davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-23
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: Experian Information Solutions Inc. (IL)

A ACCOUNT WAS OPENED IN MY NAME FRAUDLENTLY. I HAVE NEVER OPENED AN ACCOUNT FROM XXXX XXXX XXXX XXXX. I HAVE TRIED TO COMMUNICATE THIS WITH THIS COMPANY SEVERAL TIMES AND HAVE BEEN IGNORED.
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XXXX/XXXX/22, I made a authorized purchase with XXXX for {$1500.00}. 

XXXX them canceled the whole amount either on the same day or the XXXX. 

On the XXXX, XXXX did a unauthorized charge in the amount of {$1400.00}. 
On the XXXX, they did a 2nd unauthorized charge of {$15.00}. 

Of course, neither Captial One or XXXX had let me know about said charges. 
As soon as I noticed the charges ( 2-3 days afterwards ) I contacted XXXX. 
Of course, no response. 

I then filed a complaint with the XXXX  against XXXX ( still ongoing, they basically admitted doing fraud ). 

I then tried to start the dispute process online with Capitol One online/app. 
It did not let me. 
It told me to call the XXXX # instead. 

( NOT POSSIBLE, I have a XXXX XXXX. In the past, it gave me the option to do it online and in the app ). 

I then started to the process of filing a complaint with the XXXX  about XXXX XXXX 
I decided to delay it because XXXX  gave me an email to XXXX. 

I sent an email to XXXX, I explained whats going on and wanted to start the dispute process on the {$15.00} and possilbly doing a partail dispute on the {$1400.00}. 

To this day, no response. 
However, they did started the dispute process of the {$15.00} and a partail dispute of the {$1400.00} Now for the big issue. 

I checked my XXXX app today ( XX/XX/XXXX2022 ), it shows that XXXX reversed the charges on XX/XX/XXXX22 and wants me to pay for the illegal charges. 

XXXX did not even told me about any of it! 


Fast forward to XXXX. 
XXXX finaly got back to me after I filed the XXXX  complaint against them. 
After a while, the pretty much admited they commited fraud and refuse to do anything. 

At this point of time, I need to start the dispute process on the whole amount for both of the charges. 
{$1400.00} and {$15.00}
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All three Credit Bureaus. TransUnion, XXXX, and XXXX are reporting inaccurate information regarding my account with XXXX XXXX XXXX, XXXX. XXXX and account balance are inaccurate. 

Both XXXX and XXXX has responded, but TransUnion has not responded from last compliant on balance and XXXX reported. The balance of {$4900.00} is inaccurate and the XXXX is inaccurate. 

All information provided will be used along with this complaint against all three Bureau in legal action big not corrected ASAP. I'm a litious consumer. This is a violation of my consumer rights and has affected my credit report and credit utilization negatively.
Consumer complaint received 2021-01-23
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: Bread Financial Holdings, Inc. (FL)

I am a victim of identity theft and my Zales card was opened fraudulently. After contacting Zales and sending an FTC identity theft report, they closed the account but it remains in my credit report showing a closed card with balance.
Consumer complaint received 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

HELLO ON XX/XX/2022 I ask Fay Servicing to have escrow to pay property taxes They lied about fees. we ask them to close the account. Because I already paying the city They said that they will process it and they never did it. 
It is one year that passed, we keep asking them to close the escrow acct and refund the tax payment I provide all the papers, letters, documents that they requested. 
I even went to city and found out more than than they asked for. 
They keep playing and saying waiting to get answer from the city and in a mean while they are charging me. 
I send them the proof from the city they got refunded about 6 months ago. 
They got over $ XXXX from city of XXXX XXXX ( people money ) and they are saying they cant see it in their account, and waiting to get answer from the city???? city dont call back anyone, I send them the proof of the wire from the city Apparently they dont credit customers account They get money from the city and charge the client as well. THIS IS FRAUD
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (VA)

I incurred a {$200.00} medical expense at XXXX  XXXX XXXX ( XXXX ) ( owned by XXXX XXXX ) in XX/XX/XXXX. I never received an actual bill from them ( which is a separate issue ), but I began received calls from XXXX XXXX XXXX XXXX ( XXXX ) about a year later, XX/XX/XXXX. I paid the debt in full to XXXX. I did not receive a receipt directly from XXXX, but the payment is shown on my VHC/Alteon records XXXX The balance now shows as {$0.00}. 

