davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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. (VT)

I had reached XXXX bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (LA)

Recently found out I was a victim of Identity Theft, so was told to pull my credit report to see was there any fraudulent information on there. I found many fraudulent accounts that I didnt open nor did I authorize or consent for them to be opened in my name, along with many fraudulent inquiries for new credit. So Im taking the necessary Steps to get this matter resolved as soon as possible.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

**This issue needs to be expedited due to the faulty work of an XXXX  employee** This issue was originally disputed with XXXX  under confirmation number XXXX and the subject account Cap One/Neiman Marcus was updated to reflect XXXX  balance and paid in full on XX/XX/2019. 

On, XX/XX/2019, XXXX  initiates confirmation number XXXX with the same above account information and changes it to a balance of {$1000.00} and a collection account. 

The balance is XXXX, it NEVER was a collection account. Both XXXX  and XXXX   processed the dispute properly as a paid in full account with a XXXX  balance. 

Of course, as expected XXXX  did not process this properly.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2023-07-26
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. (NJ)

In accordance with the fair credit reporting act XXXX Account, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXXXXXX XXXX, account # XXXX, XXXX account XXXX XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account # XXXX, account # XXXX. 

15 U.S.C. 1681 section 602A. States I have the rights to privacy.

15 U.S.C. 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnisha account without my written instructions.
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NJ)

To Whom It XXXX Concern : On XX/XX/2023, I remitted USD {$500.00} from my account held with XXXX XXXX  XXXX to be deposited at XXXX XXXX XXXX  XXXX XXXX XXXX via XXXX transfer on the Remitly Application, an American online remittance service. The transactions reference number is : XXXX. However, a few days later I noticed the funds were never received to my account. I contacted XXXX XXXX XXXX  XXXX XXXX XXXX and they stated they never received the funds. They provided me a Bank XXXX, which shows the funds were never deposited. I then contacted Remitly to inform them of the matter and they advised me that they are investigating the transaction, but will not provide me the funds back. I sent the Bank XXXX as well as the transfer documents as proof of the funds not sent as well. I contacted Remitly multiple times asking for an update and they are unable to provide me XXXX as the calls were routing to a different country ( i.e. XXXX ) and not a call center within the United States. I even asked to speak to a supervisor regarding this urgent matter and they either hang up the phone or inform me I have to wait for XXXX hours to speak to one. Please assist and advise on this transaction matter. Thank you.
Consumer complaint received 2023-07-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (NY)

We have a construction and mortgage loan with a private lender through XXXX XXXX  XXXX. The loan matured in XXXXXXXX XXXX. In XXXX, the lender and XXXX were notified of a contract for sale of the project. They were forwarded the contract and the potential diligence period to complete the sale. 

We requested a Payoff and were forward the values due. The payoff included for any interest due and the principle on both the mortgage and construction loan. 

When the buyer completed its diligence on the property, we learned the lender had transferred the loan service over to FCI Lender Services during the same period.

As we prepare for closing, FCI sent us a payoff that included for almost XXXX in default charges and fees. 

While we fought the charges, FCI has been non-responsive and denied their removal. This has jeopardized the entire sale. Unless we relent and pay them the XXXX immediately. This effects, not only the participants, but the tenants within the building.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (SC)

Truist Bank promises a promotional offer of {$400.00} for certain checking accounts if the user completes at least two qualifying direct deposits, totaling {$1000.00} or more within 90 days of account opening. I completed those criteria, but was denied the reward.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2020-04-17
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. (NC)

Transunion has removed these accounts before and now they are back. The social security number is NOT a match with my information NOR is the name on these accounts, or the address! Transunion is causing irreparable repair to myself and business as I personally guarantee my business. If not removed I will file civil actions.
Consumer complaint received 2023-07-27
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

Me and my real estate agent were scammed out of {$30000.00}. A man named XXXX XXXX of XXXX XXXX XXXX claimed to be a private mortgage lender and promised to send closing funds during the closing but did not show up. XXXX XXXX spent several weeks communicating with the realtor, the attorneys and myself and pretended to be a private lender. He requested upfront loan fees and underwriting fees and title insurance fees in the amount of XXXX, my entire savings for my first home, but did not send the loan.he scammed us. He is not a private lender at all. And He refuses to refund the money and TD Bank will not assist us with the wire transfers.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NY)

I submitted a claim to Chase through Card Benefits Service regarding the purchase protection provided by the Chase Amazon Credit Card. 
I lost most of my possessions in a house fire. 
I submitted a claim through my renter 's insurance but due to my policy limit only some items were covered. 
I then submitted a claim for additional items totaling about {$1800.00} NOT COVERED BY MY RENTERS INSURANCE PAYOUT through the purchase protection. 
After spending hours sifting through and uploading statements and receipts, they denied my claim to the extent that the coverage was " secondary '' to renters insurance. They tried to pay me {$250.00} for my deductible. ( They mailed a check to the house that burned down ). 
The items I submitted claims for were NOT COVERED by my renter 's insurance and therefore should qualify for reimbursement under the secondary insurance.
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

On Friday XX/XX/2023 I was served with a civil summons by the Sheriff. In the civil summons I am being sued by Midland Credit Management incXXXX for the amount of {$1600.00}. This debit is not mine, I have no knowledge of this company nor have I ever opened an account with Midland Credit Management XXXXnc.
Consumer complaint received 2020-04-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

