davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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. (CA)

I had XXXX over the summer. While I was in quarantine, this particular account went 30 days past due. I was not in financial hardship but was sick. I was also having issues with this card 's online management tools, and identity theft I suffered due to my car being broken into. I explained this to the representatives. The first representative said they'd remove the late and late fee no problem. Upon initially trying to handle it himself, He advised that I would have to call back once the payment was posted. Of course, once they received their payment they changed their tune and denied my dispute altogether. I have dealt with identity theft and XXXX this summer. I don't feel I should be penalized by creditors for being sick and having my identity stolen which caused me to have to lend my attention to a host of things I've never had to deal with. It's disgusting that a business I've spent over $ XXXX in the first quarter this year alone is penalizing me in this fashion. I want this XXXX late removed as it is hindering me from the purchase of a business. I am hopeful XXXX  will reconsider its position, because I can't see myself doing any more business with them otherwise.
Consumer complaint received 2024-11-13
Product: Credit reporting 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. (MO)

My credit report includes unauthorized hard inquiries that go against 15 USC 1681b ( c ) ( 2 ). These errors are negatively affecting my credit score. Please remove them.
Consumer complaint received 2022-09-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (FL)

On XX/XX/2022 I converted the equivalent of XXXX XXXX through Wise.com because I was trying to pay for a hotel by transferring XXXXXXXX XXXX ( cost of the hotel ) to a commercial account due to the fact that the wise debit card I had was not working to be able to pay with it. Wise stopped this transaction and I decided to cancel it because the hotel never received the money so I could stay in it. Today is XX/XX/XXXX and I still have not received my XXXXXXXX XXXX  back to my Wise account. After calling the wise customer support team for more than 5 times I still don't get any information about why they are still holding my money, and why they have not refunded it back to my account. Anytime I try to request a supervisor over the phone they said they don't have supervisors working at Wise and they push me to finish the call with 0 solution or at least a reasonable explanation. 
Wise never sent the money to the hotel and never refunded the money to my account. 
I feel I am being stolen and tortured by Wise. Please help me.
Consumer complaint received 2022-10-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXXXXXX XXXX card was used without my permission in XXXX XXXX United States while I was in XXXX. The bank flagged the purchase as fraudulent contacted me and I confirm it was fraud. At that point are charge of approximately {$3000.00} was already authorized by the bank. The other charge got denied. I started a fraud claim at the same time and the claim was denied three times by the bank. The bank States that I need to investigate with the store myself for more information about the fraud.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (IL)

My identity was stolen and theyre was checking accounts opened in my name at JP MORGAN CHASE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now Im unable to open a real legit bank account for myself.
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (PA)

Attached please find proof of a wire transfer that was paid via wire from the Routing Number : XXXX Account Number : XXXX JPMorgan Bank This account belongs to XXXX XXXX and I know this because I received a document from JPMorgan stating he was good for the funds in the amount of {$500000.00}. He had enough money to cover 2 Settlement dates that occurred : the first one and the one where they stole my proceeds was XX/XX/2018 and the second one ofXX/XX/2018. 
This pretty much shows the fraud that occurred on XX/XX/2018. 
Trusted Settlement Services used XXXX XXXX to pay my liens, judgements, etc I just have one question, why would the buyer directly pay my mortgage balance? Isnt that very, very weird and fraudulent!? 
XXXX XXXX received payment from XXXX XXXX and it was credited to my XXXX XXXX, XXXX to : XXXX on XX/XX/2018. 
If you could get me a copy of this, that would be great but I dont know if theyll give it to me because the account is not in my name, but if not, I will forward this to the US Attorney General. 
Thank you for your continued patience and understanding with me. I truly appreciate it.
Consumer complaint received 2024-11-14
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. (PA)

Im requesting your support to address this incorrect account reported on my credit report. It has harmed my reputation as a customer, and I need your help. This account should be removed, as it is inaccurately and negatively reported.
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (VA)

On XX/XX/XXXX, I received an email from XXXX stating my next payment was due, and that I was " currently past due '' in the amount of {$120.00}. 

On XX/XX/XXXX, I made a payment to XXXX in the amount of {$120.00}, using a debit card on their website. My principal balance on this date was {$2100.00}. 

