davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I sent TransUnion a letter disputing and laying out multiple errors in my credit file pertaining to a credit card account with XXXX XXXX  with an account number of XXXX. The account showed an incorrect balance of {$5500.00}, a past due amount of {$5500.00}, a payment amount of {$0.00}, and a date of last payment of XX/XX/XXXX. In addition, the account failed to note any previous disputes I had made, which is a violation of my rights. In my dispute letter, I included a settlement agreement with XXXX and cancelled checks showing I met the requirements and satisfied the full account balance. I received a response from TransUnion on or about XX/XX/XXXX that said a change was made to the XXXX account ; however, none of the items I disputed showed any changes. The account still showed a balance and past due amount of {$5500.00}, despite the fact I sent them proof showing that to be false. The account did not show any notation of my recent dispute or that it was settled.
Consumer complaint received 2023-02-27
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. (NY)

I looked at my credit report I seen inquiries XXXX inquiries which are XXXX. XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXXe XX/XX/XXXX and XXXX XX/XX/XXXX. I had spoken to all parties and was referred to talk to Transunion about the matter. When I spoke to Transunion XXXX was told to write an FTC report and CFPB report and once they get it, they will remove these inquiries from my credit report. I hope you could resolve this matter with Transunion and appreciate anything that can be done. 

Thank you for your time.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

Last week I figured out my bank account was frozen by Chase bank after I deposited my first pay check from my new employer which is a very well known name company. They never called to notify or anything. I've been their customer for 10 years. I made the call to find out what happen. Chase informed me they restricted my account due to the check being flagged and now they need to verify with the sender of the check and my employer within 10 days or the account would be closed and all of my funds from the check will be kept by them. This happened after the check had cleared and I had actually made several transactions to pay off all my credit card balances and put money in my stock accounts. Due to them freezing the account they reversed all of these transactions which led to my credit score dropping several points, high interest payments that would of been paid had the transactions been able to finish, forced to liquidate some of my stocks due to transactions being reversed, gym membership and car insurance threating to cancel due to automatic payments not going through. Also I had to loose several days of work going back and forth with Chase both over the phone and in person at local branches. They tell me they need to verify verbally through a registered number from my employer and they will not accept any other way. I've tryed this with them so many times but the number they have to use takes them to voicemail, and the payroll numbers I've tryed to give them to verify with the department that sent the check they say is not registered numbers so they will not accept it as verification. I've been going back and forth between my employer and Chase to try and fix this extremely urgent issue but they just will not be reasonable in any way shape or form. I cant even pay my rent, all of the money I have was from that paycheck. This is a horrible bank that has caused me high levels of stress, caused me to loose even more money by the day, and lost of sleep.
Consumer complaint received 2020-06-23
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. (FL)

I have been reaching out to Experian and XXXX regarding an account that was placed on my credit report back in XXXX with XXXX XXXX XXXX. I have sent over 10 letters and verification of all documents requesting that an investigation be done since this same account was on my credit report under XXXX years ago and was removed from all 3 because I do not owe this debt. The company just sent me a signed contract from XXXX on XXXX XXXX which very well indicates a one year contract which I canceled because # 1 my house was broken into and # 2 XXXX went out of business after filing a Chpter XXXX. I have contacted this debt buying company as well to get this information removed, I have filed several complaints with the XXXX XXXX XXXX  and with the CFPB because 1st I never received the validity of the debt within 30 days of request. Also it's a debt that I donot owe. Both Experian and XXXX continue to Update this information from XXXX XXXX   with out any verification. Therefore I have also seeked an attorney for assistance and received a call from XXXX on Friday XXXX XXXX from XXXX XXXX XXXX telling me that he received an email from XXXX indicating that this was a verbal agreement to continue my contract with XXXX he also stated that there was no signed affadavidit however he would send me what they received. So therefore there is nothing showing I owe this debt and there was never a conversation that we can go to court on stating I agreed to this, .Credit report shows placed for collections XXXX howeer this was added in XXXX indicates that XXXX/ XXXX is the company and my paperwork which they sent me states XXXX XXXX which was the solicting company working for XXXX.
Consumer complaint received 2023-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Helvey & Associates, Inc., Warsaw, IN Branch (MD)

