davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

The scammer reached out to me on XXXX under the account @ XXXX for an art commission. They offered {$200.00} for a gouache painting. Once they were about to send the money, they said they accidentally wrote {$2000.00} instead of {$200.00}. They told me to deposit the check because they used their child 's savings account. So I thought that I had to deposit the check once I got it and send {$1800.00} back to them through XXXX under the name of XXXX XXXX, which they gave to me. After a few days of sending the money back to them, I checked my XXXX XXXX XXXX account on the XXXX of XXXX and saw that my bank took {$2000.00} from my checking account. When I reported it to the bank, it turned out the scammer did not pay the {$2000.00} check, which means I sent the scammer {$1800.00} from my own money and received {$0.00}. On the same day, the scammer claimed they wrote a second check under my name for another {$2000.00} but I told them there was a problem with my bank, and then they blocked me on XXXX. Once I reported a fraud claim to the bank, I called XXXX to see if they can take the money back to no success. The scammer 's bank, Chase, refused the claim because I wasn't hacked and it was a valid transaction since I initiated the transaction. Now I have lost {$1800.00} from my account because of them. The bank suggested I should report it to the authorities because they can't do anything else to get the money back. The scammer targeted an international student illustrator with open commissions on their social media. Another XXXX account tried to contact me the same way @ XXXX did but under the name @ XXXX. I hope you can help me and stop their actions.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my third and FINAL written request for you to comply with the law regarding the following derogatory account data which is clearly unverifiable. I have every intention of pursuing litigation in accordance with the FCRA to enforce my consumer rights and to seek full relief, recovering all monetary damages that may be available to me under Sections 616 and 617 for your continued willful, negligent noncompliance and blatant disregard for the law, regarding the following account data ( including, but not limited to, payment history and payment statuses ) :
Consumer complaint received 2022-03-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below are erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 



XXXX / XXXX / {$0.00} XXXX / XXXX / {$0.00}
Consumer complaint received 2022-07-12
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. (FL)

I did not give the company written or oral permission to furnish this information on my credit report. In pursuant to 15 USC 1681b this company did not have a written permissible purpose to furnish this information on my consumer report.
Consumer complaint received 2022-03-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NV)

I have two student loans serviced by Navient. Originally they were serviced by a different provider, but Navient purchased the loans. Monthly without fail, Navient begins calling me 15 ( or more ) days prior to my payment due date. They call at least five times daily, sometimes as many as ten times, and the calls start as early as XXXX PDT and go as late as XXXX XXXX, seven days a week. Often when I answer the phone, there is no one there and the line goes dead. On the occasions when the call does connect, I get the standard " This is navient calling about your student loan payment. ''
Consumer complaint received 2022-03-28
Product: Payday loan, title loan, or personal loan — Payday loan
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. (TX)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 



XXXX / XXXX / {$0.00}
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

As a consumer I am highly disappointed in this Bureau! I have sent several letters to them about several accounts on my report that were deleted and re-added for instance account XXXX and XXXX these are the same account that were delated from the original creditor XXXX XXXX because they were disputed. I asked them to verify this account with the original creditor and they couldn't so it was deleted. However it was readded to my credit report under XXXX and another name. As a consumer I have the right to a credit report that is 100 % accurate. What makes matter worse is that the bureaus isn't supplying me any information on the dispute process. I have sent several letters and have gotten no responses from this Bureau. This isn't the only account that this has happened with ; there was another, account Account number XXXX creditor XXXX XXXX XXXX which I disputed this account with the Bureau back XXXX XXXX resulting in, apparently a deletion which I also didn't receive a letter about, this was deleted due to them not being able to verify the account and then a month later was readded under account number XXXX and XXXX. I will be including copies of my credit report from XXXX and my most Recent credit report here in XXXX. However the Bureaus have a responsibility to make sure all information is accurate and correct before entering it into my credit report! This didn't happen. I am writing this complaint because I am expecting them to correct not only these two files but all the others on my credit report!
Consumer complaint received 2022-03-28
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-12-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings (TX)

