davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX of this year, I received an alert about a hard inquiry made by XXXX Bank, being sure that I had not requested any service and I disputed it before XXXX and Transunion. Then in XXXX I received another alert from a hard inquiry from XXXX Bank and another from XXXX, being sure that I had not requested any service. I also did both disputes. At the beginning of XXXX I received calls from XXXX Bank and there I learned that the case of the month of XXXX corresponded to a XXXX XXXX XXXX requested in person at a store. Obviously it wasn't me because I've never set foot in a XXXX XXXX, I don't even know what it looks like inside. Later I found out that the other inquiry from XXXX Bank corresponded to XXXX XXXX XXXX and although if I have ever bought in that store, it has always been cash and I have never applied for a card or credit. And finally, I investigated, and the one corresponding to XXXX was related to XXXX XXXX, a store where I bought and had a credit card many years ago but closed it because I didn't use it. I closed it over 5 years ago.
Consumer complaint received 2020-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}, {$8500.00}, {$13000.00}, {$0.00}, {$1100.00}, {$0.00}. 
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 ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-07-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be updated. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
XXXX XXXX Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once.
Consumer complaint received 2020-10-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had 2 purchases from XXXX that were reported as fraud. XX/XX/XXXX for {$600.00} & XX/XX/XXXX for {$11.00}. I did not authorize either purchase and had possession of my card. When I discovered it I reported it as fraud and an investigation was opened. I was given a credit back for these charges while the investigation took place. On XX/XX/XXXX the {$600.00} was charged back to my credit card and on XX/XX/XXXX {$11.00} was charged back. This is of course a new card as my old card was shut off due to the reporting of this fraud. After talking with Capital One they state there is nothing they can do as they show the purchases were 'authorized '' even though I keep telling them they were not. I talked with " XXXX '' in the Fraud Dept who said she was the " highest up '' person I could speak with. When I asked for her information/ extension she dismissed my request. The call occurred XX/XX/XXXX @ approx XXXX PST to XXXX. My email and phone were hacked on XX/XX/XXXX and I have had my IT person trying to clean it up ever since. I have called XXXX and they told me that an account was opened using my information on XX/XX/XXXX so I cancelled it. On our around the middle of XXXX I received a microphone from USPS in my office. I assumed this was part of the fraud and reported it to the USPS in the form of a fraud complaint. I still have the package as USPS asked me to keep it in case they needed it for their investigation. After taking to the Rep at XXXX, XXXX, he is sending a label to mail t he piece back. This call was placed @ XXXX PST to XXXX. This item was the charge for {$11.00}. I will take a picture of the item before I send it back. The paperwork inside the package is attached. When I called the number is sounded like a scam recording so I did not dare log onto the web address. I kept this paperwork as instructed by USPS. Apparently the {$600.00} charge was for something you download for XXXX  which I have never had being a XXXX year old woman. Because Cap One is indifferent to my fraud claim I will now file a Police Report with the XXXX Police Department. I also reported this to the XXXX  when it occurred, see attachments. The information listed on the original charge was below, a disconnected number when you call it. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Merchant Website
Consumer complaint received 2022-09-21
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)

It appears that my credit 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 XXXX and TransUnion 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 ). Please remove these files. XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$31.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} ; If XXXX and TransUnion 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 XXXX and TransUnion 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 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (DE)

I filed a fraud claim with JP Morgan Chase. The company denied the claim and when I asked for the reason they said " it does not look like the fraud we normally see ''. I asked if they had proof that I authorized someone else to use my card and the representative said " no ''. 

I sent in the appeal letter but still not giving any specific reasons. I've filed my police report as well. No resolution.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recoveries listed a collection account on my credit report. I contacted them and we settled the account and I was told in writing as well as from their website directly that once the account was paid in full it would be deleted within 30 days. The account is paid in full, but 2 days after it was paid the account updated with a balance. It was not deleted, and the balance due was updated to {$200.00}. 
They need to stand by their word and delete the account not update the account/ balance. 

I am submitting proof directly from their website showing their policy about deleting it, not updating it. Also showing proof its been paid in full.
Consumer complaint received 2022-09-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sammamish Mortgage Company (OR)

I began my mortgage shopping on XX/XX/XXXX. 

on XX/XX/XXXX i spoke with XXXX XXXX with Sammamish Mortgage I asked him to pull my credit to see if i qualify. XXXX refused, said he could do it the following day. I told him i didn't want to do it after today because i will be leaving the 14 day window for shopping. Outside of 14 days, if he pulls my credit it will have a hard ( negative ) impact on my vantage score. XXXX told me i have 45 days, but he is not aware that the 45 day window is only for XXXX, not XXXX. If i took steves advice, i would have a second hard incquiry on my XXXX XXXX which will affect my credit worthiness. 

