davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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. (NY)

Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX, New York XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX  XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report.

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration.

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-12-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NM)

In late XX/XX/XXXX, Chase Bank sent a statement to my home indicating my savings account had an opening balance ( XX/XX/XXXX) of {$9.00} and a closing balance ( XX/XX/XXXX ) of {$0.00}. There was an withdrawal, not by me, of {$9.00} on XX/XX/XXXX. The transaction detail labeled the withdrawal as " Unclaimed Property State Remittance. '' I called the bank to ask for that the confiscated money be returned to me. I did not care if the account had been closed as I rarely used it anymore. ( It was set up for convenient money transfer to my son in college ). But I did n't think it fair for the bank to simply abscond with my {$9.00}. 

I made the first call within a few days after reading the statement. After a long telephone runaround, they told me the department to deal with this was closed and I should call back.

I called back on XX/XX/XXXX and again asked that my missing money be refunded. I sp

oke to four people on a call that took some 50 minutes of my time. The last representative said I must go to a branch. She said the nearest branch is in Arizona -- a six hour drive! That was how Chase refused to solve an issue of its own making. I now want my {$9.00} back. I also want to be reimbursed {$300.00} for the two hours of professional time wasted on this ( m
y freelance rate is $ XXXX/hr

). And I want an apology for how a ) I was never advised they wished to close my account, b ) I was routed all over their company with no resolution, c ) I was insulted by their suggestion I drive six hours to a distant branch, and d ) I had my money confiscated for no good reason. Thank You!
Consumer complaint received 2023-04-08
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: GOLDMAN SACHS BANK USA (OR)

Apple credit card- is violating the FCRA and reporting : 1. I owe {$2800.00} on debits that were ruled during identity theft disputes filed, and filed to not be my charges. I actually owe XXXX. They have told me during multiple calls I dont owe, and they emailed a accountant to write off the charges. 

2. Inaccurate reporting to the credit bureaus : my last dispute was finalized by XX/XX/XXXX, yet they have reported to bureaus the fraud charges instead of removing them by the statuatory deadline of XX/XX/XXXX. It took XXXX calls to get my balance amount due because their system does not show what is actually owed. It was paid off in XX/XX/XXXX. Suggest they fix their system to show charges customer owes from fraud charges, 3. Since I owe nothing, and all fraud charges sere disputed in my favor, they needed to report on XX/XX/XXXX only the balance I owed, not leave the fraud charges on my account as a balance due. Instead of me owing {$250.00} roughly, their reporting to bureaus as of XX/XX/XXXX, over {$3600.00} is owed, inaccurate reporting. 

4. As of XX/XX/XXXX, their reporting I am delinquent and owe over {$2800.00} when I dont owe any money. Their only solution is to send a email and nothing gets done. Theyve stated I dont owe, but they can fix their system as their not allowed to do any entries, only their accountant can fix this, but she never called me like they promised she would do in XXXX, XXXX. 

I have asked for the credit reporting to be fixed, and my credit score returned to XXXX like it was prior to their inaccurate reporting. Who can help me? 
I sent them a certified letter disputing the inaccuracies and they received it on XX/XX/XXXX. Please make them comply with the laws since they have until XX/XX/XXXX to fix the innacurate reporting, Thank you, XXXX XXXX.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (TX)

I need to get this issue resolved asap! I need them to read the letter that was sent and to note that XXXX phone number XXXX is no longer in service so there is no way we can call them direct to get it fixed. These credit reporting agencies are reporting and claiming to verify these accounts through a closed company. These accounts have a XXXX balance as shown by the Department of Education and XXXX wo is the servicers of the student accounts.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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 2023-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

This all started when my wife was opening new service in XX/XX/2022 from XXXX for our new address. When I spoke to a representative, they stated I owe {$980.00} for service in Georgia USA. I explained we don't live in Georgia nor have we in the past. I gave the representative all of my current information as well as my personal information for verification purpose. However the representative stated I still owe for an account I did not open, and this is fraudulent. I asked the representative if they have identification on file and they said yes. 
They called several times requesting payment and tried to withdraw funds from my credit card for the past amount due from someone in Georgia. 

Yesterday I received a letter from XXXX. XXXX XXXX stating I owe {$4100.00}. 

This is illegal and I should not be charged or pay for something I have no knowledge of. I explained this to the representative, however they were not interested in hearing what I had to say. They wanted me to pay for someone's else bill.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA (NE)

XXXX XXXX was letting apple pay deduct money out of XXXX account without his authorization. They were little amounts so he didn't notice them. It did not explain on the withdraw what it pertained to. This has been going on since XXXX. Apple pay was notified and they are only willing to reimburse {$90.00} which was 60 days, I have calculated all of the charges up to when they were taken out and it reached over {$2000.00}. I contacted XXXX XXXX they let the fraud department look at it and says there is nothing they can do. I think apple should be responsible for these charges but they will not help with anything. 
I believe that apple should be responsible to XXXX XXXX and XXXX XXXX should have been wondering why apple did not state what those charges were for. I would like some compensation from apple pay but only XXXX XXXX can help me with that. This is fraudulant abuse and should be taken care of. I would like reimbursed my money from apple bay by XXXX XXXX.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX sent me a check claim refund for {$310.00}. Someone stole my check and printed their name on it. That someone deposited my check in their Wells Fargo account even though the name on the check was meant for XXXX XXXX Wells Fargo allowed the deposit of the check into a deposit account that did not match the check. 

