davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (CA)

In accordance to the Fair Credit Reporting has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX # XXXX Balance {$3600.00} XXXX XXXX # XXXX Balance {$5500.00} XXXX  XXXX XXXX  # XXXX Balance {$30000.00} Opensky XXXX Balance {$140.00} XXXX XXXX # XXXX Balance {$850.00}. 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX, XXXX, and Equifax to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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. 
Also any Address other than XXXX XXXX XXXX XXXX XXXX CA XXXX need to be removed. 

Sincerely XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified discrepancies.I attached the letter together with the FTC.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNTS 11. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-02-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recov Assoc, Promise to remove the collection off the credit if I paid the settlement, which I did and it's still shows on my credit years after.
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (SC)

I traveled to XXXX, XXXX, XXXX, XXXX and XXXX in XXXX, XXXX, and XXXX and my XXXX Card, which advertises " no foreign transaction fees '' charged a few dollars higher for each transaction made during my travel. I called on XX/XX/XXXX and was told they charge a " interchange fee '' which is built into their exchange rate. They use an inflated currency exchange rate. The rates are found on this website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They don't use the real currency exchange rate, they use a higher one that will get more money for them on each transaction.
Consumer complaint received 2019-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC (SC)

This alleged debt was already removed from my credit report. I request documents from this company that I never received. What I did receive was a letter stating that the debt was mine and they have updated their internal records.I explained to Ditech that I am aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, until Ditech provides me with proper validation of this debt, they are not allowed to pursue any collection activities, including reporting this information on my credit report.
Consumer complaint received 2017-12-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NV)

Dear Sir/Madam Re : Case numbers 1. Complaint XXXX about WELLS FARGO BANK 2.  Complaint XXXX about WELLS FARGO & COMPANY. 

Even though we complaint to CFPB but we still did not get any resolution from Wells Fargo yet, instead of they are forcing us to close the application in short period of time, if not we are responsible for addition fees or we have to drop the case. We feel we got treated unfair and discriminate from Wells Fargo as we have been pushing them to resolve the issue since XXXX XXXX by sending almost daily email. We keep following up with them day after day, and month after month until XXXX XXXX, XXXX that they force us have to close our loan in XXXX XXXX, XXXX which is a week from now. Due to the holidays season is just around the corner and we have tied up with other things we need to take care off. We knew XXXX XXXX is not a good schedule for us to deal with the loan situation ; therefore we have been pushing Wells Fargo since XXXX XXXX by sending daily, monthly emails trying to cooperate with Wells Fargo to resolve the issue prior to XXXX XXXX. But unfortunately, day after day and months after months, they ignore our request completely. We feel like we have been treated unfair due to discrimination and racial from Wells Fargo Bank.
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sound Collection Services (TX)

Re : Personal Business Matter XXXX XXXX XXXX XXXX Fri XX/XX/2019 XXXX XXXX  Claims, Disputes, Receipts To : Customer Service ( XXXX ) ; To help protect your privacy, some content in this message has been blocked. To re-enable the blocked features, click here. 
To always show content from this sender, click here. 
Per my attorney, and the the FTC.gov, put your complaint in a letter and mail it. I will not be downloading any PDF files, nor uploading any of my personal info. Stop emailing my business, or you will be blocked. Have a good one. 
From : Customer Service XXXX Sent : Thursday, XX/XX/2019 XXXX XXXX To : XXXX Subject : Personal Business Matter Your eDocument is best viewed using the latest version of the Adobe Reader - get it here XXXX Welcome to eNotice - Please review this email carefully. This email has been automatically generated. 
Use the link in the contact us section to send an email response. 
XXXX Authenticate Your Details : XXXX XXXX XXXX Dear XXXX XXXX XXXX, Our records indicate that we have your permission to communicate with you via email at the following address : XXXX To open your secure enotice document : 1. Open the PDF attachment. 
2. Please type the last 4 digits of your Social Security # to open the secure enotice pdf. 

We are committed to customer satisfaction. If you have any questions, please reply to this email or call Customer Service at XXXX. 

