davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: SANTANDER HOLDINGS USA, INC. (NJ)

We use billpayer on our joint checking account with Santander Bank. Usually, our credit card payments to XXXX XXXX XXXX XXXX XXXX are sent electronically. For the month of XXXX, 2023, ( and we have recently learned this also happened in XXXX ) the check was sent via paper. The check was dated XX/XX/XXXX and Santander Bank cashed and withdrew the funds from our account on XX/XX/XXXX. The check was for over {$2000.00} and could have caused an overdraft. Since that date, we have had numerous conversations with the bank branch, the bill pay back office, the bill pay technical support, the payee, and a third party support for Santander bill pay. In our visit to the branch, located at XXXX XXXX in XXXX, NJ, we spoke with the manager, XXXX, who was both dismissive and disinterested. In our numerous phone calls to both the payers and payees, each said the complete opposite. Santander stating the payee would not accept electronic and wanted paper, and the payee stating they always accept electronic. Finally, yesterday we contacted the third party support area. They set up a conference call with Santander Bank which lasted 1 1/4 hours. We ended up in a conversation with XXXX, the supervisor of the technical unit. She admitted Santander decided to send paper but could not explain why. We can not afford to have checks cashed before the intended date. We note that the bill system wording now says a check can be cashed either before, on, or after the intended date. We need a better answer!
Consumer complaint received 2022-07-30
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)

This is my 8th attempt to submit a complaint about my credit report information that are questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. The information are listed below : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Consumer complaint received 2020-05-24
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. (VA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account.
Consumer complaint received 2022-07-30
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Account # XXXX, XXXX and XXXX XXXX XXXX  Account XXXX XXXX have 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 2022-04-06
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX my Chase Visa credit card was used used for a fraudulent purchase an XXXX XXXX from XXXX. I received an unusual email from XXXX so I called Chase Visa to report the fraudulent transaction. Chase removed the charge and issued a new card. 

XX/XX/XXXX - I was checking my monthly statement and saw that the fraudulent charge from XXXX appeared again. I called the fraud department and requested an escalation of my case. I called the XXXX police department and filed a police report. I sent the police report the Chase Visa fraud department. 

XX/XX/XXXX- Chase responded saying that they checked with XXXX and they have determined that it was a valid charge. I told them emphatically that it was fraud and that I didn't do it. They didn't care and simply kept replying that it was a valid charge. 

XX/XX/XXXX ( approximately ) I spoke with XXXX XXXX department and XXXX explained abut the fraudulent charge. At the time they said there was nothing they could do except give me the order number and the location of the store XXXX store, XXXX Florida. 

I called the XXXX, FL police department and filed a police report. The detective called me and started an investigation. The detective contacted XXXX to obtain additional information on the transaction. The detective then submitted a subpoena to XXXX for the location of the device. 

I contacted Chase Visa again and informed them that I had additional information and I wanted to reinstate the investigation. I sent Chase Visa the police report form the XXXX police department. 

XX/XX/XXXX- Chase responded telling me they reviewed the information it had determined it was a valid charge. 

I did NOT make the purchase it was fraud and they are still making me pay the {$420.00} for the XXXX XXXX that I did NOT purchase. 

I have called the Chase Visa, XXXX, and 2 different police departments and I cant get this fixed. Please help me! Thank you.
Consumer complaint received 2020-05-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

I didnt received my prepaid card that had arrived with a letter saying ( this prepaid card ) the letter had the information of the card but it wasnt included. I would like for yall to help me Change my address since I moved from that house where my information arrived.
Consumer complaint received 2020-05-24
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$550.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have repeated advised Transunion a copy of my drivers license and SOCIAL SECURITY NUMBER CARD with proof that my name is XXXX XXXX XXXX. My name is not XXXX XXXX XXXX XXXX. I am a woman and I do not have any suffix at the end of my name.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax is violating the CARES Act of 2020 due to fraudulently reporting my federal student loan as delinquent or in default. Due to the CARES Act of 2020, ALL federal student loan payments have been suspended until XX/XX/2020. Equifax has again shown itself to be INCAPABLE of maintaining current or truthful information for individuals ' credit reports. Equifax needs to be CLOSED completely due to their incompetence or it needs to be SANCTIONED for fraudulent credit reporting practices. Hardworking Americans already have enough to deal with without Equifax tanking credit scores because it too lazy or XXXX to stay on top of current information.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Mortgage extended a privilege opportunity to me to do a short sale, which I greatly appreciate, but their tactics show that they are not truly interested in extending the privilege to me, rather they are being very uncooperative in doing so. 
We had a buyer and the buyer 's lender appraised the property for {$640000.00}, but the short sale approval was for {$720000.00}. The buyer walked away, because the approval was {$80000.00}, higher than the value. 
We now have another buyer who offered {$560000.00}, but the appraisal is {$660000.00}, and the buyer is willing to pay {$660000.00}, but Chase wants the buyer to pay {>= $1,000,000}, which is completely outside the appraised value. 

