davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-31
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. (CA)

I received a copy of my credit report and found the following item ( s ) to be errors. These are Unauthorized Inquiries Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-03-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Merchant name : XXXX XXXX  # XXXX Claim amount : {$550.00} Transaction Date : XX/XX/XXXX To Whom It May Concern : Upon viewing my year-end card summary send by my credit card account I noted an unauthorized charge appearing to have occurred in XX/XX/XXXX. In speaking with my credit card/banking company, the claim was quickly closed as it was outside the dispute window of 60 days. However, I am pushing to contest for further investigation.

In my research of the Merchant I contacted XXXX XXXX XXXX to ask about the # XXXX site the number denotes site/store codes. The XXXX XXXX # XXXX site was only to be the location code of the XXXX WA XXXX XXXX XXXX  ( Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX - Phone : ( XXXX ) XXXX ).

I spoke with a representative from the site, who explained that monetary transactions from the site do not occur unless it is a matter of internal employee billing. Additionally, 1 ) I have never been an employee or employee of an XXXX XXXX  subsidiary company 2 ) I have not purchased an item from XXXX XXXX or a subsidiary company since XX/XX/XXXXand said purchase was a printer ink cartridge.

Moreover, in investigating this Merchant I found a number of similar claims online : The credit card or debit card charge XXXX XXXX # XXXX XXXX WA was first spotted on XX/XX/XXXX. This charge has been reported as trusted by 31 users, 31 users marked the credit card charge as suspicious. ( XXXX XXXX XXXX ) Looked at my VISA acct & reported suspicious charge from XXXX XXXX  # XXXX. If you look at XXXX XXXX  website there is no such store. Closed my visa acct. XX/XX/XXXX ( XXXX XXXX XXXX  ) The amount of {$250.00} was charged to my credit card twice on XX/XX/XXXX, a total of {$500.00}. I live in Alabama, and I did not make any purchases in XXXX, Washington. ( XXXX XXXX XXXX  ) This was undoubtedly an unauthorized and fraudulent charge on my account. Therefore, I am reaching out once more for a higher level of examination and support in resolving this case. Thank you for your time and consideration.

Thank you.
Consumer complaint received 2018-03-30
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 (FL)

I wrote a certified letter on XX/XX/XXXX, to the collection agency after seeing them reporting on my credit report. In that letter I specifically requested to : Please also provide the following information for my records. 
What the money you say I owe is for. 
I also need evidence of the original debt that bears my signature, as well as a complete account history, including any charges added for collection activity. 
Provide me with copies of any papers that show I agreed to pay what you say I owe Lastly, Im requesting evidence of your authorization in this alleged matter.

I received a letter back on XX/XX/XXXX without any of this information instead they sent me a computer print-out that does not even have my signature.

I sent them a letter on XX/XX/XXXX explaining this information and to delete all negative marks from my credit report.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute in XXXX information that XXXX XXXX XXXX is reporting to the consumer reporting agencies XXXX XXXX and Transunion regarding my account despite multiple disputes and the submission of evidence the inaccuracies remain uncorrected causing significant harm to my credit profile and impacted my ability to secure employment and transportation I have made numerous complaints and disputes regarding XXXX XXXX XXXX, account number XXXX, and the CFPB, the consumer reporting agencies ( XXXX, TransUnion and XXXX ). All these agencies have disregarded to even look at my complaints and disputes. 

If this account name : XXXX XXXX XXXX # XXXX is verified to be accurate and complete through the creditor and these above agencies, WHY IS? 
1 ) FAILURE TO MARK ACCOUNT AS DISPUTED : Despite my repeated dispute the account has not been marked as disputed, which violates the Fair Credit Reporting Act ( FCRA ). Under section 611, credit reporting agencies are required to indicate that an account is under dispute.