Sincerely, Customer Service XXXX Your eDocument is Secure This eDocument is encrypted for your protection. To view the document Please type the last 4 digits of your Social Security # in the Password field of the PDF. 

XXXX Get Adobe Reader You'll need the Adobe Reader to view your secure eDocument. Get it now. 
You may contact us at : Customer Service Department XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX Email : XXXX Unsubscribe Instructions If you do not wish to receive these emails please unsubscribe.
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (FL)

I am a victim of Identity theft. I have enclosed and Identity theft report and letter citing all the fraudulent accounts on my credit report. Under 15 USC 1681c-2, I demand you to Blocked and Removed these items on my consumer report.
Consumer complaint received 2017-12-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The dealership finace officeXXXX XXXX misrepresented information on the APR rate in closing our vehicle purchase on XXXX/XXXX/XXXX. When presented with our Bank of America online pre-approved apr of 2.24 %, XXXX insisted that our auto loan and purchase contract can only be written at 3.97 % from the same Bank of America at the time of our closing but the rate will be adjusted once he worked through the application with Bank of America XXXX department. When asked, he told us no further actions needed on our side. Everything will be taken care of. When we got the bank approved letter with XXXX APR, we made it available immediately to dealership on XXXX and again on XXXX. The dealership did not make any indication that they are not going to process the pre-approval letter. When the loan is established in our Bank of America account, we see the APR did not get adjusted as we were informed. We contacted dealership couple times, no response. I got suspicious and contacted BoA on XXXX again as i did not get a response from my call and email to my Bank of America loan officer. I was told by another Bank of America agent that the loan was processed at the dealer without the preapproved apr rate. I finally got dealerships response on XXXX/XXXX/XXXX. We were told the rate canot be changed and we would need to refinance. I sent an email as an official writen request to ask about their fraudulent practices on the same day, they immediately called and tried to resolve the issue but no real offer.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of Identity theft. I have enclosed and Identity theft report and letter citing all the fraudulent accounts on my credit report. Under 15 USC 1681c-2, I demand you to Blocked and Removed these items on my consumer report.
Consumer complaint received 2021-11-05
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. (TX)

I have called and repeated explained to Transunion I was A victim of identity theft which resulted in several hard inquiries that are all fraudulent. I have reached out to the companies listed and they have all informed me to file A dispute with the credit bureaus. When I called the credit bureaus I was told to contact the creditors. I have now added A freeze to my account and changed all passwords as someone had access to my information and was using it. Since I have changed all passwords and would like to have all inaccurately reported hard inquiries removed. There are 24 hard inquiries showing total. Some of them even show 3 and 4 pulls in the same day from the same companies. I have listed below the inquiries i am requesting be disputed along with the dates. Addionally I have attached my social security card and drivers license for security. 


XXXX XXXX & XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, ( multple for same dates XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX , XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-04-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

On XXXX XXXX, 2015, the Jeep wrangler I was leasing from Chrysler Capital was totaled in a car accident. My insurance carrier submitted a check in the amount of {$37000.00} to cover the balance of the lease pay-off. Chrysler acknowledged that the check was received in their mailroom, but was somehow lost. I contacted Chrysler to find out the status of the pay-off check several times. 
During this time I continued to make the scheduled payments which were due on the XXXX of each month. I was also required to pay a {$490.00} lease return fee, even though the car was not returned, but totaled in an accident. 
Chrysler accepted my payments and assured me that they would credited to my account because they were not late and my credit would not be adversely affected because I continued to make my scheduled payments. In fact Chrysler Capital sent a refund check for approx. {$1700.00} to reimburse me for the payments I made during the time they are claiming I was late paying them. 
This turned out to be untrue, Chrysler intentionally reported late payments on my credit even though I made my payments within the time frame required. 
Attached is a complete history of my payments to Chrysler Capital.
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (WA)

