davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
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. (GA)

THIS IS MY 2ND SUBMISSION PROVING MY IDENTITY AND THAT I AM THE ONE HANDLING MY INFORMATION. I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2023-03-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (VA)

I have an online savings account with Marcus of Goldman Sachs. I have this account connected with other VERIFIED accounts. When I asked TO TRANSFER MONEY to the other accounts, they LOCKED MY ACCOUNT. It took hours to unlock my account even though I went through several verifications processes. Marcus reps kept making it more difficult for me to transfer money. I asked them to close the account. I had to accept a check from them because they kept placing me through hoops in order to do anything else. I am waiting for the check.

This is an online bank without physical locations and they refuse to transfer money to VERIFIED ACCOUNTS.
Consumer complaint received 2020-09-04
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. (GA)

THIS IS MY 2ND SUBMISSION PROVING MY IDENTITY AND THAT I AM THE ONE HANDLING MY INFORMATION. I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2021-05-29
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. (IN)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these two accounts and the inquires.
Consumer complaint received 2022-07-25
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. (FL)

I am writing to dispute 9 late payments and a collection/charge off status on my Chase credit card ( # XXXX XXXX XXXX XXXX ) My late payments started during hardship. Due to the pandemic I lost my job in XXXX XXXX XXXX. My late payments started on XX/XX/XXXX and went all the way until XX/XX/XXXX when I was able to accept a settlement of from Chase because I had just received employment that would begin in XXXX of XXXX. I would like for Chase to consider that I was an excellent customer before the pandemic. I never had a late payment. 

The senate has, unfortunately, left it up to lenders to decide if they will do the right thing and delete late payments and collections due to the pandemic. I ask that you do the right thing nd delete this account entirely, or remove the late payments and collection/charge off status.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To whom it may concern, On XX/XX/2022, someone unknown to me issued a bill electronic payment from one of my personal checking accounts at Bank of America to make a payment to an XXXX XXXX account for the amount of {$30000.00} ( XXXX XXXX dollars ). 
On XX/XX/XXXX, when I logged in into my bank account and noticed the debit of such payment, I immediately called the bank to report this fraud. 
The bank gave me a claim number and stated it will go under further investigation and review. 
On XX/XX/XXXX I received a letter from Bank of America confirming that this fraud claim investigation was concluded and they would not honor my claim. 
I called the bank again and after long time of holding on the phone and being transferred multiple times, the bank resolution was made and there would be no further investigation. 
Not only it was disappointing how they handled this, but the institution did also not even attempt to help me any further after being a loyal client for almost 20 years. 
All my personal and businesses accounts were tied with this institution ( holding over 50 accounts ) for many years with impeccable reputation and being a preferred reward platinum honor client. 
In addition to this, the bank has a secure system and bill payment set ups are notified to the customer when issued or set up. This never occurred. I never received an email confirmation regarding the processing of the payment in question or even adding this vendor to my profile. 
After neglecting my claim to be escalated, on XX/XX/XXXX I requested the representative that took care of me over the phone, to send me proof and copy of the payment issued to start this investigation somewhere. I hereby attach such copy. 
After receipt of this proof via mail, I contacted XXXX XXXX and sought information and help. 
XXXX XXXX unfortunately couldnt help me as this is personal information to other customer. They could not provide me with details but a supervisor to whom I spoke with did confirm the account number linked to the trace number in the letter Bank of America provided as proof of payment was an XXXX XXXX account outside the United States. 

After reaching out to other parties in sought of help, I found out that this institution has multiple fraud cases pertaining bill payments. 
In sum, I spoke with my legal advisor who suggested to start off with a police report, then file a report with consumer services. 
My next step was to file a report with the police on XX/XX/XXXX. which I also attach to this claim. 

Given all this information, evidence and sequence of event, I respectfully request your review and help. 
This is money I have been saving for years. This needs and must be investigated further and I shall recover it. 
The funds have to be somewhere. 
I can be reached at any time. 
Your prompt attention to this matter is highly appreciated.
Consumer complaint received 2021-10-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (NY)

Planet Home Lending has the second mortgage on my primary property and this matter is in Supreme Court in NYS regarding a foreclosure preceding the institution is trying to commence with. My complaint stems from the Servicer/Lender continuing to provide statements and other letters that are not court documents to the agency thats handling the foreclosure proceeding on my behalf. 

Recently, in a letter dated XX/XX/2021, Planet Home Lending requested proof of insurance for my primary property. The Servicer/Lender is clearly addressing the letter to the Legal Aid XXXX XXXX XXXX , New York instead of my address being XXXX XXXX XXXX XXXX , New York XXXX . Subsequently, the Servicer is well aware of my first mortgage with XXXX  XXXX XXXX requires up-to-date insurance for the property and I do not want to pay for additional insurance through their institution. 