In XX/XX/XXXX, I began received letters from an entity calling themselves " The Law Offices of Mitchell D. Bluhm and Associated '' ( MBA ) stating that I still owed {$200.00} for the same date of service ( XX/XX/XXXX ), which I had already paid to XXXX. I contacted XXXX in XX/XX/XXXX contesting the debt, providing a copy of my {$0.00} balance with XXXX  showing the XX/XX/XXXX {$200.00} payment to XXXX. In early XXXX, I received a response saying that they did not accept my proof and would not clear the debt. 

I have also tried contacting XXXX to obtain a receipt for my XX/XX/XXXX payment, but all numbers I have found do not work. I also tried their posted email in XX/XX/XXXX and have not received a response as of XX/XX/XXXX.
Consumer complaint received 2021-01-23
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1600.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$1600.00} -This is not my account.
Consumer complaint received 2022-09-26
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: LEXISNEXIS (AL)

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy. 

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations, and other documentation used with my previous disputes XXXX removed the bankruptcy it still appears on XXXX, XXXX the court sent me a letter stating they do not report information to anyone so how are they verifying the information mailed letter to LexisNexis no respond. They are clearly in NONCOMPLIANCE with XXXX reporting requisites per CRGG as well as the FCRA, and thus damaging my credit. I have been deputing this since XXXX with evidence keeps coming back verified but they won't send me proof of verification.
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

Previous mortgage company = XXXX XXXX XXXX mortgage company = AmeriSave I closed refinancing on XXXX XXXX, 2020. Refinancing mortgage company has not paid in full the previous mortgage company even after a month and now I am being shown as late/default on my previous mortgage company. 

Would like you to look into this ASAP and resolve. 

Thank you.
Consumer complaint received 2022-09-26
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX There was two ATM withdraws from Chase Bank. One for {$1000.00} @ XXXX PM and {$2000.00} @ XXXX. It was not me. I did not receive a alert from Chase Bank until AFTER the transactions took pLACE. 

I called Customer Service as soon as I found out and they explained to me someone created a XXXX pay account @ XXXX and withdrew the money. 

I have talked to them many times and they tell me there is nothing they could do for me. They have been rude to me too. 
I went in the bank a few times also. They could clearly see it wasn't me. A different phone number was used to create the account that was used. 

I also want to know why I wasn't alerted before the money was withdrawn. 
They did decline one transaction from XXXX for XXXX but let {$3000.00} out of the ATM?? 
This was at Chase Bank XXXX XXXX XXXX ( they actually had to go in the bank to withdraw the money )
Consumer complaint received 2022-11-05
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)

I have had to freeze my account with experian on XXXX occasions in which I never unfroze my account Now it is reporting hard inquiries that were removed I never unfroze my account
Consumer complaint received 2022-09-26
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. (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-12
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)