2 ) ACCOUNT BALANCE : XXXX XXXX XXXX is reporting a balance of XXXX. However, I have received verification from XXXX XXXX XXXX XXXX, acting on the behalf of XXXX XXXX XXXX as debt collectors indicating that the balance on this account is {$0.00}. Despite this documentation the credit bureaus continue to report the incorrect balance.

3 ) DATE OF LAST PAYMENT : There are discrepancies between the date of last payment and the date of last activity as reported by the credit bureaus these dates are inconsistent which affects the reporting period for this account.

4 ) INACCURATE PAYMENT HISTORY : XXXX is reporting misleading and inconsistent payment history data including marking months as " OK '' even though the account is " CLOSED AND CHARGED OFF ''.

SUMMARY OF FCRA VIOLATIONS : - Failure to correct inaccurate information despite being provided documentation in violation of Section 623 of the FCRA.

- Failure to properly reinvestigate my disputes, in violations of Section 611 of the FCRA.

- Failure to mark the account as disputed as required by the fcra after multiple disputes were filed.

IMPACT ON MY CREDIT AND MY EMPLOYMENT : These inaccuracies have severely damaged my credit score, making it difficult for me to obtain transportation and secure employment causing significant financial distress.
Consumer complaint received 2018-10-30
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. (NV)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
Consumer complaint received 2018-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX, I lost a bid on an item on XXXX. Seller reached out to me via email stating that the winning bidder pulled out and he had the item available, I was the previous highest bidder. We moved off of XXXX   to continue conversation. Spoke to each other onXX/XX/XXXX, on the phone and discussed purchase outside of XXXX. That should have been my first big red flag. Paid in increments based off of " proof of shipped goods. '' 2 XXXX XXXX for a total of {$3800.00} XX/XX/XXXX - {$1000.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$1000.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$500.00} USAA to XXXX XXXX via XXXX XXXX ( disputed and reversed ) XX/XX/XXXX- {$500.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$200.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$600.00} USAA to XXXX XXXX via XXXX  Seller claimed to have shipped the computers twice. First time he could not give me a tracking number but the second time he did, it was never scanned in by USPS. Seller claimed that when he went to the post office they hadn't loaded it after 3 days and he picked it back up. Seller offered to fly it out with the final payment. Supposedly the seller flew to XXXX  and was still unable to make good on his promise.

I contacted USAA and they said they could not help me and sent me to XXXX. XXXX  said they could not help me and that I needed to file a police report/complaint. I filed a police report and the police told me they couldn't help me that I needed to go to the FBI. I filed the FBI complaint and never heard anything back. This has now been going on for 2 months and I still do not have a refund, I have excuses and empty promises from the seller, and this is my final attempt to get my money back and press charges against XXXX XXXX  of XXXX, GA.
Consumer complaint received 2018-03-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Today, XX/XX/XXXX, I received a response from Bank of America Home Loans indicating that the letter I sent them last week should be going to Bank of America N.A.

The letter in question was sent to Bank of America N.A. 's attorney on XX/XX/XXXX ( via certified mail and returned receipt ) and I have yet to receive a response.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello, XXXX XXXX reported to XXXX, Experian, and XXXX that I was 90 days late in my payments in XX/XX/XXXX and 120 days late in XX/XX/XXXX. As evidenced by attached documentation, I was utilizing a general forbearance and my payments were XXXX dollars for the period of XX/XX/XXXX - XX/XX/XXXX. Since there was no payment due for this time period, XXXX XXXX falsely reported late payments.
Consumer complaint received 2018-03-30
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. (FL)

Hello, XXXX XXXX reported to Transunion, XXXX, and XXXX that I was 90 days late in my payments in XX/XX/XXXX and 120 days late in XX/XX/XXXX. As evidenced by attached documentation, I was utilizing a general forbearance and my payments were XXXX dollars for the period of XX/XX/XXXX - XX/XX/XXXX. Since there was no payment due for this time period, XXXX XXXX falsely reported late payments.
Consumer complaint received 2018-03-30
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)

