davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have had XXXX streaming service for years and they have recently allowed streaming services to be added to their credit boost service that they use to boost credit scores. I have several XXXX XXXX XXXXXXXX bank accounts linked to this service and on of them has had XXXX streaming and disc rental service for more then the minimum 3 month services. I emailed them several times and they asked for the last XXXX charges and the bank account they were from. I even gave them the amounts and the last XXXX posting and charge dates along with the last XXXX bank account numbers so they could add this service. but they keep replying with the same info saying why items are listed in boost despite the first email asking for the specific info amount the XXXX charges. It is though no one is reading my replies my responses are being auto replied to. I have sent XXXX emails with the requested info and it seems they are being ignored. My last email I stated that I was going to file a formal complaint and if needed legal action as this is getting very annoying. I do not have time to continue to send the same email replies about the XXXX service. I have asked them repeatedly to add it and have provided the proof 4 times as I mentioned earlier. XXXX XXXX XXXXXXXX has listed this service as a purchase despite it being a streaming service, and they will not change how they list transactions as they are automated in their system. I will list the proof here from the last XXXX XXXX transactions. 

The streaming company is listed as XXXX They are from XXXX XXXX XXXXXXXX account ending in XXXX which is linked to my Experian Boost Account. 

XXXX. The amount is {$36.00} Posting Date XX/XX/XXXX, Charge Date XX/XX/XXXX XXXX. The amount is {$36.00} Posting Date XX/XX/XXXX, Charge Date XX/XX/XXXX XXXX. The amount is {$36.00} Posting Date XX/XX/XXXX, Charge Date XX/XX/XXXX XXXX. The amount is {$36.00} Posting Date XX/XX/XXXX, Charge Date XX/XX/XXXX The XXXX steaming service amount will be increasing effective with the March 3rd 2022 monthly charge, but I am unsure to that amount until after the charge posts to my bank account.
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

I had posted a XXXX XXXX and equipment for sale on XXXX XXXX on XX/XX/2022 for a total of {$3500.00}. I had a person by the name of XXXX XXXX message me on XXXX messenger stating he was interested. He stated that he would like to buy the camera and would send me money thru XXXX ( which I have never used before and I saw it on my Wells Fargo App so I thought it was a trusted site ). I received a fake email ( at the time did not know how XXXX worked and the email I had received looked very professional ), stating that I had a pending amount and would just have to ship out my camera and verify tracking number then the amount would deposit into my account, the money never came. I then received another email from XXXX stating that because of the amount of money, the buyer of my camera would have to send me an extra {$800.00} to open up a business account, so the buyer and I agreed that he would send {$800.00} extra ( which I received another email stating that the money was pending, I would just have to then send the {$800.00} back to a XXXX XXXX, and the money would be deposited into my account ). So I initiated the transfer of {$800.00} to the buyer on XX/XX/2022. And the money never came into my account. I received another email stating that I would have to send another {$500.00}. At this point, I now realized that I was being scammed. I called XXXX, explained my situation. They stated that it was a fake email, this was a scam, but there was nothing they could do but report the account I had sent money to. I called my Wells Fargo Security and explained what was going on and I filed a dispute right away. The Wells Fargo rep stated that I should have no problem getting my {$800.00} back. I waited 10 days for the claim to be processed, and I got a letter stating that there was nothing they could do about the {$800.00} I had sent. I called back again to Wells Fargo and reopened my dispute and told them I had filed a police report and everything. I told them that XXXX had reported the account that I had sent money to and that account is now unregistered with XXXX. I just received another letter from Wells Fargo stating that because I authorized the transaction, there is nothing they can do. For a company that I have been with for 10+ years, I feel as if they should help me out. I would have never authorized the transaction, had I known I was getting scammed. So now not only am I out {$800.00}. I also shipped my XXXX  and equipment that I was selling for {$3500.00} with no possible way of getting that back. Please help me out.
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (MO)

XX/XX/XXXX email sent to attorney that originally helped me with this case back in XXXX : I received a call today from an unknown number, so my phone automatically sent it to voicemail. On the recording I was told that it is an attempt to serve me and that legal action is currently being taken against me. I initially didn't think anything of it because, like many of us, I've been receiving an increased amount of spam calls. Not five minutes later, my Mother sent me a text message and a recording she received from someone looking for me in an attempt to collect. 

It is at that point that I called the number that was left on both of our voicemails. The gentleman that answered the phone told me, after I gave him my case number, that it was Citi Bank from a card I had with them back in XXXX. I expressed my frustration with them calling someone other than me and to my knowledge that was still illegal, to which his response was that it is not. 

He then told me they are trying to serve me papers, my total debt owed is {$930.00} and any other questions I may have will be answered in court. 

Since you last helped me with this case, I have not received one phone call or any written correspondence regarding this matter. The case number is # XXXX, phone # XXXX. Additionally, I have checked all three major credit reporting institutions and none of them reflect this alleged debt or amount. 

XX/XX/XXXX : both my mother and I received another call today re : same CitiBank attempt to collect a debt via XXXX XXXX XXXX. When I expressed to the rep ( XXXX ) that what they are doing is illegal and that I would now be filing a complaint with the FTC, she started asking more questions about my case and at that point I just hung up. Phone # they called from is XXXX, case # XXXX. 

