davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
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. (TX)

I did not give any of these companies permission purpose for run my credit. These accounts/inquiries are not verified. I have no knowledge of these companies. See attached letter. I demand that this be removed from my credit profile
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I opened an account with Citizens Bank on XX/XX/XXXX with an account opening bonus of {$300.00} with a direct deposit of {$500.00} or more within the first 60 days of opening the account. I had a direct deposit of {$510.00} to the account on XX/XX/XXXX ( 38 days after account opening ) and never received the bonus. I called them on XX/XX/XXXX to enquire about bonus and why I hadn't received it. The customer service representative verified my information and told me he would check with the marketing department and put me on hold. When he came back from hold he hung up on me. When I called back immediately after I got a different customer service representative and after repeating what I told the previous customer service representative, the customer service representative told me my account had been closed because of a XXXX balance. The customer representative first said that the account could be closed if there was a XXXX  balance for 60 days. Then when I told him I hadn't had a XXXX  balance for 60 days he changed it to 35 days and then again changed it to 7 days. I never received any communication about this nor did I ever receive anything saying my account had been closed. Additionally less than 5 minutes before my second phone call, the previous customer representative had verified my account information and hadn't said my account was closed. The second customer representative also proceeded to hang up on me. I called a third time and was told I would be transferred to a 'bonus ' department that the previous customer services reps never mentioned. Instead I was transferred to the loan department and had to end the call. Every time I try calling their customer service representatives they hang up on me.
Consumer complaint received 2021-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

I was charge for {$1400.00} for some sort of medical bill from XXXX XXXX XXXX XXXX XXXX. I XXXX  this place. I have NEVER been there in my entire life. I also called the collection service, PARAMOUNT RECOVERY SYSTEMS/ ( XXXX ) XXXX several times and line rings busy. I also called XXXX XXXX XXXX XXXX XXXX and they had automated system to put me on hold forever. I did some investigation and found out over 100 people left reviews on XXXX to say the same things as me. I tried disputing this collection twice in past 2 months and XXXX  " verified '' this is my collection. I would like to know how they even verified when I couldn't even get to them? AND I was never been to the place before. Please help me report XXXX XXXX XXXX XXXX XXXX and I would like to dispute as soon as possible. I did not even have my SSN until end of XXXX This is affecting my credit very badly and would like quick solution. Thank you for your help.
Consumer complaint received 2021-09-11
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: EQUIFAX, INC. (TN)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Holding IRS Child Tax Credit funds XX/XX/2021 unable to answer questions on why funds not available. IRS portal contacted to track funds bank information fell in question, needing 48 hours for review. I also contacted Chase rep stated '' being distributed thru out the day " how ever the IRS send out the payments ... I didn't see anything on the News that stated that, so once again I ask my self is it me or Chase have something much bigger going on .My kids have school XX/XX/2021 .The XXXX acts or getting on my nerves. What gives JP Morgan Chase to hold and distribute funds when it feels the need?
Consumer complaint received 2021-08-13
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: Amsher Collection Services, Inc. (TN)

I began working with AmSher & XXXX XXXX in XXXX of this year in order to rectify a debt that erroneously appeared on my credit report prior to closing on a home. AmSher states that they were directed to collect this debt on behalf of XXXX XXXX. 

I have received documentation from XXXX stating that the issue has been rectified and my name is no longer attached to the account in question ( see attached letter ), however XXXX  and XXXX XXXX credit reports still show this debt in collections. AmSher says that they put in a request to have this account removed from my credit report on XX/XX/XXXX. 

I am asking that the credit reporting services & AmSher please remove this account and any record of it from my credit report.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to make a complain because I found accounts that do not belong to me. I do not recognize none of them. They just ruined my profile. Is that legal in general? Remove them please These are those accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To whom it may concern, My name is XXXX XXXX reside in the XXXX XXXX  Florida. I had open credit card with bank of america and was pain the credit card with good standing until i was let go from my employment in XXXX and i was still paying with good standing until XXXX and then the pendemic hit here in Florida and i missed to month of payment. I then called bank of america to withdrawal the money from my checking account to later get a letter from a collection company. I can't recall the collections company 's name but that's who i was making payment 's to. Bank of america closed the account on, XXXX, XXXX XXXX.I was in the impression that my payments where being withdrawal by bank of america but it was not so. Then I receive a letter from this company that calls them self XXXX XXXX  XXXX that they are an attorney at law firm representing bank of america. On XXXX, XXXX XXXX some papers where left for me regarding a lawsuit by cooling and winter for the amount of XXXX plus court feeds which totals to XXXX dollars that i can't afford to pay with everything that is going on today. I had a hearing today with the court and try to settle with the so-co attorney but he would not want to settle for the amount of {$3000.00} dollars which is more then what they pay for the account when they purchased. I now have a trial date for XXXX, XXXX XXXX and can't afford to pay for an attorney. This is really disturbing that am being sued by a company that i don't even know and the state is allowing it. Can someone please help me.
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TN)

