davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
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. (NJ)

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 XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

Good evening, I will try to make this as short as possible ; taking out emotion and giving facts only. 

XX/XX/2021- my tenant writes a check for her rent. {$400.00} She banks with XXXX  XXXX XXXX XX/XX/2021- I mobile deposit the check in front of her and hand the check back to her for her records. 
We live at the same residence. Her being in control of the check, never being late or having prior issues, built trust to hand her back the check. She still deserves the trust. This issue is not a result of negligence Unbeknownst to her and ( and I ) the check was stolen. 
On XX/XX/2021 the same exact check, endorsed by me, was deposited into an account at JP Morgan Chase Bank. Fraudulently. 
My tenant noticed it right away and called her bank. 
XXXX  XXXX XXXX reversed the fraudulently cashed check. My check remained valid. 
On XXXX XXXX I received an email from my bank XXXX ( XXXX XXXX, XXXX ) stating that they had reversed the check that was deposited on XXXX. 
I called my roommate immediately to see if they stopped payment on the wrong check. 
She called XXXX  XXXX XXXX, confirmed they had not stopped payment nor received funds from my bank. 
I called my bank. Started a fraud claim. Stride took the money out of my account and sent it to Chase. 
My tenants account was never credited for my reversal, Chase Bank will not talk to me. Ive spent 3 hours on the phone, gone to the physical branch, and went to XXXX all to no avail. My bank points the finger at Chase. Chase points the finger at anyone else. XXXX XXXX XXXX has no idea whats going on. 
I know there is information about the thiefs account on the back of the check. There is a batch number, a branch location. I know they could figure this out- who stole the check, who deposited it, and where my money is. Thing is, no one will help me! 
Stride says contact the issuer. The issuer is showing the cleared check to me at stride. They reversed the Chase deposit. How did XXXX end up giving my money to Chase? Why wont anyone help me?! Ive filed a police report. Ive done everything I can in my power to fix this. I need intervention from someone with a stronger fist than me. I want to press charges. I want my money back. I need this resolved.
Consumer complaint received 2020-07-14
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. (WA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-05-24
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. (FL)

Dear Transuninon, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Consumer complaint received 2022-04-16
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

My XXXX WAS COMPROMISED AND IT HELD THE INFORTION OF ALL MY PASSWORDS TO EVERYTHING AND MY IDENTITY HAS BEEN STOLEN AND IS BEING USED RIGHT NOW. I HAVE REPORTED IT TO MY BANK XXXX BUT HE STILL WAS ABLE TO ACCESS MY ACCOUNT I REPORTED TO CASH APP AND HE STILL HAS ACCESS I REPORTED IT TO XXXX AND MY PHONE ENDING IN THE NUMBER XXXX IS STILL COMPROMISED I REPORTED IT TO XXXX I ALSO REPORTED IT TO IRS AND SOCIAL SECURITY AND XXXX AND MY KIDS HAVE BEEN REMOVED BECAUSE OF THIS SITUATION. IVE CALL THE POLICE NUMEROUS TIMES SINCE XX/XX/2022 AND JUST GOT A REPORT WRITTEN TODAY ALL THE OTHER POLICE THAT SAID THAT THEY WROTE A REPORT LIED I LET XXXX KNOW BECAUSE THEY ARE BUYING AND OPENING THINGS IN MY NAME AND MY KIDS. PLEASE HELP
Consumer complaint received 2020-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX  XXXX in my TransUnion file that's maintained under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$320.00} on XXXX. 

I challenge the accuracy, compliance and reportability of this listing. 

There has been no validation of any information that I owe any type of debt to XXXX XXXX XXXXXXXX. They have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that I have also mailed them and that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

If the company Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX  P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My car was totaled loss. After insurance settled we had to pay the remaining balance which we did within the timeframe that Capitol One gave us. After checking my credit report, I see that Capital One has a charge off on the account and paid. Every month before the month of the charge off was in an " OK '' status until XX/XX/XXXX. XX/XX/XXXX it was " OK '', XX/XX/XXXX it was " OK '' ; XX/XX/XXXX is was " OK '', and in XX/XX/XXXX it was Charge off. By their own records, we were never delinquent. How does an account go from the month before as " OK '' status and the next month a charge off. Especially during these times of a pandemic, a company rushes to ruin the credit of suffering people, what a horrible example of integrity and yet the U.S. wants us to believe " We're all in this together. '' To add insult to injury, all correspondence and the paid off letter was directed to XXXX XXXX, my daughter, and XXXX was the co-signer on the loan. Capital One never sent me any correspondence with my name, XXXX XXXX, on it. I was the primary signature of the loan. 

Definition of Charge Off : If you fail to make minimum payments on your credit for 180 days, your credit company will consider your debt a loss asset, or an asset that is uncollectible and considered a bad debt. 

I've tried to reach Capital One repeatedly. Phone records to verify. If I transacted business the way that they have, I would be in hiding too. 

The letter attached states that the debt was paid in full XX/XX/XXXX. The loan was paid off on XX/XX/XXXX online but it takes 2-3 business days for the transaction to be complete, hence their XX/XX/XXXX transaction timeline. 

I apologize for the personal comments but this is a sorry state of affairs.
Consumer complaint received 2020-12-14
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. (MA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX  data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2021-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AXOS FINANCIAL, INC. (CA)

I qualify for Recently Approved and Funded California Mortgage Relief Program to pay the arrears mortgage payments and fees on my mortgage and to bring my mortgage account current. I was told by California Mortgage Relief Program that although I qualify for this relief, Axos Bank the servicer of my loan is not participating in this program. 

