davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX AV XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, Fraudulent accounts XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date Open XXXX XXXX, XXXX Balance Balance {$0.00}, and XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

I was scammed out of my Checking, Savings and reserve line. I had Provsional money added to my account for the amount of {$7500.00}. That is a little less than what I was scammed for. Now they have stated, they are going to reverse it because it was authorized. The scammer scammed and manipulated me into getting gift cards they claimed was an overpayment for renewal service that was done. The XXXX XXXX  did do service 2 years ago and I thought the email was from them and that I overpaid them. It was ALL A Scam. Now the bank wants to TAKE MY LIFE 'S SAVINGS. I've been with US Bank for XXXX yrs and worked for them XXXX yrs. HOW and WHY would I authorized scammers to TAKE MY MONEY. What is FDIC for? I am at retirement age and that was ALL I had. I need help in getting my money back into my accounts. PLEASE HELP..
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (TX)

Equifax is reporting the following medical debts that have not been validated and updated with the company name or contract information. I don'tknow 1 ) if this is my debt 2 ) if it is my debt WHO I Owe and where to pay. 
I have already disputed with Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 
I have a right to an accurate credit file and this type of inaccuracies is unacceptable. 

Account NoXXXX Amount {$77.00}
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I wrote to Equifax requesting an investigation into items that i believed to be inaccurate. To date I have not received a reply from Equifax or any acknowledgement that an Investigation has started. I've attached my proof along with the accounts.

Equifax is not complying with their own policies in a timely manner. Equifax did not comply with their policies to complete and investigate items within 30days
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (NC)

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX  XXXX Balance : {$8500.00} ; XXXX  XXXX Balance : {$4200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX PL XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX  Date of XXXX XX/XX/2020 ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$8500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (GA)

An account named " XXXX, XXXX '' has been reporting inaccurately on my EQUIFAX credit report for some time now. I have disputed it several times over the past couple of years and I have provided police reports and other documentation showing that my identity was stolen. I have submitted all proof to the credit bureau multiple times showing proof that the account showing on my credit report is inaccurate. EQUIFAX keeps replying giving false information saying that they completed an investigation and the information on my credit report has been confirmed. That is absolutely incorrect and illegal to falsely state that when it couldn't possibly have been investigated otherwise they would learn that the account is inaccurately reporting. I have attached a letter from the creditor themselves saying they show no account in my name. This is so unfair, unethical and more importantly illegal to report inaccurate information. I have exhausted all options and patience and now have no choice but to take further action at this point. 

I have requested to remove the account from my credit file as it is inaccurate and negatively impacting my credit score. It's unfortunate that I have to deal with the consequences of EQUIFAX 's mistake and that I have to go through this extent to prove the truth. I hope this matter gets resolved sooner than later because I refuse to give up for what is right!
Consumer complaint received 2018-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (CA)

Bank of the West performed a double withdrawal from my daughters account for a car loan which I am the primary loan holder and she is the comaker but it is her car in XXXX of XXXX. When she requested that the excess be returned they stated that it would take a minimum of 2 weeks to process. Since my daughter could not wait that long to get her money back she performed a stop payment of the XX/XX/XXXX payment, and then repaid the payment using a different account. My daughter was not able to use her bank account to make payments any more. My credit started to suffer this year and I began to receive higher interest rates and poor credit scores. I was not aware as the reason why. 
It came to light in XX/XX/XXXX that Bank of the West was reporting that a payment for XX/XX/XXXX was never made. However, proof was faxed, then refaxed and emailed that this was not the case, and the payment was up to date. Allowing 5 or more business days each time to allow for them to examine and correct. Both my daughter and myself continued to get the run around of them not receiving the information and that is why we had to keep submitting the documents in various forms. The last conversation it was stated that we received a check refund on XX/XX/XXXX and that is why we continue to be behind a payment ; however, we never received a check. They also could not provide a copy of the check or a cancelled deposit check. We need your help to resolve this as it has seriously hurt our credit and Bank of the West has been so difficult to deal with.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Paypal allowed fraud on my account, allowing a person to not only enter my account, but to change the email address and to lock me out of the account. 

The same actions happened on Paypal sister company, Venmo A bank transfer was then processed, withdrawing {$740.00} from my checking account, despite my alerting Paypal of the fraudulent use of my account. 