I began disputing these items with the Credit Bureaus, and more specifically Trans Union on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF OMAHA (NE)

This problem has occurred over 2years. First National Bank of Omaha charged me several overdraft fees. I contacted them about the problem over the phone and advised them a First National Bank in another state was sued over deceptive accounting practices they were utilizing and they in turn made changes to my account that I never authorized. They sent me a few letters that were very insulting. They took away my overdraft protection and put send items back against my wishes. I checked my online account almost daily. They would hold transactions for weeks and then post them all at once in any order in which they chose. They accused me of being the reason my account was overdrawn, but they would alter my records and make it nearly impossible to keep up. There were a couple of times I tried to close my account and they made excuses why I couldn't close my account and then went back on it later saying they never said that. I finally changed banks and have only overdrafted once. That tells me that I'm not the problem.
Consumer complaint received 2018-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX, my husband and I inquired about a home mortgage from Citizens Bank. The sales associate pulled our credit reports as part of the process. He informed me that he could not proceed because I have a " freeze '' instituted on my XXXX account. I did this -- as a matter of RIGHT -- when the XXXX breach occurred. I told the sales associate and asked if they could proceed with other credit reporting agencies. The sales associate said no. I asked to see the policy requiring reports from all 3 major credit reporting agencies. He refused to show me. I pressed again. He said that my application was being canceled, and pointed me to this : XXXX XXXX   XXXX This policy says nothing about using all 3 major credit reporting agencies. And it says nothing about XXXX, specifically. Instead, it says : The lender must obtain a credit report for each borrower on the loan application who has an individual credit record. The credit report must be based on data provided by the national credit repositories. Acceptable credit report formats are described in B3-5.2-02, Types of Credit Reports. For credit report requirements in DU see below. 

A nontraditional mortgage credit report or other form of alternative credit verification may be used if the borrower does not have sufficient credit to enable the development of a credit score, or does not use the type of credit that is reported to credit repositories. 

See B3-5.4, Nontraditional Credit History, for additional information. 

I pointed this out to the sales associate. He said, " Thank you again for applying with us. Unfortunately we can not proceed with your application as is. '' Again, I asked to see the policy. He said that he had already showed me ( he hadn't ). 

I called the CFPB hotline. I was told to file a complaint online. 

The sales associate is : XXXX XXXX Branch Manager - NMLS ID # XXXX President 's Club - XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Mortgage XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, NY XXXX Direct/Cell : XXXX eFax ( secure ) : XXXX Email : XXXX Web : www.citizenslo.comXXXX
Consumer complaint received 2018-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Okay clear example how XXXX works.. 

I am paying off my Student Loan in its entirety.. 

But I did a test payment first in the amount of {$5600.00} it was scheduled to come out today. 

XXXX has NOT processed the payment and will wait days. Then charge me additional interest! 

Not this time.. They were to take the payment today. 

From this moment forward any and all interest accrued from them not taking the payment with be credited back to me. 

From this day forward XXXX.. You mess with my account, as I finally pay it off and I am coming after you for monetary compensation each and every day you sit on my payment. 

I suggest when you say you will take the payment you do. You are not owed a single XXXX more!! 

I can't stand you!!! 

I will say this now that once the account is paid in full.. You are never to contact me again!!! Ever!!!! 

If you pull any shady stuff in the future I will have you in court so fast your head will be spinning!!!!! 

I will be down your throat until this loan is paid in full to ensure everything is handled properly and today is just another example of your XXXX business practices ...
Consumer complaint received 2018-11-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