I had communication with my attorney, XXXX XXXX XXXX w/ XXXX, XXXX  XXXX on XX/XX/XXXX, at which time he advised me to not engage as it was a scam.
Consumer complaint received 2024-12-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (IL)

collection agency has not provided validation information under 12 cfr 1006.34 but yet they placed a collection on my consumer report.

i have not been given a chance to dispute account according 12 CFR 1006.34 collection agency is violating my consumer rights by using false misleading misrepresentation and deceptive means.

collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR1006.34
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Cornerstone First Mortgage, Inc. (TX)

I have been under contract to sell my home for almost XXXX  months. The buyer was using Cornerstone First Mortgage for their loan. At XXXX, the night before we were under contract to close at XXXX the next morning, the mortgage company requested a foundation, plumbing, and roofing inspection. All three inspection reports had been available for over a month, but they waited until less that XXXX hours before closing to request that information. I agreed to extend the closing another week, even though it was a huge mistake on their part. We received nothing from them, no returned calls, no documents, nothing... They wouldn't return phone calls, texts, or emails until after XXXX the day of closing to say that underwriting was still reviewing and requested it be extended another week. Now we are at the day before closing the 2nd extension and still nothing from them. They ignore repeated attempts to contact them by phone, email, or text. This incompetent mortgage company has now put me out of contract for the home I was set to buy. They have greatly impacted my personal and professional life by repeatedly extending and not responding and they have cost me hundreds of dollars for movers and storage facility fees. The title company has stated that they have never seen such unprofessionalism before.
Consumer complaint received 2022-02-16
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. (GA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$3500.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3900.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$160.00}. Inquiries : XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE REMOVED.
Consumer complaint received 2022-07-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXXXXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

I have a Chase Private Client account and expect better customer service than what I am receiving. 

I set up a payee and cut a check to same. The payee is XXXX. XXXX XXXX. The check is made out to XXXX. XXXX XXXX ( See Attached ). Chase changed the payee name without notifying me. Payee will NOT be able to remit check as written. 

Since I can NOT send a Secure Message, I expect Chase to reply to this complaint by standard postal service at my address of record. 

Do NOT attempt to answer this complaint with a Secure Message ( that I can NOT reply to ). Do NOT contact me by Secure Message or email ; mail a letter instead. 

Do NOT attempt to answer this complaint by calling the telephone number listed on my account. Do NOT contact me by telephone ; mail a letter instead. 

I will NOT call the toll-free Chase customer service number and be placed on HOLD for 30 minutes to an hour to receive an answer. I have tried this already.
Consumer complaint received 2022-02-22
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. (CA)

XXXX XXXX XXXX XXXX check, AC # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$120.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$870.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount $ XXXX account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I received your response dated XX/XX/XXXX and XX/XX/XXXX in reference to my inquiries regarding 3 accounts on my consumer report. I understand it isn't your companies goal to undermine my trust in your reporting practices, however, the significant number of inconsistencies and missing information contradicts your claim to accurate reporting cited in your written communication on XX/XX/XXXX and XX/XX/XXXX. 

The account that is being furnished by XXXX XXXX XXXX is reporting a high balance of {$610.00} with Experian. XXXX is reporting a high balance of {$420.00}. XXXX is reporting a high balance of {$500.00}. All of these can not be correct. Please delete this account due to inaccurate reporting. 

The account that is being furnished by XXXX XXXX XXXX is reporting a payment history that is completely off. Experian reported a late payment in XXXX of XXXX while XXXX and XXXX marked that month as " OK. '' Experian did not report at all during the months of XX/XX/XXXX to XX/XX/XXXX while XXXX and XXXX marked those months as " OK. '' This account was never late. Please provide the banking records from this company proving this account was late. Mark this account as never late or delete from my consumer report. 

The account that is being furnished by XXXX XXXX XXXX has not provided me with proof that I have a debt with this company. I have requested a copy of the purchase agreement between XXXX XXXX XXXX and the original creditor, original contract which states that I have a debt with the original creditor ( bearing my wet signature ), as well as an accurate record of this account that has been affecting my consumer report in a negative way. In addition per 15 USC 1681 XXXX XXXX XXXX never had written permission from me to report anything on my consumer report.

All of these inaccuracies are too far apart to have been properly investigated, have not been fixed, and are a violation of the Metro 2 standards which state that all reporting should be completed with 100 % accuracy, no missing entries, as well as be consistent across all 3 credit bureaus. 

I would like for this information to be properly reinvestigated and fixed or deleted if the proper information can not be obtained to reflect a consumer report that is 100 % accurate.
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 — Account information incorrect
Company: Receivable Solutions, Inc. (SC)

I paid Receivable Solutions, Inc in full, {$130.00} and {$140.00} on XX/XX/XXXX. The checks that cleared were XXXX and XXXX, respectively. They admitted to the XXXX XXXX XXXX that they applied my payment to wrong accounts. XXXX  Case Number was XXXX. Receivable Solutions, Inc apologized for their mistake and reassured me that they would delete those two debts off of my XXXX. They promised it would be deleted by XX/XX/XXXX although, I paid it back in XX/XX/XXXX. However, these two debts from Receivable Solutions, Inc are still on my XXXX  credit reports. I would like these collections to be deleted from my XXXX as they promised.
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-02-22
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)

Someone opened an account on XX/XX/2022 and took {$900.00} installment loan from XXXX using my bank account information. An amount of {$19.00} was charged to my account on XX/XX/2022 that got my attention. I already disputed this to XXXX Bank to stop the collection from my account. There will be a XXXX XXXX  monthly payment that will be charged on my account later on.
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate. Please remove the negative items from my credit report immediately.