Celled TD Bank on XX/XX/XXXX about a deferment for my HELO for just 90 days .... I was informed by information in the article by XXXX that is included on a list, TD bank clearly states they are supposed to give customer deferments to homeowners on HELOC 's and when I called the rep, Im told in 2 weeks they would let me know and do so on case by case basis -- -- BUT a supervisor called me today XX/XX/XXXX to tell me that's not the case at all and he is saying they do not even offer deferments on that product - only forbearance I do not want AND so I tell him and emailed him the XXXX article today clearly stating TD bank is offering it, and even so it is stated in more than one reference online to include HELOC 's and it is reported as facts in including XXXX and the .pdf article clearly stating it is attached here below. HE says no, sorry, not happening. Say what? How then was that published and how are they not offering to suspend AND just add these deferred 3 months added to end of our loan term/duration, I mean hello?!! Income has been stopped and many like me- WE ARE IN A CRISIS HERE!
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc. (TX)

I noticed a collections on my credit report in XXXX from XXXX XXXX XXXX that had been on my report for a while. I thought it was a medical collections so I attempted to call the agency. The gentleman I spoke with stated it was for a timeshare I purchased in XXXX or XXXX. I explained to him that I had not purchased a timeshare it was my husbands and I am just an added account holder. I even explained to him that we were not married until XXXX when he told me my signature was on some paperwork he had. He said we both are on the paperwork. I told him if this was true why isnt the debt also showing on my husbands report and only on mine. I explained that this debt is not in any other credit reporting agencies and it did not belong to me. I also called our timeshare who stated that my husband has maintenance fee that are past due but no account is closed. I tried to inform the collation agency that there was no account closed so nothing should be in collections. Since then they have increased the debt monthly and what was around XXXX for about 3 years with no movement have increased to XXXX. The gentleman did threaten to start increasing the debt when i called and said it will never stop increasing although i explained to him it was not my debt.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. (MN)

Robinhood stole my money. I applied for withdrawal and they refuse to give me my money. I have chatted and talked to many of their customer service reps from XX/XX/XXXX through XX/XX/XXXX. They refuse to give me my money... spent hundreds of hours ... even had XXXX apply for a transfer... they denied it ... this is BAD!!!
Consumer complaint received 2023-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX was the bank I had when I had a card note for a XXXX XXXX XXXX. They stated on my credit report that I was 30 days late even though I made a payment for the car that month I dont have the exact date on hand but as soon as you send his report out, they will know exactly what youre referring to on my credit report that car is now paid full. When I called the credit bureau XXXX XXXX they told me it was reported in XXXX that is affecting my credit score and I need that to be removed immediately, I was always on time and always made sure my bills were paid and proof is the car is paid in full.
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Recovery Services, Inc. (TX)

I get emails every two weeks asking me to pay for a debt for a Power Company in Texas. I've never heard of the company or lived in Texas. I have asked 3 times to be removed, per their process and they have no complied.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Recently found out I was a victim of Identity Theft, so was told to pull my credit report to see was there any fraudulent information on there. I found many fraudulent accounts that I didnt open nor did I authorize or consent for them to be opened in my name, along with many fraudulent inquiries for new credit. So Im taking the necessary Steps to get this matter resolved as soon as possible.
Consumer complaint received 2019-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (FL)

at the time the account was opened my son was injured XXXX. The debt went to court at the time the circuit court judge threw out the judgement but the company has yet to remove this medical debt off my credit furthermore they are in violation of the HIPPA privacy act by placing medical collections on my report of the public too see which is in violation of my rights the company needs to remove off my credit report and also remove the negative markings the debt or judgement has been finalized.
Consumer complaint received 2023-07-26
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. (MI)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Upgrade, Inc. (CA)

I have been loyal customer Upgrade Rewards Checking. 
I'm very disappointed and upset that the Agent gave me wrong information regarding my mobile deposit reviewed my status funds be available by end of business. Unfortunately the information was givens incorrect and got email stated my funds won't be available within 10 days. If was told my funds be available within 10 days I have the agent voided the checked. Unfortunately it was late to voided past the deadline. Instead of getting funding as promised by the agent. I got email saying it need to be verifying to clear. I spoke with the manager regarding my concerns regarding your employee stated I was getting my funds by end business. Unfortunately it didn't happen I only got apology and it's out of there control got deposit. I try explain to manager it's the same payroll Check I direct deposit my check into my checking. I understand if I deposit for first time need 10 days. Unfortunately it's not the first time I deposit. I try to explain to manager I can't wait till 10 days to be clear. I live in the hotel and I need to make payment for my room. You telling me 10 days were am I going be staying at. All you say I'm sorry. Then your agent shouldn't telling the customer that they are getting funded. Now I have to figure were I'm going be staying at with no funds for 10 days.
Consumer complaint received 2019-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc. (AL)

I sent a dispute letter to Convergent Outsourcing ( creditor ) on XX/XX/2018. This letter stated that the information they provided was incorrect and the negative mark on my credit report was being falsely reported by them. I also asked in this letter for them to provide me with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them. 
A little over a week later, they responded with their " evidence '' and it was insufficient. The address that they had listed on the account was an address that I have never occupied. 
So, after receiving their letter I sent them a second letter on XX/XX/2018. This letter let them know that the information they are reporting is inaccurate and they have failed to show any alleged contract or instrument bearing my signature. I asked them once again to please show me any viable evidence that this account is being reported accurately, it has been over 31 days and I have not received a response.