In the meantime, Axos Bank has continued charging me with excessive fees and chatges for the delinquent payments. 

I would like to utilize the available California Mortgage Relief Program to pay the delinquent payments and bring my mortgage to current.
Consumer complaint received 2022-08-20
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. (MI)

Before XX/XX/2021 I reached out to Equifax regarding a bankruptcy that is reporting on my credit file. I disputed the information due to inaccurate verification on their behalf. I was told that they verified my information with XXXX and with the US XXXX  and I would have to contact them. I went through the proper steps and contacted both XXXX and the US bankruptcy XXXX that they said they contacted. I received letter back from XXXX saying they couldn't verify it so they deleted it off of my report and the US Bankrupty XXXX that they listed stated they do not work with the credit agencies nor do they report to them. With that being said Equifax couldn't 've possibly verified this information therefore it is unverified information and it needs to be removed off of my credit file.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting that you immediately delete information off from my credit report that isnt mine. I do not recognize these accounts. I have listed the accounts below. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I think I become a victim of identity theft. 
Please check for me. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (FL)

According to my credit report there was a derogatory collection account opened on my credit from the company Professional Debt Mediation XXXX on XXXX XXXX. To this day I have NEVER received communication about my debt and when I went to dispute the inaccurate information from the credit bureaus this Professional Debt Mediation XXXX company reported that this debt is valid. Today ( XX/XX/2020 ) I called this company to find out what documents do they have to verify the debt that allegedly belongs to me and I was informed by an agent named XXXX that they do not have any documents that they can send me that verifies this debt belongs to me and that any dispute is taken from the word of the company that is reporting to them. With that being said I was advised that a letter that stated that there is a debt out there that is owed by me was sent on XX/XX/2020 which is almost 7 months after this debt was opened and reported negatively on my credit report. I repeatedly asked for any documentation that they have to provide me as is my legal right and they kept reiterating that they have nothing to send to me that can serve as proof. At that point I requested them to withdraw any claim for any alleged debt that they are reporting to the credit bureau 's and they have outright refused to honor my request.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

My chase checking and chase business account were infiltrated by a fraudulent individual. This individual made three ( 3 ) wire transfers concurrently in the amounts of XXXX XXXX, and XXXX totaling XXXX on the morning of XX/XX/2021 between XXXX. I never received a notification/verification of these suspicious transfers none of the transfers were flagged or stopped. I have NEVER made a transaction this large on any of my accounts ever. I notified a chase branch representative immediately when my debit card declined at XXXX and I logged in to see {$1.00} in my account. Chase fraud department stated they would investigate and put the money back in 10 days. It has been 10 days and nothing has happened nor have I been contacted or updated. Over the last 10 days I have went in person to multiple branches were they provide me with no update just the number for the fraud department where they leave me on hold for hours each time I call with no update. The branches are unable to provide me with the investigation report or case number. I am getting the run around after banking with Chase for 12+ years. I filed a police report with the XXXX XXXX County Sheriff Office case # XXXX. Chase advertises they are insured and will protect your money, but they did not and have not protected mine.
Consumer complaint received 2020-12-14
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2022-04-10
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. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number :XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number :XXXX  Account date reported : XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2020-07-09
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)

I have contacted XXXX XXXX and XXXX  on several occasions since XX/XX/2015regarding incorrect information not pertaining to me showing on my credit report. I contacted Equifax as well because the security questions don't pertain to me and I'm unable to access my credit report from them. It's extremely frustrating to be turned down for a job and to be denied an apartment due to incorrect information on my credit reports. I feel I am being discriminated due to being XXXX and not being an XXXX XXXX. My friend is XXXX  and she contacted all 3 credit bureaus with concerns identical to mine and with in weeks all inaccurate info was removed from her reports. Please help me. My husband is XXXX recovering from a massive XXXX I'm trying to get my family ahead and unable to due to XXXX credit bureaus singling me out.
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear Sir or Madam, Bank of America has failed to help me resolve several unauthorized charges fraudulently charged to my credit card by XXXX, a satellite service. 
I never contracted or requested any XXXX services. 
I have never had a satellite. 
I have never had a contract, product or account with XXXX, yet, I was refused a chargeback. 

BofA claims I am responsible for continued payment for the fraud XXXX perpetrated upon me and has not helped in any way to address this criminal behavior, instead, they have aided the fraudulent entity XXXX. 

BofA asked that I produce a contract. Since I had no contract, I asked BofA to obtain the XXXX service record for recipients name, location or IP address. This XXXX recipient user information would identify the fraudulent user of record of XXXX service, and confirm that I was fraudulently charged. 

I requested BofA complete my chargeback request and cancel all XXXX charges after XXXX, when BofA and XXXX were notified. BofA recently -8 months later - determined that I am responsible for all XXXX charges despite finding no proof of contract. BofA notified me that despite XXXX not verifying the recipients name, location or IP address, that they were sending their rendition of the dispute to all credit agencies. 

The BofA fraud dispute process and outcome are faulty. I followed BofAs credit card published guidelines. unable without an account to access XXXX ; my daily calls to BofA yielded a COVID recording that advertised BofA could not normally handle calls. 

Please help me to receive fair resolution with BofA, for my chargeback from XXXX of payments made on my credit card, and the cancellation of the continued illegal credit card charges, as well as ending BofAs threat to harm my credit rating by presenting my fraud dispute case to the credit agencies favoring XXXX.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Skrill USA, Inc. (WA)

So one Ive never open account with you so Im victim of identity theft and clearly I dont know how to reach you personally but I want this account closed this wasnt authorized by the original XXXX XXXX someone using my personal information to open account and this includes this one and making purchases through my bank card information.