I am filling this complaint because they didn't follow the rules in the Fair Debt Collection Practices Act ( FDCPA ). I already asked them, in writing, to cease and desist contacting me about the debt linked to Account # XXXX. Even though I made this request, they've kept reaching out, which violates my rights under FDCPA. These continued contacts are really stressful for me and go against FDCPA section 805 ( c ). Which states debt collectors have to stop contacting you after a cease and desist request, except for limited reasons like notifying you of legal action.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Was alerted on my credit file of a hard inquiry from Bank of America also received a email from Bank of America that a credit application was denied that I never applied for a card foXXXX XXXX  XXXX signature XXXX XXXX or with Bank of America my credit score lost points and someone is currently using my info I have put a freeze on all 3 credit bureaus for my credit file
Consumer complaint received 2022-03-28
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. (GA)

in accordance with the Fair Credit Reporting act XXXX 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allegiant Capital Recovery LLC (WA)

Allegiant Capital Recovery calls me day and night - and while I am at work- and leaves voicemails for someone named XXXX XXXX. I am not XXXX XXXX. I do not know who that is. I got this number from XXXX. I have requested in writing on their website ( that I was only able to get by XXXX  the phone number they left ) for them to please stop and that they have the wrong person. They won't stop. They leave threatening vague voicemails that do not even identify their company. How is that legal? Why won't they stop? There doesn't seem to be anything I can do to make it go away.
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I am getting calls 10 or more times a day at all hours. They are asking for a person I don't know. I have told them I am not that person they are looking for. I block them and they change numbers. 

The company of Portfoliorecov XXXX or XXXX XXXX.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I made a payment of approximately {$4000.00} to my XXXX  XXXX credit card using Bank of America ( the card issuer 's app ). The app didn't provide a confirmation, so I waited several business days and tried again. 

Once again, there was no confirmation in the app, by email, or the Bank of America website. Then a few days later, a double payment of {$8000.00} dollars was withdrawn from my checking account. 

I called on XX/XX/XXXX to resolve the issue and get a refund. I was told the money would be returned within XXXX business days. It is now XX/XX/XXXX and the money has not been refunded.
Consumer complaint received 2022-03-28
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. (MN)

After dealing with XXXX Bank on a Auto loan incorrect reporting to the credit bureus. Loan was Paid off in FULL XX/XX/XXXX of XXXX. They are marking XXXX of XXXX XXXX late even though I had spoke with multiple Reps on phone over weeks leading up to sale of truck that I was in process of selling truck and it would be paid in full. Truck was sold on XX/XX/XXXX I called XXXX BANK that day ( XX/XX/XXXX ) to ask if I should make XXXX payment being it would be 30 days on XX/XX/XXXX. Their response was it was not needed and they will make note of account to state vehicle had been sold and payoff was being sent. This didnt happen and 30 day late mark went on my credit EVEN though before it was reported as " late '' they recived full payment for the vehicle before they marked it as late, I got the alert around XX/XX/XXXX and by that time they had already had full payment for the truck. And the payment the are marking late is the last payment which was included in the Payoff. I was never late on any payments to them leading up to this, I kept in contact with them to make sure nothing would be marked late and even offered to make payment day of to avoid a 30 day. I was assured it would be noted on account that vehicle was paid off in full and assured no negative marks would happen. After speaking with them again and again I am told that those " cutomer services reps '' do not have the authority to make those calls. Well when I am told by a rep of their company the above how am i suppose to know I need to go to a different person that makes that decision when it was never offered to me. I have spoke to multiple people now at XXXX BANK and they all tell me they agree with what happened wasnt right, but they cant change what was reported. Attached is a copy of the sale of Truck on XX/XX/XXXX For the XXXX XXXX XXXX They have also reported to the 2 bureaus incorrectly/different on what month. Than on XXXX shows paid as agreed Equifax it shows it was XXXX payment XXXX Shows XXXX XXXX Shows " Paid, Closed ; was Paid as agreed ''
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (DE)

Hello : Back in the start of 2022, TD Bank sent me letter suggesting that my account was in arrears by at least {$15000.00}. When we looked into it it seemed that the company was not properly processing my payments. Despite some hassle, we agreed that I would make one extra payment to 'top off ' my escrow account to ensure that he escrow wouldn't trigger insufficient funds. On XX/XX/XXXX, I made that payment of {$1600.00}. TD Bank issued a letter to me indicating that my account was fully paid up. 

