davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
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. (NJ)

Information and inaccurate reports are being filed and hindering us from doing business. The tortious interference of these companies and their failure to abide by the law in the proper correction, removal, verification, reporting, and/or removal of the information or providing in writing the verification information as requested and lawfully required has caused gross personal/private economic damage and loss.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was called on Monday XX/XX/XXXX AROUND XXXX from XXXX XXXX  company. That there are waiting by my building to shut the electric were i have tenants plus a dr office and i was out of town, i ask why are closing ii know i pay my bills online no its deposit we need wil refund it after 3 months, wee i know they really do it .so they tell to call the office and press ext 4 for the collection dept, i was arguing i told i be back in my office next day arguing for some time. so i cal press 4 it was a real no # the XXXX XXXX  SOMEHOW THEY SPOOFED ME. THEY KNOW I HAD MADE A CHANGE ON 1 METER in my building and i thought it because of that. so i told i am not in town so they said they wil try to arrange and do me a favor if i can make a 3 party XXXX  payment through my bank. all this took a 2 hours on the phone so i sent they {$2000.00} and i thought it sok but they kept going that it was already out for disconnection. its a long story i am tell the basics what is need to know. so they told and hod on to be connected to the finance dept and to see if they approve and can stop the discontion, til i was connected took a long time so after they picked up they tell i need to send addinail {$2500.00},. this already do not sit with i did not send i went called back XXXX  from another phone and asked they told no its XXXX. i went fast call my chase bank and told what happened and they said they wil contact XXXX  i gave al info were it was sent what XXXX address and names and teh all other phone i was involved, soi they said they wil give over i wil get a refund fOR 1 time. but now they say talk to XXXX  it was declined nobody is taking responsibility were i called right after in order they can stop it and gtet it back i have no one to talk not XXXX  and not CHASE bank
Consumer complaint received 2022-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Account # XXXX XXXX XXXX I have made several attempts to reach out to Experian to have this account DELETED from my credit profile. XXXX XXXX has violated my HIPPA rights and ive made Experian aware, but they continue to ignore and not resolved this issue. This is an old out of date debt from 2016 that is lingering as zombie debt on my consumer report. I need this removed. Ive NEVER authorized the sale of my personal information. I have signed a release document for the hospital to release my information to my primary care doctors, and other treating physicians, not to a random 3rd party company to try and extort me for money. Company never sent me a 1099-C for my personal tax purposes. 

Also, I live in GEORGIA and XXXX XXXX is not registered to do business in my state.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Dear Sir/Madam, I requested a detailed verification letter for the debt that the Recovery Portfolio Associates LLC is claiming to be mine. 
The letter by mail was send to XXXX well as online verification form on their website was submitted on the XXXX of XX/XX/2022 and I still did not received the response. Today is XX/XX/2022. Under Fair Debt Collection act I'm entitled to received the notice within 10 days! 
See the letter below! 
This letter is sent in response to a letter I received. 
I'm requesting that you provide verification of the debt you mentioned. Please send the following information : The name and the address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed.

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor, a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest, the date the original creditor claims this debt became delinquent.

Please also forward details about your authority to collect this debt, Whether you are licensed in my state and if so provide the date of the license, name of the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. 
After all that has been done, it's clear to me that the company is a scam!
Consumer complaint received 2021-03-22
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. (NJ)

Please help me, II don't know what to do. I am a victim of identity theft and I need help because my credit has realy been affected. I have been asking for help and my lawyer told me to submit a complain with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to mee. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AZ)

XXXX XXXX XXXX  filed with enhanced recovery collection opened on XXXX XXXX 2020 for {$510.00} with the address of XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX filed with XXXX XXXX  opened on XX/XX/2020 for {$1100.00} with the address of XXXX XXXX XXXX XXXX. apt XXXX XXXX las XXXX XXXX XXXX neither of these addresses or accounts are mine and are a result of fraud. i have never lived at either of these residents. I have disputed both of these claims with XXXX. I have also called and notified both companies. I have also filed a police report # XXXX
Consumer complaint received 2022-07-02
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. (NV)

