davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Certegy Holdings, LLC (TX)

XX/XX/23 - I attempted to cash a check at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Amount of check was {$55.00}. Certegy Payment Solutions LLC, contracted by XXXX issued a decline recommendation, so the check was rejected. 

I was provided with a cash register printout which stated, in part : " ... Certegy did not make the decision to take the adverse action and is unable to tell you the specific reasons why the adverse action was taken by us. Under the Fair Credit Reporting Act, you have the right to obtain a free copy of your information held in Certegy 's file, if you request it no later than 60 days after you receve this notice. ... '' I immediately contacted Certegy at the phone no provided ( XXXX ) and made a formal request for a copy of the information held in Certegy 's file. I was told the information could only be provided in writing. I made the request. On XX/XX/23 I received written correspondence from Certegy and the only information they provided was that the transaction did not meet the acceptance guidelines which can vary by store and transaction. There was nothing that applied specifically to me, the check or the transaction. 

I then called Certegy at the phone no on the letter ( XXXX ) and was placed in touch with XXXX. I tried to get more specific information but she could not tell me anything other than " it didn't meet the acceptance guidelines '' but refused to tell me what were the guidelines, or how my transaction failed to meet the guidelines. All she could tell me was that there was no adverse information about me in their files, but would not provide me with a copy of my information held in Certegy 's file. She told me the guielines were XXXX 's. I asked her how could Certegy make a decline recommendation if they don't know XXXX 's guidelines. She replied with a programmed response that my check didn't meet the acceptance guidelines. She suggested I try to cash the check again. 

Today ( XX/XX/23 ) I returned to XXXX XXXX # XXXX, attempted to cash the check again, and received the same rejection. The manger at XXXX couldn't give me a reason for the rejection and informed me that the decision was Certegy 's. 

I feel that I should be entitled to a reason that my check was rejected, so that I know whether I've been scammed, am the victim of identity theft, or will be able to write checks on that account in the future. I do not believe that the information provided by Certegy was a complete copy of my information held in Certegy 's file, as I requested and is required under the Fair Credit Reporting Act.
Consumer complaint received 2021-12-28
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. (MS)

XXXX XXXX  is reporting incorrect information to the credit bureau concerning my monthly payment. They are reporting my regular monthly payments are XXXX when they are XXXX. I have tried to talk to these people, but they insist they are not, and will not change this. I once had an escrow with XXXX, and they did everything in their power to make me have an escrow account with them during the time I had my own mortgage insurance. Now they are saying I have an escrow account with them and the monthly payments are XXXX. This is not true. They are also saying I owe a balance on the escrow when I had them to close it because they were asking me to send them XXXX dollars a year just to sit in an account for mortgage when my yearly insurance premium is only XXXX. So they are reporting this to the credit bureau, which means if my monthly mortgage is XXXX, and something happens to me, and my XXXX  are left behind to pay this mortgage, or pay it off, or even if I decide to pay this off in a lump sum, this will be a problem. If they insist on saying there is a balance on an escrow account, why aren't they saying " previous escrow balance '', and not add it in the mortgage to reflect a increase in my regular monthly payment.
Consumer complaint received 2022-11-05
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. (PA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items 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 are the list of items which do not belong to me or were opened without my permission : DEPT OF EDUCATIONXXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; DEPT OF EDUCATIONXXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

XXXX This is a number posing as Wells Fargo. This number said I had an account with them and I dont and never have. I called Wells Fargo and the representative said they have no record of an account being opened under my name/ Soc./ phone #. 
There was a link to a fake Wells Fargo sign in page. 
https : //bit.do/WellsAccess Be aware!
Consumer complaint received 2021-09-20
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)

I have been disputing this issue since, XX/XX/2021 the credit bureaus is not responding to this issue. i have sent in letters for months. The information that is present on my credit file is not correct. They always say accurate are verified. I need to see documentation of these accounts in question, with original signature. They can not provide me this information. I want these accounts deleted from my credit file within 15 days.
Consumer complaint received 2019-01-11
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: EQUIFAX, INC. (GA)