Notifying Paypal was difficult, as all communication requires logging into an account that Paypal allowed me to be locked out of. 

Emails have gone unanswered My email address was NEVER compromised and I never clicked on a link to enable the fraud. Paypal and Venmo both allowed someone to change my account login simply using a phone number - no passwords or security questions were ever required to stop the fraud. Paypal keeps trying to say this fraud was my fault and refuses to acknowledge that with only a phone number, an account can be fraudulently accessed.
Consumer complaint received 2021-04-12
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. (NY)

I have 4 Inquiries on my Equifax credit report that are due to Identity Theft. 
I did not authorize these Inquiries and I do not recognize these Inquiries. 

XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (AZ)

On XX/XX/2021 at XXXX XXXX, a debt collection representative with the debt collection agency Hunter Warfield called my cell XXXX. The representative was very rude and being difficult with me. Because he was being so rude and difficult with me, I told them to never call my number again. After me saying this to him, he sighed and then hung up on me. Despite me telling them to desist calling me, they still call. The very next day they called again. XX/XX/2021 at XXXX XXXX  is the date they called me again. Then Hunter Warfield called me again on XX/XX/2021 at XXXX. This is a FDCPA ( Fair Debt Collection Practices Act ) violation. Hunter Warfield is able to be sued for up to {$1000.00} for each violation now. I Record all of my calls with a call recording app, and your lines say the calls are recorded as well. So if I take Hunter Warfield to court, they are required to furnish those recordings to the judge. The debt collection representative didn't read the mini Miranda too!! Hunter Warfield is violating my rights! Also the company from which this balance originated from did not give me a chance, or any options to pay any balance down before just sending something to a debt collector. Also, I left that apartment complex because they had apartments filled with SEWAGE AND IT WAS MAKING ME SICK!!! XXXX XXXX ADVISED ME TO LEAVE IT ASAP!
Consumer complaint received 2020-12-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (WA)

Transferred money from my XXXX XXXX account to my Wells Fargo account via XXXX XXXX. XXXX XXXX has given me receipt numbers from Wells Fargo that they have the money since XXXX XXXX. Wells Fargo however says they dont recognise these numbers and the money is with XXXX XXXX. 

The numbers XXXX XXXX claims Wells Fargo gave them for the XXXX transactions are XXXX and XXXX. 

I am stuck between these XXXX where they both are not sorting out my problem and the only thing they say is the other has the money and i should contact them.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

After reviewing my credit reports in XX/XX/XXXX, I requested assistance in resolving continued negative credit bureau reporting that my loan is both 120+ days late, in collection or other negative reporting, all while being discharged under the XXXX XXXX XXXX XXXXXXXX ( XXXX  ) in XX/XX/XXXX, with a current XXXX balance due indicated. 

My XXXX  XXXX XXXX account, listed by the credit bureaus, continued to report false information, while the credit bureaus claim is the direct results of updates from XXXX XXXX XXXX. It is being reported that my account is 120+ days late in XXXX ( Equifax ), after the XXXX XXXX XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

My U.S. Dept of Edu account, listed by the credit bureaus, continue to report false information, while the credit bureaus claim is direct results of updates from U.S. Dept of Edu. It is being reported by XXXX, XXXX  & Equifax that my account is 120+ days late in XX/XX/XXXX. The Equifax status under XX/XX/XXXX is " CO '' and under XX/XX/XXXX is " 120 ''. All of this, after the XXXX XXXX  XXXX XXXX ( XXXX ) discharge process in XX/XX/XXXX. 

After attempting to find a solution by contacting numerous entities, I was unable to achieve a clear or timely response as to the responsible department ( s ) for reporting a veterans credit status, post-approval of the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process. 

Offices contacted include : Dep of Edu XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) Debt Mgmt XXXX XXXX XXXX XXXX ( prompt 0 w/o SSN ) I look forward to this matter being completely resolved by the immediate correction/update to my XXXX, XXXX  & Equifax ; where this reporting is in error. 

