davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
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. (PA)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights 1. XXXX XXXX XXXX - Account # XXXX6, 2. US Department of EDU - Account # XXXX, {$1800.00} 3. US Department of EDU - Account # XXXX, {$7500.00} 4. US Department of EDU - Account # XXXX, {$2400.00} 5. US Department of EDU - Account # XXXX, {$4200.00} 6. DPT ED / XXXX - Account # XXXX 7. DPT ED / XXXX - Account # XXXX, {$9000.00} 6. DPT ED / XXXX - Account # XXXX, {$16000.00} 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE (OH)

I am requesting that Barclay Bank waive/refund the late fee of {$29.00} incurred in XX/XX/XXXX due to what I believe are several system errors through no fault of my own. Barclay customer service advised that they never received a payment in XX/XX/XXXX. But I never cancelled any of my {$86.00} payments! I have included all the documents which prove the payments and transactions and errors. 
XXXX approved for Barclaycard Financing Visa for an XXXX XXXX purchased XXXX on XXXX website for {$1500.00} and I set up automatic payments 7 days prior to the due date for {$86.00} for 18 months on the Barclay Bank website. 
XXXX I decide to increase the payments to {$130.00} to pay the loan off early. 
XXXX **** This is the 1st system error occurred as I discover that the monthly payment doubled : Your scheduled payments of {$260.00} pays the minimum amount due of {$29.00} by XXXX XXXX document is attached. I write to Barclay : I just revised my monthly payments to {$130.00} per month ... this is now showing up as {$260.00} double what I authorized! Please correct this. 
XXXX Barclays claims my payments are only {$130.00} : Upon review, we can confirm that your account is currently enrolled in recurring payments. Our records show that your payments are set up for {$130.00} to be applied monthly on the payment due date. 
XXXX Because of issues with the Barclay automatic payment system I change the monthly amount back to {$86.00} with auto payment scheduled 7 days prior to the due date with screen clearly showing XX/XX/XXXX as the next due date. I receive a confirmation. 
XXXX XXXX This the 2nd system error. I receive an email that the {$130.00} has been cancelled. However - I never received any notification that Barclay had cancelled the {$86.00} payment for XX/XX/XXXX! 
XXXX I anticipate paying off the loan in XXXX as calculated via my auto payments but discover that the Barclay website shows that I owe a balance of {$200.00} rather than {$86.00}. I spoke with XXXX in Barclay customer service that my balance shows {$200.00} instead of {$86.00}. She verifies that 18 month payments of {$86.00} would pay off {$1500.00} by the last due date in XX/XX/XXXX. She discovers that there was no payment in XX/XX/XXXX and that I incurred a late payment fee of {$29.00}. Not good since I never cancelled any of my {$86.00} payments! Note also that the payments resumed in XX/XX/XXXX without any further action from me. 
I have gone ahead and paid off the {$200.00} balance and cancelled the XXXX {$86.00} payment. 
I request that the {$29.00} be refunded.
Consumer complaint received 2022-04-30
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. (PA)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights 1. XXXX XXXX XXXX - Account # XXXX, 2. US Department of EDU - Account # XXXX, {$1800.00} 3. US Department of EDU - Account # XXXX, {$7500.00} 4. US Department of EDU - Account # XXXX, {$2400.00} 5. US Department of EDU - Account # XXXX, {$4200.00} 6. DPT ED / XXXX - Account # XXXX 7. DPT ED / XXXX - Account # XXXX, {$9000.00} 6. DPT ED / XXXX - Account # XXXX, {$16000.00} 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX
Consumer complaint received 2022-01-13
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. (MD)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-06-08
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: General Motors Financial Company, Inc. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