I went to a Chase Bank on XX/XX/XXXX to open up an account and was told that someone had previously opened an account using my social security number on my XXXX birthday. ( I do not have an account with this bank ) On XX/XX/XXXX, I was told by numerous people at Chase that I needed to file a claim before anything could be done, which included providing proof of my social and filing a police report. On XX/XX/XXXX, I filed a police report and returned back to Chase Bank with all of the completed requirements in order to file my claim. When I returned to Chase, I was told that there was no record of my social being in their system and that obviously the claim had been taken care of. How could the claim have been taken care of if I hadnt even filed one in the first place? And how is there no history record of my information being in their system for almost 20 years? I received a letter in the mail today from Chase stating that my claim filed on XX/XX/XXXX has been taken care of. I never filed a claim on XX/XX/XXXX. I am also being told that no information will be given by chase Bank to the police regarding the theft of my social. Its a little strange to me that for almost 20 years my social has been on an account and no one notices anything until I start looking into it, and once I do all of a sudden the information is wiped from their system and theres no record of it? I find that extremely hard to believe and the fact that I continue to be dismissed by Chase makes me think that theyre trying to cover something up. I really need help getting to the bottom of this so any assistance would be greatly appreciated. Thank you! 

XXXX XXXX
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent certified letters in XXXX in regards to this issue and have not heard back from XXXX, XXXX and Transunion. They are all dated for the year of 2016. I would like for the below inquiries to be deleted. '' I have explained myself about the the email system of XXXX being breached. I even had to call to remove addresses that I 've never lived.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A tax lien was issued in   XXXX   while I was  XXXX  years ago with the state of Georgia. I was stationed in California but will still paying Georgia taxes and was away on  XXXX . It was handled upon my return via certified mail with payment. It was stamped released and I was told that it would be removed from my credit report. However, it is still being reported by the Credit Bureaus. I have attached a screenshot from the Georgia Departmen t of Revenue. I was  told to try this route for help.   Thanks in advance.
Consumer complaint received 2017-04-21
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Direct Recovery Services, LLC (MT)

I have received multiple phone calls from someone who calls himself "  XXXX   XXXX  '' with " Direct Recovery Services '' at my place of work after  XXXX   XXXX  has been informed that I am not able to take collection calls while at work.
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Around  XXXX   XXXX ,    2016 I co ntac ted Capital One about the annual member fee on my Master Card. I  was informed that new accounts no longer had that fee and that my account has been adjusted to no longer have that fee . Capital One e ven went as far as refunding me the fee they had previously charged me.   Despite t his Capital One ch arged me another fee on  X/XX/2016   . I have contacted them numerous times but they have refused to do anything about it. The best solution they have offered is telling me to apply for another credit card.   I wa nt Capital One to do  as they promised and remove the fee from my account and make sure they do not keep charging it every year.
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I am a victim of identity fraud. Since  XXXX   XXXX ,  Fair Collections and Outsourcing  has filed a collection account in the amount of {$15000.00} against my credit report. I do not own this account nor do I owe any money to their client   XXXX   XXXX   XXXX  . To support this statement I 've obtained a letter from their client which state s 1 ) that they do not have any records of my living in their apartment community on the dates that Fair Collections and Outsourcing claim ; 2 )  that they do not show me as owing any balance to their company ; and  3  ) that they have not initiated any collection proceedings in order to collect any debt from me. In  XXXX   XXXX , I took all supporting documentation, including this letter, to the  XXXX   XXXX  Police Department located in Maryland. Upon reviewing this documentation, the police have concluded that I am a victim of identity theft. I 've since shared a copy of this police report with the  Fair Collections and Outsourcing  agency, yet they continue to try and collect this fraudulent account. In speaking with their representatives, I am treated in a very rude and disrespectful manner. On many occassions, I have been hung up on and refused service when I insist on escalating this matter to higher management. Today,  XXXX   XXXX   XXXX ,  XXXX   XXXX  told me " I will not be transferring your call to  my manager ;  your account has been validated by our client. '' When I asked for the contact information for their client to have this issue resolved I was refused this information. I 've also asked to speak with their Compliance department which handles the removal of this account from my credit report and again I was denied access to speak to this department. In addition to this complaint, I have also filed a complaint with the Better Business Bureau of Maryland and  XXXX . Attached please find the above referenced police report and assist me in my dispute to have this account removed from my credit report.