I am not liable for this debt with XXXXXXXX XXXX XXXX and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. 

Account XXXX : XXXX Amount Disputed : {$220.00}
Consumer complaint received 2021-08-11
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: Convergent Resources, Inc. (OH)

This is my third time disputing fraudulent accounts on my credit report. There are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX # XXXX -CONVERGENT OUTSOURCING # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Have tried disputing the inaccurate account with the credit bureaus, they said the information was verified. Tried disputing the account with the original creditor and have failed to update any inaccurate information and is still damaging to my credit report. They have also failed to mark my account as disputed within the legal timeframe ( 30 days ). 
I would like this outdated and erroneous information removed from my report immediately. 

Thank you, XXXX XXXX
Consumer complaint received 2021-08-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XXXX XXXX FOR {$450.00}, XXXX XXXX XXXX XXXX XXXX FOR {$460.00}, XXXX XXXX ON XXXX XXXX FOR {$620.00}, XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX FOR {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX  ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2023-03-06
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, I used my Chase XXXX ( Presidential Plus ) to pay for a XXXX taxi ride from a restaurant to an airbnb. In XXXX taxi drivers are required to provide receipts for rides over XXXX. When I returned to XXXX XXXX  on XX/XX/XXXX, I saw a charge on my card for {$1600.00}. I called Chase to dispute the charge. They told me to file the complaint online, which I did. I documented the actual journey of the ride, which was about XXXX minutes. XXXX was the company that processed the charge. They provided me with the name of the business " XXXX and XXXX '' after numerous requests and filing a complaint with the XXXX banking regulator. I have provided Chase with all of this information. I will sign a notarized affidavit stating the facts. 

I sent multiple updates to Chase, with no response. I called today, and the agent said that without the receipt showing XXXX which I do not have, there is nothing they can do. There is no protection whatsoever. 

Furthermore, they said, " Don't worry about payment in the meantimethe amount disputed and any interest or fees won't be included in your balance while your dispute remains open. '' There was never any acknowledgment of the dispute and no hold on the amount. I had to pay it. 

I have had this card for over 20 years.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have recently had 2 refunds of payments on my credit card that i have not personally requested. I requested this to be investigated, but i need to ensure that no one has access to my data since i didn't make these requests. I believe somoene is trying to hack or take over my bank account with BOA.
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

This collection company has yet to provide PROOF that this debt is mine. They can not furnish proper validation because this debt doesnt belong to me, Ive never signed for a CC with the original company. Ive reached out to the collections company asking for proof, Ive called and spoken to someone they just say they have but havent. This is impacting my overall perfect credit score in such a negative way because they know its not mine, yet theyre trying to collect on it.
Consumer complaint received 2022-02-03
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. (CT)

TransUnion currently shows a derogatory credit report for " XXXX XXXX '' a collections company for XXXX XXXX to whom it is claimed I owe a debt. This is a error and should be removed because I was covered by my insurance company for any and all debts owed for treatment. This is having a negative impact on my Credit score and report when seen by other financial companies.
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (CA)

I began the process of a mortgage refinance in XX/XX/2021. Two key individuals I was working with suddenly disappeared, eventually I was contacted by two new individuals and I had to resubmit many of the same documents like starting over. Discussions and agreements with the prior individuals did not carry over to the new ones. The entire process has been confusing and highly frustrating. I FINALLY signed the closing documents on XX/XX/XXXX, both my current mortgage and auto loans were to be paid in full. Neither has yet occurred. Ive received no communications regarding status. I emailed them on XX/XX/XXXX requesting status update, no response from either. Today I called and left voicemails and emailed them and another individual involved with the loan process. I am very worried. Ive never done a mortgage refinance that involved so many problems and took 8 months ( and counting ) to complete. This one is still not complete. I can not reach anyone. Im very worried.
Consumer complaint received 2022-12-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