On XX/XX/XXXX, my regular payment of {$100.00} was due. 

On XX/XX/XXXX, I received a noticed from XXXX that my loan was being transferred to another company called XXXX, or XXXX and XXXX XXXX in XXXX  XXXX. I did not agree to this transfer. Based on their email, XXXX  would take over the loan on XX/XX/XXXX. 

On XX/XX/XXXX, I received a statement from XXXX, stating that I had {$310.00} worth of late fees. How is it that XXXX stated I was past due {$120.00} on XXXX, but my XX/XX/XXXX statement from XXXX  says {$310.00}? Where did they come up with this amount in XXXX  days? 

I have attempted to resolve this directly with XXXX  ( as XXXX refuses to discuss anything with me ), as well as a complaint to XXXX  in XX/XX/XXXX. I have sent statements, as well as payment receipts to XXXX. XXXX  continues to state that " the late charges based on what XXXX sent to us. '' However I received NO correspondence from XXXX regarding this amount of late fees. With XXXX, the late payment charges were ALWAYS ADDED to the actual amount due. I've asked repeatedly for documentation ; XXXX  also refuses to give me a copy of the documentation XXXX sent to them. The only documentation I have received regarding these late fees is from XXXX. 

My complaint would be against both companies, XXXX  and XXXX  ; XXXX  for giving an extremely short notice of this transfer, and XXXX  for tacking on errorneous charges and reporting false information to the credit bureaus.
Consumer complaint received 2023-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (TX)

I currently have a Mortgage account with Flagstar Bank. We live in XXXX, Texas I have an escrow account that they claim is short {$3700.00} which is incorrect and they insist it's due to higher Property Taxes which is also incorrect. Please see below for the breakdown of the mortgage payment. 

Principle & Interest : {$1000.00} Escrow Amount : {$830.00} According to my analysis/breakdown of the Escrow amount it's enough to cover my Property Tax/ MUD Tax & Insurance , PMI Property Tax : {$3800.00} MUD Tax : {$2700.00} Insurance : {$1700.00} PMI : {$1600.00} Total {$10000.00} XXXX / XXXX {$830.00} monthly escrow amount for a NEW monthly mortgage amount of {$1800.00} However, they claim we are short in the amount of {$3700.00}. Flagstar made a payment to our MUD tax in the amount of {$2700.00} that overdrew the escrow account by {$1400.00} which we paid this week, this included an amount of {$800.00} that we had in excess {$1400.00} + $ XXXX {$2200.00} ( for MUD ) still short {$450.00} does if the Escrow account was to honestly be short it would have been {$1900.00} which means I still owe {$450.00} True Shortage. 

Their calculations are way off. I would like this to be researched & corrected. The amount they claim we are short is an amount as if we had purchased another property makes NO sense! 

Regards, XXXX XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time.

The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2022-12-05
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: Rent Recovery Solutions (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-09-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I filed dispute # XXXX on XX/XX/XXXX with Experian requesting the late payments reported by Dept of EducationXXXX which are currently reporting 15 late payments be removed whereas they are in violation of the Fair Credit Reporting Act Pursuant to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) ( A ) ( i ) Exclusion and such experiences are to be excluded from consumer reports. Further that are past the states of limitation in NY which is 3 years. Likewise a closed Child Support Enforcement item is reporting late payments on a closed account in violation of the same citations stated supra. These action are being deliberately perpetuated due to exclusionary and predatory anti competitive actions of my business competitor XXXX XXXX XXXX in their plot to keep me from financing my newly established company XXXX XXXX. and is currently subject to XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently in the financing and planning stages and negotiating with XXXX a non profit organization that provides Start ups with resources and SBA guaranteed financing. They refuse to move the items to ruin my ability to secure necessary financing. I requested validation of these item and a full description of all employees contacted and whom certified these items in accordance with FCRA section 611 ( a ) ( 7 ) after the initial 30 day investigation requesting reinvestigation which was to be completed within 15 days and I was to receive Notice of The Result pursuant to FCRA 611 ( a ) ( 6 ) however no results have been provided although I have requested them repeatedly by phone. These items must be removed from my account immediately in accordance with FCRA.
Consumer complaint received 2022-09-23
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. (CA)