Since then it seems that TD Bank continues to have issues and has been mishandling the monthly payments that I have made and they now claim that my account was now {$22000.00} in arrears. I have spent dozens of hours trying to interact with the bank, making phone calls, speaking with agents. I have written at least two letters/emails to them- and I have yet to get a sufficient resolution to this problem. I am seriously fearing that the bank will attempt to take my house from me despite the fact that I made all payments on time. I will submit to you a proof of payments being issued by my account, and an accounting provided by TD Bank of all of my payments. 

To add insult to injury, my credit score has been adversely effected by these inappropriate actions by TD Bank- and it now indicates that I have missed multiple payments to my mortgages. All of this is completely erroneous and I am unable to get new credit issued to me due to these faulty reports of misconduct on my behalf. 

On my last calls with the bank on XX/XX/2022, I was informed that their analysis suggested that I was still behind on my payments - when it's clear to me that ( A ) i have issued all payments through my bank and ( B ) their math on the Payment Analysis that they performed was erroneous. 

I am turning to the CFPB as a last resort- please help!
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (IL)

I am simply doing this report because I just called the company around XXXX XXXX  today and I am already receiving an email talking about a settlement when I distinctly stated that the account was open fraudulently. On the letter emailed, it spoke of interest increasing from this day forward. I am not responsible for a fraudulent account. I was told to email XXXX to continue with my claim. I am doing that. The letter was not necessary. And I called in on my own inquiring.
Consumer complaint received 2022-03-28
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-03-28
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. (WI)

Experian claims that the bankruptcy they are reporting has been verified by the courts and XXXX XXXX. However, I've proven that neither XXXX nor the Courthouse interact with the credit bureaus in any form. Neither the Courthouse nor XXXX contact to report bankruptcies nor do they verify bankruptcies. In fact, XXXX doesn't even show anyone 's full social security number. Furthermore, XXXX XXXX has stated they do not have a bankruptcy listed on my profile or my unverifed profile. 

This means that Experian is fraudulently claiming a method of verification that has been proving to be invalid. Experian is blatantly disregarding FCRA guidelines and violating FCRA as well as my consumer rights.
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (AZ)

I moved out of my apartment in XX/XX/2018 after graduating from XXXX. I turned in my keys and moved across the country from Indiana to Arizona to start a new job. I knew I had to pay utilities for the month after I moved out so I submitted my XXXX payment. I thought that was my final payment. A year later I got a letter from a debt collector saying I owed {$100.00}. I was confused and called XXXX XXXX to discuss the payment. I was moved out, I should not have owed money. They said it was for the month of XXXX. I moved out in late XXXX. I called my apartment complex and apparently a roommate didnt return his keys, so I was technically still liable for the apartment. I immediately made the payment once I found the cause. I later learned that if I asked the debt collector to remove the delinquency prior to paying, they would have. But I didnt know, as Ive never missed a payment and never been sent to collections. Both XXXX XXXX and the debt collector refused to help or do anything, since this was clearly a misunderstanding. XXXX at XXXX point said a woman would send a letter, but never did. My credit is tarnished because of this. One agency took my side and removed it and my credit is around 800 with them, the other XXXX show around XXXX. The other XXXX simply ask for a letter stating it can be removed. XXXX and the debt collector say it is not our policy to send letters for these matters. I can not do anything, can not get help from them or credit bureaus. I am stuck.
Consumer complaint received 2022-03-28
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.