SOMETIME IN XXXX  OF XXXX AND XXXX OF XXXX THERE WAS TWO ACCOUNTS OPENED IN MYNAME WITHOUT MY CONSENT. I HAVE TRIED WORKING WITH THIS COMPANY DIRECTLY WITH NO RESPONSE. THE AMOUNTS ARE {$2200.00} AND {$400.00} DOLLARS. PLEASE ADDRESS THIS ISSUE AS SOON AS POSSIBLE ....
Consumer complaint received 2021-01-21
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: AMERICAN EXPRESS COMPANY (TX)

My XXXX Consumer Report View/Soft Inquiries of American Express reporting every three days starting XXXX a soft inquiry which have been constantly pulled on my credit profile. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.
Consumer complaint received 2022-04-30
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. (TX)

In accordance with the fair credit reporting act Account : XXXX, Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-02-02
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-06-08
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: Experian Information Solutions Inc. (NJ)

On XX/XX/21 I received an alerts from XXXX and XXXX that my credit had been run on Experian by XXXX XXXX XXXX. XXXX placed a fraud alert on my account and I contacted XXXX XXXX XXXX on XX/XX/21 and XX/XX/21 and they said they couldn't find anything. On XX/XX/21 I ran my credit report on Experian and was able to find the hard inquiry from XXXX XXXX XXXX. The Experian site says that hard inquiries can not be disputed online and direct you to a phone number, XXXX, that gives you the run around and makes it impossible to actually speak the " account specialist '' they direct you to call online. They essentially make it impossible to dispute the erroneous hard inquiry.
Consumer complaint received 2021-04-01
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. (IN)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2021-06-08
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: JPMORGAN CHASE & CO. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-06-08
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: United Revenue Corporation (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2020-12-04
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. (IL)

Dear XXXX, XXXX, Transunion, and XXXX  Thank you for sending me your internal records of the debt ( XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards me and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY LEASE FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2022 my account with XXXX was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : XXXX XXXX XXXX XXXX, XXXX Client Account # : XXXX Our Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX This letter acknowledges the receipt of payment ( XXXX ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved. 
Amount Paid : {$760.00} Date Resolved : XXXX
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Called credit card company and advised of fraudulent charge of {$190.00} dated XX/XX/XXXX. Company refused to do anything including wouldn't issue new credit card.
Consumer complaint received 2021-02-05
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 (CA)

On XX/XX/XXXX I was contacted by The Law Offices of Mitchell D Bluhm & Associates, LLC about an alleged debt in the amount of {$2100.00} to a creditor named XXXX XXXX XXXX. For emergency services supposedly received on XX/XX/XXXX at XXXX XXXX XXXX XXXX. They said that the debt was originally with XXXX XXXX XXXX XXXX but they sold it to XXXX XXXX XXXX. I let them know in writing that I HAVE NEVER BEEN at XXXX XXXX XXXX XXXX EVER or requested any services from that medical center. They claim that I received emergency services on XX/XX/XXXX and it is completely FALSE. I requested proof that this bill/account belonged to me and in return they sent me a confusing, innacurate statement of account with an address where I never lived XXXX XXXX XXXX ... and a medical account number that was not verifiable ( XXXX I tried to log in into the website they provided ( XXXX ) to see the details of this bill and it doesn't match any records. The medical account they have in the statement doesn't match with my date of birth. It is fraudulent and fake.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