I opened up a dispute for an account that does not belong to me and it was blocked for few days and returned to my credit again i verified that the address they have on file and on my credit report does not belong to me and i disputed it so creditor just sent the card to address that is not mine and someone used the card and now the card is in closed status on my credit report and has a balance on it that they are helding me responsible for when clearly i sent them proof and ftc report that i dont have anything to do with that card
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I opened up a dispute for an account that does not belong to me and it was blocked for few days and returned to my credit again i verified that the address they have on file and on my credit report does not belong to me and i disputed it so creditor just sent the card to address that is not mine and someone used the card and now the card is in closed status on my credit report and has a balance on it that they are helding me responsible for when clearly i sent them proof and ftc report that i dont have anything to do with that card
Consumer complaint received 2023-01-06
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. (TX)

This is my second complaint due to the fact that I've yet to get a response to my first complaint and it's yet to be resolved in a timely manner! Please see items attached.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I am writing on XX/XX/2022 & XX/XX/2022 I received written notification that my account from XXXX was being collected by XXXX XXXX XXXX, XXXX XXXX on the behalf LVNV Funding LLC for the amount of $ {$1300.00}. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. XXXX XXXX XXXX, XXXX XXXX XXXX LVNV Funding LLC XXXX and Resurgent Companies, has violated my privacy. All three credit bureaus are already violated my privacy by reporting LVNV Funding LLC on my consumer reporting file. I need some help with matter.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (NC)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$5300.00}
Consumer complaint received 2022-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

I sent a letter to XXXX asking for the original bill from the original debt collector for the debt they are trying to collect and I never received it. I can not verify it is my debt without the original bill from the original creditor. They sent a generic letter in response to my letter stating they verified with the original creditor that it is my bill. But I have no proof that they did.
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX, 15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an action without my written instructon.
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (NC)

ACIMA DIGITAL FKA SIMP XXXX Original Balance {$1300.00} Status Updated. XX/XX/2022 Balance Updated {$1500.00} It is illegal to add on to debt and to report misinformation to a credit profile knowingly This debt is not owed Acima was paid in full for this debt after charging it off they reported it as a lost on its taxes then filed an insurance claim which compensated Acima in full Its illegal to continue to report debt when no debt is owed Acima is violating my privacy by reporting fraudulent debts and negative inquiries to my credit report the 15 USC 1692 g validation of debts SECTION 604 15 U.S.C. 1681B SECTION 605 A 15 U.S.C. 1681 C-1 SECTION 605 B 15 U.S.C. 1681 C-2
Consumer complaint received 2022-09-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On Tuesday, XX/XX/2022, I was approached by a stranger who seemed to have an issue with depositing money into his bank account and I was persuaded to help him simply deposit his checks into my bank account and exchange the amount of money in the checks for cash to give to him. We were located in the Chase bank on XXXX XXXX XXXX in XXXX, using one of their ATM machines, and the stranger had 4 checks of {$990.00} each ( totaling up to {$3900.00} ) and he deposited it into my bank account. In return, I took account the same amount of money at the counter since it didn't withdraw from the ATM machine. It did not process in my mind that the checks could be fake and I would be a victim of check fraud, ultimately losing my money and having a fake check be framed under my name.
Consumer complaint received 2022-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

Sunrise Credit Services reported a delinquent account for {$94.00} on XX/XX/2016, XXXX, and XX/XX/XXXX. This same debt seems to be also have been reported by XXXX XXXX XXXX at lest once. I reached out to both companies and they both claim that this debt is from XXXX XXXX XXXX. When I request any documentation from either company showing proof of this debt I am told that it can not be provided.
Consumer complaint received 2024-09-17
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. (TN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX 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 2024-12-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (KS)

Looked up credit report and seen this company name on my report to collect a debt XX/XX/year>. Want to report identity theft don't know this company have never did business with or communicated with this company just show up on my credit reports without any of my knowledge and consent. I'm requesting verification/validation of this debt, copy of the contract or agreement signed by original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned documents is not verification of the alleged debt. Also note whether this that is within the statue of limitations and how that was determined. You are on notice that you are unlawfully attempting to collect the above listed debt. Cease and desist all collection activities, including reporting to the consumer reporting agency.