On XX/XX/2018, XXXX XXXX pulled my credit and apparently gave permission to a third party, XXXX XXXX XXXX, to pull my credit on the same day ... which resulted in two credit pulls on the same day ... which I didn't authorize.
Consumer complaint received 2019-01-08
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. (NJ)

On XX/XX/2019 I was informed through XXXX XXXX which is who I use to check my credit report that someone checked my credit and a new inquiry was added to my XXXX  and Equifax report. I checked into my credit report and found it was indeed on there and it was a " hard inquiry ''. The inquiry was from XXXX XXXX XXXX  XXXX XXXX. The only address that came up is XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Phone number is XXXX. I called this number and the automated voice wanted an account number or a FULL Social Security number. I tired to get customer service but was unable so I hung up. I did not give any SS #. I DID NOT give permission for this and have not even gone to apply for anything credit wise, so it must be that someone else has my information. I looked into what a hard inquiry is and found it stays on your credit report for two years. This scares me and I will now write a letter to those two credit bureaus and tell them it is an era, but wanted to report it to you also. Please help me make this right. 
Thank you
Consumer complaint received 2019-01-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Trust Management LLC (UT)

Global Trust Management called repeatedly throughout the day using all different blocked and false numbers. They claim I owe over {$1000.00} from XXXX XXXX XXXX. I tried paying the debt but the huge payments never decreased the balance and since it is a XXXX  company they claim they dont have to follow any federal rules. I want the abusive calls to stop. I have been dealing with this since XXXX of last year. I have made previous complaints and they go unanswered.
Consumer complaint received 2021-12-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (AR)

My last compliant was XX/XX/2021. I have been disputing accounts and sending the company 3 FTC reports by certified mail return receipts. The company last response was that they don't know what accounts I'm disputing but on page 4 of the FTC report shows the 3 accounts as follows XXXX, XXXX XXXX, and XXXX. Page 3 and page 4 shows the inquiries, names, and accounts that are not mine and was identity theft. I have sent my reports from the FTC and several other dispute letters and also an invoice that was due by XX/XX/2021 with no response in the mail. I demand these accounts be deleted and blocked and I am sending another invoice and court document
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX : Someone on XXXX XXXX  ( they keep changing their name ) was able to send themselves {$60.00} from my account XX/XX/XXXX : I see this transaction and tried to get a refund from XXXX XXXX but was declined. I then contact Chase ( my bank ) and tell them about the charge. They proceed to cancel my current debit card and send out a new debit card. I was then given my {$60.00} back and was told that they would look into the situation XX/XX/XXXX : I get a statement from chase that they are going to take the {$60.00} back out of my account by XX/XX/XXXX and won't explain the reason for this.
Consumer complaint received 2021-12-10
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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Consumer complaint received 2021-10-06
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. (CA)

I paid a debt off that showed up on my credit report in XX/XX/2020. I did not make this debt, however it was paid off due to the numerous disputes and no change. I have a copy of the receipt yet, it was never reflected on my credit report as paid. The initial company was XXXX XXXX XXXXXXXX XXXX XXXX XXXX The debt was bought by national credit adjusters. The debt was paid as noted on the receipt attached to this claim. It needs to be reflected on my credit reports on all three bureaus. Its been almost a year since I paid and no change. Its been disputed several times and when it comes back from the credit bureau it does not reflect paid. The credit Bureaus refused to change, despite me providing proof of payment. This needs to be fixed ASAP, I have spent so much money disputing this when it should have been fixed a year ago.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

The credit bureaus state my account was properly investigated but how is that possible if the account type - detail is inaccurate, the date opened inaccurate, the high credit inaccurate, the credit limit is inaccurate, the payment status is inaccurate, the last reported is inaccurate, the comments inaccurate, the date last active is inaccurate, the date of last payment is inaccurate, and the 2-year ledger is inaccurate. 
The credit bureaus have violated my rights as a consumer under the following : 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. 

This has been disputed numerous of times and it has been way over 30 days and still on my consumer report. 

Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22
Consumer complaint received 2019-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WI)

I was contacted by what I thought was a company in XXXX ( XXXX XXXX XXXX ) about a job. The were getting into the US market and needed a XXXX XXXX XXXX. I contacted my CC company as well as XXXX. I was assured by both I would be secure. My CC company told me once I saw a credit into my account the payment could not be reversed. I made purchases for this company only after I saw a credit of {$2600.00}, I then sent the purchased product to the company, Florida and New York. I did this two times and 7 days after the 2nd purchase I saw the payment amount of {$2700.00} reversed because there were no funds in the account that originally made the payment. I immediately called my CC company and told them I was being scammed. I was told there was nothing I could do. I then asked if they had received the first payment and was told they had. I asked if I locked my account if there was any way the first payment could be reversed and was told no. I locked my account and requested to discuss this with a superior. There was none available and was told I would receive a call within 1 to 2 business days. That was XX/XX/XXXX and I received a call on XX/XX/XXXX and was told again repeatedly ( 7 people ) there was nothing they could do. The company called them and told them the withdrawals were being taken from a closed account. My CC company then sent them back the money even though I told them I was the one being scammed. All dates are on a document I uploaded. I thought I had done my due diligence. I plan to file a complaint against XXXX  XXXX XXXX also.
Consumer complaint received 2018-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (ME)

Every time I try to make a payment, I receive this error message : " Sorry, we weren't able to complete your payment at this time. Please try again later. '' I contacted paypal, and I was told there is no problem with my account, but I still get the same error message.
Consumer complaint received 2019-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (SC)

XX/XX/XXXX and XX/XX/XXXX money was taken out of my account without authorization. I called and was told that there was no way to revert the funds. This money was owed to me by an old employer and was going to be used to pay bills my husband had to pay while waiting on these funds. I had set up arrangements with Navy Fed who advised that I could call them back if I was unable to find employment. I am still unemployed.
Consumer complaint received 2019-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Society Business Services, Inc. (AZ)

We were notified by our mortgage company of an outstanding medical bill on our credit report. We are in the process of buying a home. 
I contacted the collection agency and learned a XXXX XXXX ( born XXXX or XXXX ) had an account at XXXX XXXX XXXX XXXX, XXXX, AZ with my husband 's Social Security number and also our home address. The birth dates do not match. We've never been to this place of business. The account number I was given : XXXX. 
Date of Service : XX/XX/XXXX. 
The recording at XXXX XXXX gave a billing dept # XXXX. 
We have filed a dispute with XXXX contesting the collection and provided the same documentation we received from our mortgage company. 
We would appreciate any and all help you can provide. Thank you.
Consumer complaint received 2021-06-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (MD)

In XXXX of 2021, I started the refinance process with XXXX XXXX at New American Funding. To date, he is replied to only 3 of my emails and answered only 4 of my calls. All others have been unanswered. I have reached out to his manager and also have been ignored. Our loan number is XXXX He pulled our case number too soon and therefore, our refinance was in limbo. Due to his error, XXXX is telling us we need to pay for the extension which we will not do since it was his error. New American Funding needs to pay for the extensions. 

I have requested to be transferred to another loan officer and my requests have been ignored. I have reported to corporate and only then has XXXX reached out to me. I have requested to corporate that they pay for our extension only to be told they need XXXX 's manager to approve who has ignored us as well. 

XXXX, his manager, and New American Funding have failed to provide adequate communication regarding our refinance and have blatantly " ghosted '' use for the past 3-4 months with minimal to no updates about the progress of our loan. 

New American needs to pay for the extension since it was their employee 's fault and to even think the customer should pay for their employee 's error is insane.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PCS Receivables Corp. (TX)

There is an auto loan account on my credit report that I did not apply for. I have reached out to the credit bureaus as well as the finance company several times to send me proof of signature and contract information, even as recently as today XX/XX/18 and have not received any resolution. The account was also closed in XX/XX/2018 and every month the account balance increases and it should not. I also tried reaching out to the dealership in which the car was purchased and it is now closed down. The balance is not mine, it is my daughters, and it is also inaccurate, and the finance company is not being helpful in trying to correct this problem.