On XX/XX/XXXX this company XXXX Credit Card is being reported with the incorrect balance on my credit report which caused my score to drop over 30 points. I have a {$15.00} balance on this credit Court and this company is reporting incorrectly that I have a {$55.00} balance. I attached a screenshot of my balance and payment history to this complaint. I want this updated correctly immediately as well as this company fined for their violation. I have not had a balance of {$55.00} with this credit card XXXX Credit Card company since XX/XX/XXXX so its incorrect and inaccurate for this company to report the wrong balance which is a violation of my rights under the FCRA And this is causing harm to me
Consumer complaint received 2022-07-02
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I am an XXXX  with a XXXX XXXX. I was contacted by a lender regarding drafting a loan agreement and ancillary documents forthe purchase of robotic surgical equipment and the buyer was, allegedly, located in California which is where I am XXXX XXXX The parties were the lender, XXXX XXXX on behalf of XXXX XXXX XXXX XXXXXXXX ( Florida ) ( my " client '' ), theseller/supplier ( XXXX XXXX XXXX XXXX Ohio ) and a loan broker ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York ) thatcoordinated the fi nancing transaction. The lender needed a California XXXX  to draft and coordinate the transaction. This iscommon and I have handled similar types of transactions in the past. This process went on for several week including letters ofintent, purchase orders and appropriate documentation. All names, companies, websites were checked and appeared legitimate. XXXX ( XX/XX/XXXX ), I received a XXXX cashiers check in the amount of {$250000.00} with a remitter of XXXX XXXX - These monies, allegedly, were the initial deposit towards the equipment to be purchased. Chase reviewed the cashier 's check, accpted the depositon Monday ( XX/XX/XXXX ) and made the funds " available '' the following day, Tuesday ( XX/XX/XXXX ). Subsequently, on Wednesday ( XX/XX/XXXX ), I wasforwarded the purchase order from the supplier requesting a wire transfer of 5 % of the total purchase price ( {$180000.00} ). Iproceeded to send the wire, as requested, that morning. The following day ( Thursday XX/XX/XXXX ), I checked the Chase website and the '' cashier 's check '' was returned without explanation. Chase has frozen and intends to close my business and personal accounts within10 days. Needless to say, I contacted my client immediately after learning of this and the phone number was " deactivated '' and allwebsites ( for lender, broker and seller were gone ). I am a victim of fraud and am helpless as Chase has been of no assistance and willnot provide any information or explanation as to how a fraudulent cashier 's check for such a large sum of money could go through their system and be made available to wire. First of all, I need to report this so that the criminals/scammers that perpetrated this fraud can be, hopefully, located and prosecuted. Second of all, how to deal with Chase as they refuse to cooperate in any fashion. I havebeen a customer for nearly 15 years and have a spotless record. Thank you very much for your guidance, advice and assistance with this unfortunate situation.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items. 

Collection/Charge Off XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Late XXXX XXXX Account Number XXXX XXXX Personal Information : Former : XXXX XXXX Name : XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2022-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My credit report recently had collection attempt for {$1900.00} from PORTFOLIO RECOV ASSOC, first digits of account are XXXX. They claim on their records to have purchased this from XXXX. I have personally contacted XXXX and they have no records of my social security number being linked to this or any other account. I contacted the collection agency for any documentation what so ever and they have not contacted me back. They have never called me or emailed me before randomly appearing on my credit report this month
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 an account without my written instructions.
Consumer complaint received 2022-07-02
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. (GA)

All Credit bureaus broke federal law and violated my consumer 's rights. XXXX, XXXX, 2022, I written a letter to All three bureaus to remove the accounts listed in my letter due to the fact there is no written consent from me ( consumer ) to place the accounts on my consumer profile. XXXX XXXX Never sent me any results from the first round of letters I mailed out to credit bureaus Violation 1- 15 USC 1681 ( b ) Permissible Purpose- A consumer must provide written instructions to the CRA on what is needed to be reported on a consumer report. The CRA do not have a written consent from consumer for the accounts listed on the consumer report. 

XXXX, XXXX I sent another letter out to request the method of verification from the credit bureaus but No one provided the information I requested. XXXX, Experian and not even XXXX XXXX responded to may request. 

Violation 2- 15 USC 1681a ( e ) - Request of Method of Verification was not provided by the bureaus. As consumer, I have the right to know what method was use to conduct an investigation by the CRAs. 

There are collection reporting on my consumer report that I did not give any consent to have my personal information. This is a violation of my right of privacy. 

Violation 3- 15 USC 1681a- consumer have the right for privacy.
Consumer complaint received 2022-07-02
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. (GA)

All Credit bureaus broke federal law and violated my consumer 's rights. XXXX, XXXX, XXXX  I written a letter to All three bureaus to remove the accounts listed in my letter due to the fact there is no written consent from me ( consumer ) to place the accounts on my consumer profile. Trans union Never sent me any results from the first round of letters I mailed out to credit bureaus Violation 1- 15 USC 1681 ( b ) Permissible Purpose- A consumer must provide written instructions to the CRA on what is needed to be reported on a consumer report. The CRA do not have a written consent from consumer for the accounts listed on the consumer report. 

XXXX, XXXX I sent another letter out to request the method of verification from the credit bureaus but No one provided the information I requested. XXXX, XXXX and not even Trans union responded to may request. 

Violation 2- 15 USC 1681a ( e ) - Request of Method of Verification was not provided by the bureaus. As consumer, I have the right to know what method was use to conduct an investigation by the CRAs. 