If the Pandemic elevates workers/attorneys from The XXXX XXXX XXXX could be forced to work elsewhere and notices sent to their office may be delayed for an extended time. I am requesting the Servicer/Lender forward all statements and notices to my address. They may provide the bureau with any/all other court briefs. I have attached the requested proof of insurance for their records.
Consumer complaint received 2022-11-19
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. (DE)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

I have previously disputed XXXX XXXX XXXX credit card with a {$0.00} balance. 
Account is factually stating incorrectly Account is paid off yet stating as payment status of collection charge off. Both XXXX and XXXX are reporting account paid off with {$0.00} balance with a payment status of charge off. Previously, Equifax reported perfect payments OK as agreed on payment history. after dispute, Equifax removed, partial ok as agree from payment history and replaced it with consecutive charge off. delete last payment with Equifax reports at XX/XX/2016 where payment history is reporting date last payment as XX/XX/XXXX. There is no way that account can be paid off and yet you continue to report the payment status as collection charge off and to delete payment history and replacing with charge off.
Consumer complaint received 2020-09-04
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. (AL)

My name is XXXX XXXX on XXXX XXXX I sent a certified letter to Transunion disputing inaccurate items on my credit report. The certified letter was delivered to Transunion on XX/XX/2020 according to the USPS the tracking number associated with this delivery is ( XXXX ) as of XX/XX/2020 I have not received a response from Transunion. On XX/XX/2020 I sent another certified letter to Transunion disputing inaccurate items on my credit report. The certified letter was delivered to Transunion on XX/XX/2020 according to the USPS the tracking number associated with this delivery is ( XXXX ) as of XX/XX/2020 I have not received a response from Transunion. It has now been over 100 days since Transunion received the first dispute They are in violation of the Fair Credit Reporting Act as they are required to response to any and all disputes within 30 days
Consumer complaint received 2021-05-07
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: DISCOVER BANK (FL)

I was Victim of Identity theft as a result several account appear in my report that are fraudulent and not mine i have send these company all document of the illegality of these account XXXX refused to removed these account from my report and continuo to report then XXXX XXXXXXXX XXXX # XXXX. 
DISCOVER FINANCIAL SERVICES # XXXX 
XXXX XXXX XXXX  # XXXX 
XXXX XXXX # XXXX 
These account are fraudulent and not mine
Consumer complaint received 2022-07-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC (MA)

I've been ripped off by a dealer car located in XXXX, being a female my first-time car buying experience, knowing little about purchasing a vehicle I was fully taking advantage of. The seller Knew it. The whole thing was one week before I purchased the ca, I had someone go with me to a dealer car in XXXX Massachusetts, for two reasons, the first one was because I can barely speak English and also to helped me chose a reliable car, The seller asked us which car we would like to buy, my friend told me to get a blacXXXX XXXX it was a nice black XXXX, because he knows I love big cars or SUV I dont like small cars, I would never financing a car that I dont like over my own money that Im working hard for. If I didnt feel force to. my friend asked the seller how much the Black XXXX car cost, his answer was {$15000.00}. So the next thing was the give him my 2 previous paychecks unfortunately I didnt bring them with me, as a result for the day, the seller asked us when I get my 2 preview paychecks we can come back to fill out some paperwork, couple days after when I came back I was alone, just after he filled out some paperwork in his computer, The seller decided which car he wanted to give me, he told me that I wasnt qualified for the XXXX car, due the fact I dont have a good credit he made me believe that I cant decide which car I want to buy. I was so naive I believed him. Now Ill have to spend more than three times the cars value a XXXX XXXX  for {$17000.00} in total Ill have to spend up to {$25.00}, {$220.00} biweekly. I am a victim by automobile dealer fraud this is incredibly stressful and frustrating situation. Just one month the car XXXX the car begane making strange noises and driving funny to where its not safe to drive. I contacted the seller of the car about the issues I was having, I have wanted to return the car, because I didnt want to deal with it. He didnt want to take the car back. But He told me to take it to the shop to have it looked at it, The mechanic man told me the car has an engine problm and XXXX  Pipe issue they need a week onto get it fixed. After 7 days they told me the car was ready to Picked up, I Cant tell if it still have engine light issue, but the never got ride of the big noise.Ever since Ive been going through deep XXXX. I cant do this anymore. I need help please.
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (NJ)