Their rationale is that they used a Broker Price Opinion Agent who gave them that value, but I contended that they should get a value from a professional valuator like an Appraiser. I have asked them to compare Appraisal Report from a professional to Appraisal from  another Professional Appraisal instead of Comparing A BPO agent report to a Professional Report.
Consumer complaint received 2022-07-30
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)

These bankruptcies was dismissed. CREDIT BUREAUS need to remove these Bankruptcy XXXX XXXXdismissed US BKPT CT FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX and Bankruptcy XXXX XXXXXXXXdischarged US BKPT CT FL XXXX Filed on XX/XX/XXXX Reference number : XXXX from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I opened an Capital One secured credit card on XX/XX/2019 and paid two separate deposits of {$49.00}, a total of {$98.00} and a few days later I decided against the idea of a secured credit card so I called and canceled it. The representative told me that Capital One will refund me my {$98.00} deposit via a check within 2 weeks but they never did, Ive called several times over the last 2 months and I keep getting excuses on why I havent received my refund followed by the representatives telling me just give it two more weeks, theyll make sure I get it this time I just dont know why a financial institution as big as Capital One is trying to steal {$98.00} from me.
Consumer complaint received 2020-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding XXXX XXXX  XXXX XXXX, SC XXXX XXXX Problem with LVNV Funding for allowing incorrect information to show on my credit report. According to FCRA section 609, when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened. 

1 ) LVNV funding # XXXX {$550.00} I have not done any business with these companies. 

Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.
Consumer complaint received 2023-03-15
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX FCRA section 623 ( a ) ( 1 ) ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Contains incorrect Information address and is not my account XXXX XXXX XXXX  also being reported on all 3 bureaus conflicting account opened dates this account was also opened in XXXX but conflicting on all reports XXXX XXXX  also not my account conflicting information on all 3 bureaus address I did not live at I have reported my identity being stolen or used I have been successful with some and not all they won't delete I have disputed items I also have been compromised on the dark web in 3major data breaches in the bureaus XXXX also not my account also being reported to all bureaus in question this account was opened in XX/XX/XXXX also conflicting dates opened in reports wrong address used too open account XXXX XXXX XXXX opened XX/XX/XXXX Also not my account wrong address conflicting information XXXX account paid by a payday loan direct deposited into this account before closed and still they report this as unpaid derogatory XXXX also XXXX being reported numerous times under different names being reported as secured and it is not secured with anything at all also conflicting information addresses amounts and information Under FCRA it is my right as a citizen too have these accounts removed from my reports that are being reported as derogatory closed collections wrong addresses conflicting names addresses my address amounts personal information I have disputed these with the CRA and got nowhere my life is in shambles these accounts are hurting me from building a proper credit profile that I need too move forward in life for my family I do not know what else too do I need help getting these items removed from my reports im hoping this is the right way or my right option because nothing else has worked thank you for you time
Consumer complaint received 2020-08-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (FL)

In a response provided by the company Eagle Home Mortgage , LLC., regarding a matter in relation to the denial of approval for a Federal Housing Administration loan for which I am continuing to seek further information and clarification, the mortgage lending entity Eagle Home Mortgage details that on XX/XX/2020, " Statement of Denial ... was sent to MrXXXX XXXX current address via U.S. mail. '' As the applicant, who clarified my mailing address in  numerous pieces of documentation, I never received such a letter detailing the reasons behind the denial of my mortgage application, neither by mail nor electronic messaging, and have continued seeking this piece of information from the mortgage lender, as it is a crucial piece of evidence in my continued dealings with a home builder in the state of Florida. 

I am requesting that Eagle Home Mortgage forward me evidence of the mailing of such a letter, such as a tracking number, a date and time scan from the mailer provided in a paper report, or stamp with the date and time of acceptance to verify the truthfulness of this claim. Additionally, because the matter of my denial pertains to disclosures of my citizenship status in the United States, I would like the lending entity to clarify whether they explained, disclosed, or stressed during the lending process that approval of the loan was contingent to status as a U.S. citizen or permanent resident, and why it is that a discrepancy exists between their copy of in my responses to Section VIII of my initial Uniform Residential Loan Application and my own original version. 

The responses I have received from the lender are in contradiction with guidelines established by the Federal Housing Administration,  so I am seeking to be in receipt of their lending policy procedures and details of their requirements, in addition to evidence of whether such requirements were disclosed from the beginning of my initial application.
Consumer complaint received 2020-05-24
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$390.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.
Consumer complaint received 2022-07-30
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Account # XXXX, XXXX and XXXX XXXX XXXX  Account XXXX XXXX have 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 2020-05-24
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. (CA)

On XX/XX/XXXX XXXX XXXX  had submitted to XXXX  and Transunion that my mortgage is in forbearance/deferment. Under the Cares act my credit score should not have changed. However due to this remark both my XXXX  and Transunion scores dropped more than 40 points. I contacted both credit bureaus to let them know that my score should not have dropped for the remark from XXXX XXXX. Both companies have replied back to me saying that they do not agree w/ my statement.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc. (SC)

XXXX XXXX Unknown individual in this company has reported incorrect information to a 3rd party .... ( hirerite ) ... the information they are reporting is not at all accurate ... they have pictures i sent them that shows a mudflap pulled off of the truck..they are reporting it as an accident ... ..which is false ... they are lying about it ... in order to prevent me from getting hired by another company ... because all their drivers are quitting due to poor treatment ... unpaid wages ... and a lack of any decent..ethical..treatment from management ... .they are in survival mode..and will damage a drivers work history to try to keep them from leaving..
Consumer complaint received 2022-07-30
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)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. However, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the TransUnion end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XXXX XX/XX/XXXX