It's important to properly educate customers that the 14 day shopping window is only for XXXX and the 45 day window is for XXXX. This can be indicator of XXXX, misleading the customer to get them to purchase a product.
Consumer complaint received 2020-09-01
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. (WA)

On XX/XX/2020, i entered into an agreement with XXXX XXXX XXXX account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if XXXX and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript  be obtained if needed. I have Verbal Authorization on my XXXX XXXX acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told XXXX XXXX to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. thank you
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed a copy of my credit report and I noticed a account that is the result of fraud I contacted the creditor and asked to verify this account and it wasnt done I also requested a block of this information from my credit report from TransUnion XXXX and XXXX per fcra subsection b and 15 usc 1681 c2 and I never received a response back for this request Please block this account immediately XXXX XXXX XXXXXXXX Amount {$2000.00}
Consumer complaint received 2022-09-21
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected PRONTO : XXXX XXXX XXXX XXXX  XXXX .... Date opened XX/XX/2017 Balance $ XXXX-Late/Open Late Date XXXX
Consumer complaint received 2021-09-13
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. (CA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (CA)

I refinanced my mortgage loan from Dovenmuehle Mortgage solutions in Illinois to XXXX  XXXX XXXX XXXX XXXX  ( I was told it was same company just different location ) I started the process in XXXX of XXXX. I paid my last mortgage payment to Dovenmuehle Mortgage solutions IL on XX/XX/XXXX. My loan closed on XX/XX/XXXX. Dovenmuehle IL reported a 30 day late on my credit file for the month of XX/XX/XXXX. I used the VA streamline process, I was told by VA that I could not have been 30 days late, I would not have qualified for VA streamline. Since then I have attempted several times by phone XX/XX/XXXX, XX/XX/XXXX certified letter XX/XX/XXXX to resolve the issue with Dovenmuehle IL, Ive asked them to remove incorrect info, I asked for " good adjustment '' They have not responded, nor have they removed incorrect info. I do not know what else to do. I would greatly appreciate your assistance in this matter. I feel my credit worthiness is being negatively effected, the 30 day late does not reflect my creditworthiness at all. I have never had a 30 day late on my credit report before this incident or after.
Consumer complaint received 2020-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (MN)

XX/XX/2020 I bought XXXX  via cash app. I was asked to add my ID to my profile to verify it was me using the account. I tried numerous of times to upload my info to the app but it kept giving me an error message that it could not read my ID. I looked into the steps again to make sure my photo was in good lighting etc. After doing those steps again, I continued to get this error message. I decided to contact support services on XX/XX/2020 I received an email for cash app support with employee names XXXX stated that I should upload my ID front and back and send it within the secure folder link that was sent with email. I did this and was told it will talk up to 10 days for a response. On XX/XX/XXXX I sent a follow up email to ask if they are going to respond to my request.. I have it another 3 days and sent the same email asking for an update. I did this about 2 more times and still have not gotten any response yet.
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Moss Law Firm, P.C. (TX)

On XX/XX/20 I called in to discuss the debt. I have been under a lot of duress given that I am going through a divorce currently. I did not want to share that with them and just asked what I could do to resolve the debt via a settlement. I am stating I personally owed it or that the debt is valid, but given everything going on in my life, I just wanted to settle it and be done with it. 

I asked XXXX XXXX to see about what they were willing to settle for given my current state of mind. They disclosed the debt to him prior to him verifying and gave the mini miranda afterwards as well. They makes me very uncomfortable as that means anyone could call in. Secondly they gave me a very high offer and stated if I wanted it lower I had to give out detrimental information to myself. They refused to tell me the date the account charged off which now makes me wonder if this was out of statue. Very deceptive practices. In addition XXXX XXXX, atty rep, XXXX XXXX supervisor, and atty XXXX XXXX - stated that XXXX policy states that we must acknowledge that I would stay on the line in order for the conversation to continue. They would not move forward unless I acknowledge that. 
XXXX
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (AZ)

It was suggested that I file a complaint with you all by the XXXX XXXX hotline. On XX/XX/2021 I was the victim of a scam in the amount of {$2000.00}. Scam details aren't relevant here except that it required my going to my bank XXXX National Bank of Arizona XXXX and making a cash withdrawal of a little over $ XXXX. I wasn't able to signal that I was making withdrawal under duress, because of the following : 1XXXX mask prevented me from mouthing anything 2. nothing to write teller a note on 3. the scammers were on the phone listening the entire time. I would have welcomed someone questioning this uncharacteristically large withdrawal, which was almost my entire savings - at least asking was I okay. 
when I filed police report the officer said that I should call my bank, which I in turn did on XX/XX/XXXX, XXXX the representative was nice but said nothing they could do - which I expected. However after giving the matter some thought I was disappointed that no one questioned my making such a weird cash withdrawal when it wasn't my pattern. this may have stopped things there had they realized a problem and summoned law enforcement. 
I told the rep that I would like to see policies changed so in the future other victims might be saved from what I had gone through. I asked to speak with someone in operations, stating that I didn't see the value of speaking to a branch manageXXXX since they could not effect any real change. 
on XX/XX/2021 I received a call from XXXX XXXX, who was the branch mgr of the XXXX AZ branch. This was not the branch I visited, but XXXX az does have some connection to the scam, so someone got details all mixed up. Anyway Mr. XXXX was extremely rude and condescending, and was adamant that nothing could have been done/ I didn't do enough etc. I was already XXXX so honestly I just hung up. Following this call I reached out through the bank 's social media on XXXX to let them know how disappointed I was. On XX/XX/XXXX I received a call from XXXX, the branch manager of the XXXX branch that I had visited. She at least was very polite, asked a lot of questions. She said that she would " pass on '' my suggestions, but there were still undertones that she probably thought I was a XXXX 
I'm offended that I was never offered the opportunity to speak to any higher ups as I requested, and especially offended at the way i was treated by the first branch manager who called me. 
all I'm really trying to do is to raise awareness that tellers should question uncharacteristically large withdrawals. There is so much fraud these days that this could happen to anyone, and the bank would be a good place to intercept. I'm disappointed that my message has seemed to fall on deaf ears. 
I never would have taken it any further except the lady at the XXXX XXXX XXXX  said that it sounded like my bank treated me very disrespectfully, and I should report it. I don't really think they care one way or the other.