In XX/XX/XXXX, I received a collection notice from Linebarger Goggan Blair & Sampson in the amount of {$92.00} for XXXX XXXX XXXX State toll collection charges. I immediately called to dispute the charges, and let them know that my XXXX account was closed in XXXX when I moved out of state to XXXX state. I let them know that I physically had not been or driven any vehicle in the eastern seaboard in a decade, and this was not my charge. I asked them to verify or remove the charge and they refused. I subsequent received a second collection notice and called them again on XX/XX/XXXX. I once again called them to say that it was not my charge. They again refused to verify the debt or remove it. They gave me the information that the toll was incurred by an XXXX car with XXXX license plates in XX/XX/XXXX. I let them know that I never owned nor drove an XXXX car, nor have I ever owned a car registered in XXXX XXXX. Additionally, I was not in or near XXXX XXXX state in XXXX. My vehicle is not an XXXX, has XXXX state plates and has never been in or near the east coast. They continued to still refuse to work with me, and refused to verify the debt. I believe that this is predatory collection practices as it's clear that this is not my debt.
Consumer complaint received 2019-05-15
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: Southwest Credit Systems, L.P. (NY)

The following accounts were added to my credit report fraudulently and I've never given consent to even run my credit. I need these accounts removed immediately. 

1 ) XXXX XXXX ( XXXX XXXX ) {$1100.00} 2 )  SW CREDIT SYSTEMS L.P ( XXXX )
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-12-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I 've complained to Huntington they closed my local bank to allow the shareholders and CEO 's to profit more by making us stand in long lines. There is no accountability in banking anymore. The CFPB is doing nothing to hold these banks accountable. The tellers make nothing compared to the shareholders and are overworked and underpaid. We still do n't know who owns the notes on our houses. The banks are worse than 2009 in my opinion. It 's a scam.
Consumer complaint received 2024-01-30
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: Experian Information Solutions Inc. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

On XX/XX/2018, I went to XXXX XXXX to purchase a wedding dress. When I walked in the bridal shop, there first question they asked me was, " what size are you ''? I told them that I am a size 4. They measured me and said that based on my measurements, I am a size 8. I assured them, that I am not a size 8. They were insistent and said that based on the designer 's sizing, I measured that size. I took them for their word, and put down a deposit of {$600.00}. The wedding dress came in a few weeks later. I went in for my fitting and the dress was too big! XXXX XXXX told me that now, I would have to pay {$650.00} and get four alterations to the dress. This doesn't make any sense. If you measured me to the designers measurements, how is it that the dress doesn't fit? I contacted the Dispute Unit at Citibank and they initially reversed the charges and gave me the {$600.00} deposit. XXXX XXXX responded and said that I signed everything and that all sales and showing the manufacture 's sizing for the dress. Well that doesn't matter, because the dress still fit too big. And it doesn't matter if I said any documents. This wasn't a final sale, and people break contracts and leases. Just because I signed something, doesn't mean that XXXX XXXX wasn't deceitful and dishonest. I realize they measure you to a bigger size, so that later, they can charge you more for alterations. I found an article from XXXX magazine that supports my complaints regarding XXXX XXXX. XXXX XXXX XXXX. This was a celebrity who came into the store and she is normally a size 12, and they told her that based on the measurements, she as a size 18. When she went to the fitting, it was way too big and she complained and got her money back. I am not a celebrity, but I should be treated with the same respect as she was. I feel ignored and honestly betrayed by Citibank. I've been with them for 13 years, and they decided to take the merchants word on this. It's disappointing. All I want to do is a plan a wedding and not think about this any further
Consumer complaint received 2017-12-09
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. (FL)

Experian is still reporting a account with XXXX XXXX on my credit file, after i have filed a dispute and asked for written verification several times. Both XXXX and XXXX have removed this account. Experian has not and will not provide me with any documentation that this account is mine. I have requested for them to follow suit with the other credit bureaus and they still have not responded. When i call they transfer me to a " special handeling dept '' and i just keep getting the same answer, " it has been verified '' well, if that is the case please have them tell me how it was verified and by what means, provide me with some kinda documentation. This is affecting my credit score greatly, i have a 100 % on time payment history and i am in the process of buying a house and i need to have this taken care of in order to proceed. The account is reporting paid in full but if its not my account and its paid in full why havent they removed it? Please help me resolve this issue so i can continue on my home buying journey. Thank you in advance