXX Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (FL)

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXXXXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2022-04-06
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-29
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMSSED XXXX
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

I mailed a request to XXXX, Equifax and XXXX  to remove the fraud alert on my account. The letters were received on XX/XX/2020 ( see attached receipts ) As of today I still see the alert on my report on all 3 bureaus.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

My husband is the primary on our JC Penney account but never uses it. We have had this account for 10 years in perfect standing. I use the credit for clothing for my school age son mostly. In XX/XX/XXXX or XX/XX/XXXX I discovered our credit limit had been lowered from {$400.00} to {$200.00} without notice because my credit monitoring agency informed me that this action adversely affected my fico score. Thus, in XX/XX/XXXX I paid off the balance & have not used the card since. Now I find out the account has been closed. Again, without warning or provocation. I called to find out why & was unsatisfied with the customer service. If my many years of faithful business is not valued and a paltry {$200.00} line of credit poses a risk to XXXX XXXX, I will NEVER shop at JC Penney again!
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WA)

CHAPTER XXXX BANKRUPCY : BANKRUPTCY XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

As of early XXXX, Chase online banking no longer works under XXXX XXXX XXXX, XXXX XXXXXXXX, or XXXX. XXXX 's newer OSs - XXXX and XXXX XXXX - won't run the music production software used by recording studios. 

I need to be able to access online banking on my desktop XXXX so I can print out my credit card purchases and business account information for doing my taxes. Chase bank quit sending paper statements a few years ago - not something I requested. I prefer paper statements for doing my taxes, but they don't offer it anymore, or if they do, they don't make it clear how to restore paper statements to my 4 accounts. Plus, I'll need paper statements from XX/XX/2021 through today. 

Chase is telling me, if I want to be able to do my taxes, I need to buy a new computer that I won't be able to use for my business of music production.
Consumer complaint received 2021-03-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: STERLING JEWELERS, INC. (WI)

I received a call at my employer on XX/XX/2021 in the afternoon from a person named XXXX from XXXX XXXX. He stated I owed {$480.00} to sterling jewkers. I told him I could not receive these types of calls at work. He asked me if I was refusing to pay my bills. I told him that this was not an appropriate call for work. He then stated he could call my HR department about this matter. I feel my rights were violated with that threat. I fear he will continue to harness me.
Consumer complaint received 2019-08-15
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)

CHAPTER XXXX BANKRUPCY : BANKRUPTCY XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.