Attached in this complaint should be an FTC report filed on the FTC website and a notarized FTC affidavit by law you are required to block the fraudulent account within 5 days while you investigate. I have been trying to get this issued resolved for a while now it has been very frustrating, I have been studying consumer laws I have also hired an FCRA attorney he advised me to sue but I want to make this last attempt to get this issue resolved outside of court. If this issue is not resolved in a timely manner and my dispute is ignored or the account is not properly validated, I will be forced to file a lawsuit against you and the creditor that extended the fraudulent account in my name. 
If you do investigate and claim this account is accurate or is mine, I need a written sworn statement from a senior officer under the penalty of perjury that this account does in fact belong to me and also the method of verification they used to validate the fraudulent accounts.
Consumer complaint received 2020-08-28
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC (MD)

On XX/XX/XXXX, XXXX I emailed Ms. XXXX at ARS LLC along with a couple other people to obtain a statement for a private student loan debt ( XXXX XXXX ) sold to this company. Mind you, this company refuses to send statements to people even though this company was being paid through my debt consolidation company, XXXX XXXX and I thought one of the requirements of collecting a debt was to provide written statements. I notated in the email ( copy provided below ) that I called the company back in XX/XX/XXXX requesting a statement and one was not sent to me. XXXX XXXX from ARS LLC responded to me that he requested that a statement will be emailed to me ; however, the instructions of how to unlock the password protected statement was not sent in another email or even in the one that XXXX XXXX replied to me in. On XX/XX/XXXX, I emailed XXXX XXXX again to clarify the balance. I received a XXXX balance notice from my debt consolidation company stating that the balance was paid in full with ARS LLC. XXXX XXXX replied on XX/XX/XXXX at XXXX that my account was paid in full in XXXX this year, XXXX. I replied back to XXXX asking for a statement that my account was paid in full and did not receive a response back. I sent a follow up email on XX/XX/XXXX to XXXX and still have yet to receive a response. If my balance was satisfied in XX/XX/XXXX, why were they still cashing the {$50.00} monthly payments that were being sent by my debt consolidation company from XX/XX/XXXX to XX/XX/XXXX? Debt consolidation companies send each company their version of Power of Attorney to each company that includes their contact information and phone number. How come the company was not contacted that the balance was paid in full? Also, how come a company that is collecting a debt can not send people statements of their balance which I thought was required by law so that we know the debt they are claiming that they are collecting on is valid and consumers know their rights?
Consumer complaint received 2022-07-08
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. (GA)

i have called trans union time and time again, sent in letters and I also called the creditors to get it removed, only for my request to be ignored. To make matters even worse, one of the 4 creditors dont have any information on me in there data base, but for some reason I have a hard inquiry from that same company, so they can not release any information to the credit bureaus.
Consumer complaint received 2020-09-04
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. (NJ)

I sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. It is now XX/XX/2020 and it is well over 60 days. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.
Consumer complaint received 2022-07-08
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Chase keeps reapplying fraudulent charges to my credit card! 

Last month, I reported my credit card stolen within an hour after being pickpocketed. I " locked '' the card from my bank 's app. 

Though I only reached recordings ( " the fraud center is now closed '' ), I managed to call and use the automated system to make the report and to request a replacement card. 

A week later, on Black Friday, over {$8000.00} in charges were made on the " locked '' card. XXXX XXXX, XXXX, XXXX, XXXX XXXX, and even snacks at XXXX 's. 

After I made more calls to the " fraud center '' during business hours, the charges were credited, but incompletely ; my balance fluctuated. During each call, I was consistently reassured that these were all " automatically '' regenerated by their " system 's back end, '' and that I could ignore the alarming reappearance of these charges. " This just means our team is investigating these charges, '' they said. " You'll get a call within XXXX hours. '' No such call ever came. 

As of today, I received a " letter '' in the app 's " secure documents, '' informing me that I reported all $ XXXX charges as valid yesterday! I did no such thing! Half a dozen calls gets me only bland assurances. 

Is this an inside job? I did not have any of this trouble with the XXXX other cards that were stolen.
Consumer complaint received 2020-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC (NJ)

Sometime on XX/XX/2020, after I went to a mortgage company, trying to buy a house, I found out that multiple collection accounts were on my credit report that I had not idea of. On XX/XX/2020, I started my first dispute with the credit bureaus to remove the accounts that were not mine. After a few disputes I got some letters from the credit bureaus requesting a Police Report, so, on XX/XX/2020, I went to file a Police Report. With the police report in my hands, after a few times of mailing to the Credit Bureaus, XXXX and XXXX  finally removed the negative accounts on my report. Unfortunately, XXXX  has been refuse to remove the accounts and that is allegedly because QUALITY ASSET RECOVERY, is verifying the alleged debt, by the way, there are multiple accounts, all with the above mentioned collection, so I am now contacting the CFPB because I need all those collection out of my credit report, they are affecting me a lot.
Consumer complaint received 2020-09-21
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. (CO)

XXXX and Transunion should not be reporting. me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.