It appears that my credit/my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please block/remove these files. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : $ XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$19000.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XX/XX/XXXX, I opened a saving account in the amount of {$5000.00} with Bank of America. The account specialist persuade me to open the savings account with Money Market Savings. He informed me that MMS gives better interest rates and they fluctuate more in my favor more than if I were to just invested in the regular saving interest. I never got any statements. Ive never checked the balance. 
On XX/XX/XXXX, I went to BoA and withdrew {$5000.00} and told the teller to close out my account. 
In XX/XX/XXXX, Ive notice my checking accounts from BoA and XXXX XXXX XXXX and fraudulent charges and charges made by other than me. I also asked about my savings account to BoA. They printed me one copy at the branch. Ive requested another copied from corporate and was charged {$160.00}. They immediately purged my savings account. Ive made numerous attempts to question why my interest rate stayed at 0.02 % annually? That breaks down to {$0.00} a month. But, the interest dollar amount did not reflect equal to the interest rate. It was even less than at some months. Id would only get {$0.00} or {$0.00}. Some months, Id get {$0.00}. Some months {$0.00}. Majority of the times its {$0.00}, no matter what my end balance is. Sometimes the annual amount earned and amount paid doesnt even add up. 
Ive made countless inquiries to account managers, specialists, branch managers. None, not one can explain why. Thats four branchs Ive visited. Calls, endlessly without success. They even try to ridicule me until Ive asked if they would buy into it. And, why doesnt the numbers add up. Even if the interest amount were to be rounded up or down, the amount doesnt equal the calculations. They purged my account after my second inquiry of why my savings account was thus.
Consumer complaint received 2021-01-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation (CA)

I can not afford my home ; I requested a loan modification from XXXX  Franklin and they approved me at a payment I can not afford. So, I tried to do a short sale, hired a Realtor, obtained an offer over the value and my realtor submitted to the lender. They took 2 weeks to review and then denied me for no reason, other than they want over {$100000.00} more from a buyer of what the house is worth. I know for a fact they have approved hundreds of other short sales using the market value. They refuse to use the market value with my situation. There is no other rational explanation on why they will not treat me the same as others clients. 

As described above, I have been denied to short sale my property, the lender says they are going to foreclose. This is a second lender and they are going to receive less money if they foreclose verses moving forward with a short sale in which they would benefit more. Why would a company choose to receive less money and deny me? They have approved many other clients, yet denying me.
Consumer complaint received 2022-11-29
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-23
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. (NV)

I, the consumer sent all 3 credit bureaus XXXX, XXXX, and TransUnion a removal letter through certified mail. The dispute letters were sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' I also sent all 3 letters with a green return receipt and only two of those corporations have signed saying they received them. Under federal law, these corporations have violated me as a consumer. XXXX, XXXX, and TransUnion 's agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but the corporation. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.
Consumer complaint received 2021-01-23
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. (MA)

XXXX XXXX, is reporting my account, as 30 days late, which this account was paid off and had an issue with personnel taking a payment, and was harassed, to which I had to speak to the corporate office. I was not informed that this issue would result in a late payment as it was not my fault. I have called and spoke to XXXX XXXX several times and have since learned that they are involved in a class action suit due to their abusive collection practices. I have since received a call after reporting them to XXXX  and XXXX XXXX and XXXX  and XXXX XXXX did remove this account, but Experian refuses to remove it or to validate this account. as a result, it's keeping my Fico score with only Experian low. Experian FICO score rating is at least 64-94 points lower than my other credit bureaus scores. Also Exoerian is refusing me to dispute this account on their website.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

During XXXX XXXX Best Buy had offered a 10 % cash back reward when applying for a Best Buy credit card and using it to complete the purchase. So I had applied for XXXX and used it to complete the purchase ; in addition, I firmly recall that I had selected to receive the rewards in my credit card and had expected to see it in my next credit card statement. However, to this day I still have not seen the rewards in my credit card statement and that Best Buy and Citi ( the credit card company ) had seem to be pointing fingers at each other on the where about of my rewards. So it is my understanding that the companies are engaged in unfair and dishonest consumer financial practice in to generate fees in new credit card accounts, and without the intention to provide an actual cash reward.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A 609 letter was sent out to XXXX, XXXX, and TransUnion on XX/XX/XXXX. Another letter for FAILURE TO RESPOND TO DELETION/CORRECTION LETTER was sent out on XX/XX/XXXX, to XXXX, XXXX, and TransUnion.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX was paid prior to my filing for bankruptcy, was at a XXXX   balance before collections, and should not have gone to collections in the frist place.