On XX/XX/XXXX, I tried to secure a loan but was told my credit had a debt collection against it and I could only get the loan at a higher rate. I immediately pulled my credit report only to find my total score dropped XXXX points ( XXXX to XXXX ) and I had a debt collection against me. This was a 1st heard for me and I didn't get any notices or calls prior to this date. I immediately placed a fraud alert on my credit report. 
I called the 3rd party debt collector Helvey & Associates INC on XX/XX/XXXX, who is attempting collection on the behalf of XXXX XXXX in North Carolina. I wasn't able to talk to anyone as their organization was closed. I left a voicemail and received a call the following day ( XX/XX/XXXX ) in which we discussed the matter. During that conversation, I learned there was an electric bill account ( XXXX XXXX ) in North Carolina opened over 14 years ago in my name and there was a balance under {$900.00} that now has morphed into a balance of {$2300.00}. My account and credit was flagged XX/XX/XXXX by the collection agency. My credit report/history never had an entry from XXXX XXXX or this collection agency before last year. 
I never lived in that state, however I did own a rental property at the address in question ( XXXX XXXX XXXX. XXXX, NC ) over 14 years ago and sold it not long afterwards. I ended up suing my last tenant for eviction ( and won ) and later sold the home. 
This debt collection and the creation of a false account in my name has effected my credit score, opportunity to make purchases at competitive rates and now I must report to my government employer as I currently hold a security clearance. 
I would like this resolved by removal of the the debt, my credit score placed back intact and a fraudulent alert placed on my account.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I applied for a CapitalOne XXXX card in XXXX, with a zero percent introductory rate for 12 months. After reviewing my statements, I realized they have been charging me interest greater than 15 % since I received the card. When I contacted CapitalOne, they said I was likely declined for the card with zero percent interest that I originally applied for and was given a counter offer of this card instead. I do not recall any notification of being declined for the original offer and feel I was tricked into the card I received.
Consumer complaint received 2023-02-26
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. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-26
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. (FL)

I have pulled my Transunion report and noticed an incorrect account that had previously been disputed and transunion refused to delete from my account and did not properly investigate my dispute. I sent transunion a certified mail copy on XX/XX/2019 XX/XX/2019 I also reached out to XXXX XXXX on XX/XX/2019 and on XX/XX/2019. Their response was they could not resolve the dispute because they could not find enough information on their end. They still refused to delete this and it remains on my report hurting my chances to obtain a home. 
Please see Proof attached. Thank you
Consumer complaint received 2020-06-23
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$320.00} XXXX XXXXXXXX {$490.00} XXXX XXXXXXXX {$5500.00} XXXX XXXX {$700.00} XXXX  XXXX {$1000.00}
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Experian will not let me dispute a bankruptcy on credit report States XXXX XXXX XXXX XXXX XXXX Too Old for credit report Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can upload it here. You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

If they wont let a dispute go through how can I submit further information/details There is a lawsuit against Experian for not responding to disputes but I would rather handle this matter as quickly as possible I have attempted to dispute this bankruptcy every month since 2022 and XXXX and XXXX but have failed each time
Consumer complaint received 2020-11-27
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: LJ Ross Associates (NY)

There are 2 fraudulent collection accounts on my credit. LJ ROSS AND XXXX. I didnt open these accounts nor did I authorize anyone to open these accounts on my behalf. Please remove these 2 fraudulent accounts from my credit
Consumer complaint received 2019-03-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

We had a loan with chase, and we ended up in pre foreclosure. They started the foreclosure process, but we sold it before it was finalized. XXXX county public documents show we sold it to an individual. Foreclosure is defined as sold at auction. But this did not happen. We sold it before hand. But on our credit report it says foreclosure paid. Which is not the case. We have contacted them, and they will not remove or reword it correctly. So as we are trying to get another house 2 years after the fact, it is being denied due to a foreclosure. We need this removed from our reports
Consumer complaint received 2023-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to dispute the accuracy of an account on my credit report that is being reported by TransUnion. The account in question is [ account name and number ], which is being reported as collection. I believe this account is inaccurate and request that TransUnion investigate the account to ensure that it is being reported correctly. I also request that TransUnion provide me with validation of the account in question, including but not limited to : * The name and address of the original creditor * The original account number * The date the account was opened and closed, if applicable * The total amount owed on the account * The dates and amounts of all payments made on the account If TransUnion is unable to provide validation of the account, or if the account is found to be inaccurate, I request that TransUnion remove the account from my credit report.

* Enclosed with this letter, please find a copy of my credit report highlighting the account in question.