There are collection reporting on my consumer report that I did not give any consent to have my personal information. This is a violation of my right of privacy. 

Violation 3- 15 USC 1681a- consumer have the right for privacy.
Consumer complaint received 2024-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ZuntaFi Corp (GA)

To Whom It May Concern, I have contacted Zuntafi which was previously called XXXX Student Loan Finance Company which was previously called Student Loan Finance Corporation to address the issues that have gone on with the college I attended named XXXX XXXX XXXX I have filled out a School Misconduct Form and have sent to their company, and they refuse to honor the School Misconduct form advising me that the loans serviced by their offices were not within the scope of any findings of fraud or deception identified by the US Department of Education. This I find strange because it was the school and the loan servicers who misled students getting the loans, and the loan companies have been acting like they didn't know of the fraudulent activities that were going on and have had the students paying back loans that should be forgiven and a portion of the loans should be refunded. These companies knew what was going on and have changed names and or passed the problems along to another company hoping that they would never be caught.
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (FL)

My complaint is about XXXX XXXX and Experian Credit Bureau. I noticed two unknown, unrecognized inquiries on my credit file. I have contacted both companies to remove the inquires dated, XX/XX/XXXX. 2020 and XX/XX/2020 Because I did not apply for credit with XXXX XXXX. 
Please launch an investigation into XXXX XXXX inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TN)

I have XXXX credit cards with Commenity Bank. They are an XXXX XXXX XXXX, XXXX XXXX and a Victoria Secret credit cards. I can not make payments for the XXXX card which is due on the XXXX or Victoria Secret card which is due on the XXXX due to Commenity Banks site being down and their phone lines not working. I have called all the customer care numbers on the back of the cards yesterday, XX/XX/XXXX and was only able to get through to one of them. The problems with their online and phone system has been going on since XX/XX/2022.
Consumer complaint received 2022-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

Received Collection Notice from Credit Collection Services ( CCS ) XXXX XXXX XXXX XXXX, MA XXXX XXXX on XX/XX/2022. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Amount : {$290.00} For XXXX and XXXX XXXX at an address in XXXX XXXX XXXX XXXX XXXX, California XXXX Note : I live in XXXX Florida and have for the last 65 years. 
Contacted CCS and was advised to contact XXXX XXXX directly. 
I explained to both companies that this was clearly a case of ID Theft. 

Contacted XXXX and they sent me a XXXX XXXX which was submitted on XX/XX/2022. I demanded proof of how and who opened the account and XXXX sent me the last billing statement XX/XX/2022. ( Not proof just the statement ). 

Submitted information to XXXX XXXXncluding ID, XXXX XXXX, ID Theft Affidavit, etc. 
XXXX responded that I needed to submit a Police Report. I responded to XXXX that I needed additional information to file a police report and I did not receive a response and have not received any further communication or information. 

Subsequently, CCS reported the " derogatory '' debt to all three major credit bureaus on XX/XX/2022. 

Neither XXXX nor XXXX XXXX has responded to repeated requests for more information. 

I have subsequently submitted a dispute with all three credit bureaus and completed ID Theft information with each one.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I ask the credit company to do a verification on my credit report. They did and stated it was accurate but I did a thorough research myself and found improper inaccuracys on the credit report even after the research.. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 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 an account without my written instructions.
Consumer complaint received 2022-07-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

My VA mortgage is handled by Freedom Mortgage. In XX/XX/XXXX my mortgage went into loss mitigation due to XXXX. In XXXX I made several payments to Freedom for XXXX and XXXX and my mortgage came out of mitigation after in XX/XX/XXXX. I made my XXXX payment on the XXXX of XXXX for XXXX but they never applied it to the correct month of XXXX. 
Instead Freedom applied the payment to principal. This cause my payment to be a month behind. I have written several times trying to get this rectified by I had no luck .I have had several request by managers but freedom refuses to move the payment to the proper month of XXXX to get the mortgage brought up to date. Freedom sent late payments to my credit record and it hurt my credit. I had nothing but lip service from Freedom mortgage and their staff has miss informed me about payment information telling me not to make payments because I had extra money in the old mortgage that had to be brought forward. This cause confusion with representatives from Freedom. 
I asked they move the money that was paid for XXXX so the account is brought up to date. Thank you 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. (FL)

I am writing to urgently address several serious inaccuracies and unauthorized accounts/information that have recently appeared on my credit report. Upon reviewing the report, I was shocked to discover these discrepancies, which are not only incorrect but have also caused significant harm to my financial well-being and credit health. These errors are damaging and unacceptable, and I implore you to take immediate action to rectify them. The impact on my life and credit score is severe, and I expect a prompt resolution of this matter.