Ad XXXX XXXX has violated my rights according to 15 U.S.C 1692g- Validation of debts section ( a ) Notice of debt Contents, also 15 U.S.C 1692g- Validation of debt section ( B ) Disputed debts. I am disputing XXXX accounts. Account number XXXX. I sent my dispute letter XXXX XXXX certified mail tracking number XXXX it was delivered XX/XX/2022. I did not receive any return mail within XXXX business days after received my dispute to acknowledge that their company has received my dispute and or working to investigate it. Nor did I receive any documentation as to verify the debt.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MA)

{$2000.00} was stolen from my checking account. On XXXX, I was scammed by a fake TD Bank Fraud Services Representative who sent a text from a XXXX digit number asking about a charge that was made to my card asking to confirm if it was me. I responded with NO and then received a call from ( XXXX ) XXXX which said TD Bank. Asked me about 3 charges to my card : No XXXX. XXXX something dollars to XXXX XXXX XXXX in Florida. 

No. XXXX. XXXX something dollars to XXXX in Florida. 

No. XXXX. XXXX something dollars to a grocery store in Florida. 

I declined all 3 charges and the Rep proceeded to say, also the person is requesting to take {$3500.00} out of my account as well through an ATM. I obviously was like what, well let 's shut it down. And he was like " Okay, we will refund the money into your account you're going to receive a text message. '' I then received the text from a XXXX digit number and he said, " Did you receive the text? You need to text back your username with the work cancel after it. '' I did. He said the money would be sent back in the same way it was being withdrawn. 

Then I received another text saying XXXX will be refunded to your account. Please respond YES or NO. 

Responded YES. Texts kept coming.. XXXX, XXXX, XXXX, and the guy was still on the phone and said : " Keep responding yes, I'm just going to work here quietly if that's okay? '' I say okay. 

After about 6, they stopped. The call ended. 

I called back TD Bank, they transferred me to the fraud department and said it wasn't them who called. 

Now there is nothing TD Bank can do. {$2000.00} was taken from my checking account.
Consumer complaint received 2021-08-11
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)

Ii filed a dispute with Experian regarding and account on my credit report. The account is XXXX XXXX XXXX. I requested that XXXX XXXX legally validate this debt and prove ownership of the debt. According to the Fair Credit reporting act. A company has to supply me with a letter of validation with in 30 days of m request. A company has to prove ownership of debt. XXXX XXXX has not validated this debt to the standards of legal debt validation nor have they proved ownership of debt. They have yet to send me a debt validation letter or prove ownership of this debt even though I started requesting this information in XXXX of 2021. Experian ruled in favor of XXXX XXXX and is claiming this debt is verified and so is ownership of this debt. I want to see the documents that Experian is claiming legally validated this debt and proves ownership of this debt. I have a right to see it and challenge the authenticity and legality of those documents.
Consumer complaint received 2021-08-11
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: Experian Information Solutions Inc. (CT)

A letter has been sent over 45 days ago and i still having received any results or updates regarding these accounts on my report please remove immediately as my rights is now being violated 1.The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 2.The status is incorrect for the following account XXXX XXXX Account Number:XXXX Please ensure that all information is accurate 3.The following account is not mine XXXXXXXX XXXX XXXX XXXX Account Number:XXXX Please remove it from my credit report.

4.The folowing account is not mine XXXX Account Number:XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-20
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. (DC)

Dear CFPB, The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning such items of information The Credit Bureaus did not do this My rights have been violated in the following ways In accordance with the Fair Credit Reporting Act Everything reported has to be 100 % accurate on my credit report The Credit Bureaus claim my account was properly investigated but how is that to be true if the open date is inaccurate, amount of high balance is inaccurate, the date of last active is inaccurate, date of missed payment is inaccurate, payment status is inaccurate, and date last reported is not accurate. 

These violation of my rights are grounds for removal. 

My rights were further violated because 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 2021-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (NY)

My PayPal account was hacked and some charges were made onto the account creating a negative balance. I mailed a payment on XX/XX/XXXX to the payment account address in XXXX. On XX/XX/XXXX the check I sent in was cashed for {$1000.00}. To date they have yet to apply the payment to my balance and sent it to XXXX XXXX collection agency. I have about 20 calls back and forth, numerous messages on their online chat system and even tried their XXXX page. No one seems to care or want to assist me. I will not pay this balance twice.