* Thank you for your attention to this matter. 
* Sincerely, * XXXX XXXX
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

the reason I was hoping to speak to you was to explain my current delicate and situation between me, the bank of America , & EDD agency... they're at fault of approximately XXXX dollars of mine being stolen all because the bank of America 's system wouldn't update my address change and was sending mail to the wrong address, they kept blaming edd system saying their system goes off what the edd system gives them, but the edd system has made the update to the correct address because I was receiving mail from edd, and because bank of America wouldn't fix this error even though I'd called them at least 40 to 50 times asking them to fix this issue, they said they couldn't and wouldn't and told me to call edd... but because they didn't fix it for over a year, I had no way of viewing bank statements, or my account history, or any way of finding out about the money that had been stolen off of my card that the bank sent our to the wrong address, when they did fix it over a year later, when I did finally find out, I alerted them immediately and filed to get my money back following every step they told me to, and I even had a supervisor of the fraud department tell me not to worry that I would be getting my money back into my account in ten days, but the bank told me after that that person lied and then they began denying my claims ever since, no matter how many times I filed and refiled, I had been hung up on countless times, called names, laughed at and lied to all by bank of America staff and it's all on record with me filling complaints in each person guilty of doing such things,... I only about 6 months ago was told that I needed to go after edd and not bank of America to get my money because there truly at fault for having the faulty system that didn't send out the proper update to bank of america..America... so I began calling andemailing the edd but haven't even got a response or any thing other then a claim number and confirmation that they've received my emails and that's it.. please help me, I've done everything I was told filed police reports, sent them hand written letters explaining the events and what happened, told them who I believed was at fault etc .... I really just need help from someone they won't brush off and be disrespectful to and mistreat for no reason, please help me
Consumer complaint received 2023-02-26
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. (KY)

I am a victim of Identity theft, XXXX XXXX, and XXXX XXXX, has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2022-07-12
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: Synovus Bank (AZ)

On XX/XX/2022, correspondence was sent in regards to CFPB Complaint # XXXX to First Progress Cards Vice President XXXX XXXX to the address provided on the attached letter submitted on his behalf. The correspondence I sent gave an explanation for the past due amount that appears on my credit report. I requested an opportunity to pay the {$160.00} in full in exchange to have the account status updated to reflect PAID IN FULL AS AGREED. However, it has been 2 months since the correspondence was delivered via certified return receipt mail ( XXXX ) and no response has been received.
Consumer complaint received 2023-02-27
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. (MI)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance XXXX {$16000.00} XXXXXXXX XXXX XXXX Balance : {$8300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-27
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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/20, I was charged {$130.00} on my Goldman Sachs Apple Card with the description " Apple XXXX XXXX. '' I did not have any receipt for this charge, and I did not purchase anything from the XXXX XXXX, however I was in the store on that day to pick up an online order and turn in a trade-in for an Apple Watch. I contacted Apple Support on XX/XX/20 to ask what the charge was for. They did not know and directed me to the XXXX XXXX on XXXX XXXX or Goldman Sachs. On XX/XX/20, I spoke with the XXXX XXXX on XXXX XXXX ( XXXX XXXX XXXX, CA ). The manager, XXXX, said she did not know what the charge was for, but she did not see that I purchased anything. She recommended I contact Goldman Sachs. I called Goldman Sachs. They did not have any additional information, but they helped me file a dispute for the charge. On XX/XX/20, I received an email from Goldman Sachs stating my dispute was resolved in favor of the merchant, but " You have the right to see the information used in this investigation. To request a copy, please contact an Apple Card Specialist at Goldman Sachs Bank USA. '' I called Goldman Sachs on XX/XX/20 to request this information, but they did not have anything to give me. In fact, they didn't seem to be aware of the dispute. The person helping me named XXXX stated that I can file another dispute, but if I didn't have any additional evidence to provide, the claim would likely be resolved the same way. I asked her what I could possibly provide as evidence that I *did not* make a purchase, and she said she didn't know. So Goldman Sachs is not resolving the dispute in my favor, they are not providing documentation used to reach their conclusion, and they are not offering any other options for me to resolve the issue.
Consumer complaint received 2020-06-23
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)

I disputed the account XXXX XXXX XXXX/XXXX  XXXX XXXX  act # XXXX with XXXX, Experian and XXXX and the fraudulent, incorrect information is still there. 
I do not know who XXXX  XXXX  XXXX/XXXX  XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX  XXXX/XXXX XXXX XXXX  They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX XXXX account XXXX with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. 
I do not know who XXXX XXXX  XXXX  account XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020