I have {$7200.00} in funds tied up in my now closed Wells Fargo account that I have not been able to gain access to or retrieve funds from since XXXX XXXX XXXX. My sister sent the funds to my personal Wells Fargo checking Account from her XXXX XXXX checking account. Wells Fargo flagged the transaction as fraudulent immediately, and froze my personal checking and savings account. An email was sent to me stating the next steps they would take and a letter was also sent in the mail from WellsFargo via XXXX. The letter stated the transaction was on hold due to an expected dispute by the sender to be filed. It stated that if a dispute was filed by the sender ( whom was my sister and sent the funds to me willingly- not by accident or fraudulently ) then the funds would be returned in a check to her name/address. It also stated if no dispute was filed within 60 days that the funds would be released to me and mailed in a check form for the remaining balance that was in my checking & savings account. There was never a dispute filed or intended to be filed as I stated my sister sent the money directly to my Wells Fargo account. I have reached out to Wells Fargo countless amounts of time. They will not release my funds to me and I am at my wits end with this company as they are holding my money for no apparent reason, and basically insinuating it to be fraud when in fact there was no fraudulent activity, clearly there was also never a dispute filed either. There is no reason why I have not received a check with my funds from my account that they froze XXXX of 2021 and closed for absolutely no reason.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2022 my account with XXXX was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : XXXX XXXX XXXX XXXX, XXXX Client Account # : XXXX Our Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX This letter acknowledges the receipt of payment ( XXXX ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved. 
Amount Paid : {$760.00} Date Resolved : XXXX
Consumer complaint received 2018-02-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rausch Sturm LLP (TX)

On XX/XX/2016 I was unable to use my bank account, called the bank and was told that the account had a receivership placed against my account from a law firm. I only received the notice of a lawsuit, I did not sign for anything. When I called the firm I was told that the only way to stop the block was to pay off the amount and was asked if I could " borrow '' or get a credit advance to pay it off. The firm is XXXX, XXXX. The number is XXXX. When I first called them to try and offer a plan I was told that I can only pay the full amount and that they have a hold on my account so nothing they can or will do. The first person was rude and unwilling to offer any help. I asked to speak to a manager and was put on hold for over 20 minutes then was hung up on. Tried calling back within 30 minutes and was kept on hold for hours. Talked to them the next day and was once again told that with them having my account nothing could be done.
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC (FL)

Debt collector under the name ( credit management company ) put a derogatory mark on my credit score that left my credit with a XXXX points. From a debt I paid off 6-7 years ago, this company from what Ive read, does this often to people, they commit fraud. By reusing old debts paid off or by plain making the debts up. This is a fraud and a scam company that needs to be stopped not just for my sake but the poor elder people that stress just as much as I do over these things.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

My name is XXXX XXXX, I'm a Citi bank credit card holder for many years. Citi bank sent me an invitation to open a Citi gold checking account. On XX/XX/2021, I open the Citi gold online and I transferred {$200000.00} from my XXXX  XXXX XXXX account. 

I received the debit card after a week, the card number is XXXX XXXX XXXX XXXX. Checking account number XXXX, saving account number XXXX. But when I tried to activate my card, I was told that the account was closed by fraud department I called the customer service and the fraud department a couple of times, they said they couldn't tell me the reason why my account got closed and I would receive my deposit by mail within 30 - 60 days, or I can go to a local branch and ask for a cashier check. 

On XX/XX/2021, I went to a Citi bank branch at XXXX XXXX XXXX XXXX, XXXX, IL XXXX regarding my deposit. The banker XXXX XXXX told me that theres nothing the branch could do because I created and deposited the money online. 

While I was in the branch, I called citibank fraud department and trying to let them talk to the branch to come to a mutual agreement because I felt that I was kicking around by the fraud department and the branch which none of them could help me. My XXXX is locked in citibank and I want to get my money back. 

This is very frustrating and inconvenient for me as I need my money as a down payment for my property in need. Nobody in Citi bank would like to help me out. I'm so disappointed with Citi Bank. They sent me invitations to welcome me deposit XXXX to their bank and locked it away from me. Without this money I cant pay my down payment, I will miss the house I love so much. Its so devastating, I will never use citibank again.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TN)

checked with Chase prior to sending a wire in the amount of {$470000.00} for principal reduction. THe wire was sent at XXXX Central time on XX/XX/2021 and should have posted to our account on XX/XX/2021. As of XXXX XXXX  on XX/XX/2021 they are telling me it is still being researched and it could be 3-5 business day before they have any answer, They had me upload the wire confirmation to them and should be able to track quickly but are not willing to do so