Respectfully, XXXX XXXX veteran Thursday, XX/XX/XXXX XXXX
Consumer complaint received 2021-10-08
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: T.S. Holdings (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I contacted Citi through their website ( terrible website ). I was told they do not have any customer service in the United States ; I could barely understand this person, he couldn't speak English. He refused or couldn't communicate with me regarding the interest rate that Citi is charging me nor transfer me to anyone that could help me. I called Citi by phone, the person that answered the phone could not speak English. The interest rate that Citi is charging me is XXXX. Citi -and a few others banks-owns the federal government and stole {$25.00} XXXX, excuse me it's called Covid, Citi 's rapacious interest rate on my account is egregious.
Consumer complaint received 2018-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

FINAL NOTICE Re : Notice for Proof of Claim To Whom it may Concern : This is a legal and REQUEST FOR DOCUMENTATION. XXXX XXXX. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( 1959 ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is XXXX XXXX XXXX. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 

Also I have received a statement claiming that I owe a debt to Choice Recovery and that you are the collection company. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin.

Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.

I also request to see a certified copy of any contract or agreement between you and XXXX XXXX XXXX XXXX that gave you the right to collect this my HIPPA Protected debt?
Consumer complaint received 2022-06-26
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. (FL)

In accordance with the Fair credit reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C Section 602A, states I have the right to privacy.

15 U.S.C Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A. (NJ)

In early XX/XX/XXXX PNC Bank ( updated ) installed a new HELOC program, changing/updating all components of existing loan, ie. account numbers, the way payments are applied. They suspended all activity for a week. I was unable to make any payments, transfers, etc. for that period of time and unable also to see my balance online. 

On XX/XX/XXXX I went to the branch in XXXX NJ to make a principal payment on my HELOC of {$5000.00} and to inquire why there was a payment made automatically of {$130.00} to principal. It was supposed to come out automatically, and it did, but it incorrectly applied payment to principal, making the standard pymt for XX/XX/XXXX unpaid, due to system " glitch ''. I sat down with a branch employee to correct problem and was there between a 1/2 hour to an hour waiting for someone from the HELOC department to assist and correct this problem ( I had been on the phone the day prior on hold for more than 1 hour trying to solve same problem ). Finally on XX/XX/XXXX the payment was reversed and reapplied and showed as " other '' payment. No indication what portions were applied to principal/interest. My {$20.00} online payment from that same XX/XX/XXXX day was also incorrectly posted as interest. After numerous phone calls and hours on hold the problem has not been solved. I was promised on XX/XX/XXXX by a Manager of the Escalation Department that all would be corrected by Monday, XX/XX/XXXX and that she was sure this was enough time for the problem to be fixed. I called again on XX/XX/XXXX and left her messages and spoke to another Manager of Escalation Department because I was unable to reach her or hear back from her. I was assured the problem was being worked on but that the department that investigated had not completed the task. 
On XX/XX/XXXX I called Manager of Escalation Department again and I was told again that the department was behind in correcting problems. She promised to get back to me as soon as she heard problem corrected. It is now XX/XX/XXXX and there has been no corrections, updates, communications from the department, but there have been additional misapplications of payments.
Consumer complaint received 2021-04-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: JPMORGAN CHASE & CO. (OH)

Found the vehicle that I wanted at XXXX XXXX via XXXX XXXX. Called to confirm availability ( XX/XX/2021 ). Once it was confirmed available, I did a pre approval through XXXX XXXX. I contacted the dealership shortly after they opened ( XX/XX/2021 ) and was put in touch with a dealer by the name of XXXX. I gave him my pre approval number and I was told that the ball was rolling on the purchase. Even got a call from the finance department telling me to come pick up the vehicle. 15 minutes later, I got a call from XXXX saying it was already sold. After that, I got a notification from XXXX XXXX that I had a new credit inquiry from the Jpmcb Auto. I found out that they ran my credit even though I was already pre approved through XXXX XXXX. Over the next 2 days, I had 2 more inquiries added to my credit report. Now XXXX wont reply to my text or answer my calls and finance department wouldnt pick up until I called from a different number. When I talked to the finance manager, I asked why my credit was ran after I already had a pre approval and he said that the interest rate that I was given wasnt good for me and that he didnt know anything about me and claimed that XXXX XXXX didnt send any of my info over so they had to run it again. The car is still available on XXXX XXXX and their website as of XXXX XX/XX/2021