I requested Wells Fargo to reverse the transaction and return the funds to XXXX so they can give me my money back. they said the money is already deposited and there is nothing they can do about it.
Consumer complaint received 2017-12-06
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: EQUIFAX, INC. (AZ)

I have been trying to contact Equifax about the fraud accounts on my report and no one will help me. They keep adding things on my credit report that is fraud and I am a victim of identity theft. They have removed somethings but then they add it right back. I also sent in several police reports and they are still not blocking the accounts that are fraud. They are violating the fcra and me as well. I am a victim of the data breach as well as identity theft that was also sent to the hackers and they keep wanting me to send more of my personal information to them so that the hackers can keep stealing my information. I just want them to block the fraud accounts that are on my police report and they are not doing what is required by law. I need this resolved imediately.
Consumer complaint received 2017-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MO)

XXXX received a final payment from me after cancelling service. This is reflected in received statement. XXXX claimed they returned payment to issue new final balance. I never received alleged return payment and called to resolve. A man name XXXX allegedly resolved issue and emailed me stating such. This resolve did not include return of over payment. I received another request for payment and called to resolve. Now XXXX claims they never received payment and told me to resolve with bank. I told them I payed and had proof. They wanted me speak to a different rep but they would n't make an appointment. This is now the 7th collection agency.
Consumer complaint received 2023-04-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TH Professional & Medical Collections LTD (IL)

There are 2 medical bills that an out of net work provider is charging me without my authorization. They are violating my right under surprise act of 2022. They are The Prof Medical Collection and XXXXXXXX XXXX XXXX they are also charging me interest ; every month the bills gets higher. This is improper use report. 


Thank you XXXX XXXX
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (MO)

This was a joint account with my husband. This collection was removed from all 3 of my husbands credit reports because it was fraud but it still remains attached to me. On XX/XX/XXXX, I contacted IQ Data International via email per companys request and to verify this debit. I never heard back from them. I constantly called to ask the status of the verification and I was constantly told it hasnt been checked yet. I still received calls about this debt that I do not owe. On XX/XX/XXXX, I disputed this account with XXXX and XXXX. XXXX had no knowledge of the debt and XXXX deleted it due to it being investigated and its not my debt. For whatever reason, XXXX has come back verified. I also received a letter from IQ Data telling me that why will not investigate this anymore because its verified as my debt but they have yet to send me any proof that its mines. Ive been fighting this debt long enough and I need this deleted from my XXXX report as it is not my debt.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (NY)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

I applied for the Barclays Jet Blue MC plus which at the time I applied was for a promotion of XXXX Jet Blue Points which I have done everything from spending the {$1000.00} and paying a {$99.00} annual fee I would have never taken this card to pay a {$99.00} annual fee if it didn't come with that promotion. 

I am asking the company to reimburse me with the balance of XXXX points because they have already given me XXXX I have family members who applied at the same time as I did and received XXXX points I am asking for the points that I applied for at the time of this Promotion
Consumer complaint received 2023-04-11
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

A Capital One XXXX XXXX was opened up in my name on XX/XX/XXXX. The card was applied for in store and XXXX purchases were made on the day of opening the card, totaling {$1900.00}, but prior to me receiving the actual card. I received the card in the mail and did not authorize it. I filed a fraud claim with Capital One on XX/XX/XXXX, after I received the card and realized there had been fraud. I also received a XXXX card and a XXXX XXXX card on XX/XX/XXXX and XXXX. Both XXXX and XXXX have deemed their cards as fraud and closed the accounts. 

I filed a police report and have documentation of that. 

On XX/XX/XXXX I received a letter from Capital One stating that I am responsible for the purchases. I called and refiled the case. I received another letter on XX/XX/XXXX stating that they finished their investigation and I am responsible. I called the Fraud Department to reopen the case and they told me no. They said the application was signed by me but they wont show me the signature. They have my correct address but not my correct phone number. They said the phone number was associated with me, based on their research, but I don't have that phone number. They also said a call was made to them on XX/XX/XXXX at XXXX XXXX. They won't compare signatures and i was not in the city where the card was opened up.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

I applied fr a Modification with USBank they purposely drag it out, years it was long US bank keep asking me fr the same paper work over and over.i was trying remove my mom fr the Account US bank had me go pay fr a quick claim Deed An would not do it. They stop taking my mortgage said it 's in a loss mitigation they kept stringing me along they waited in till there was a new president and executive order was signed and they denied my modification I do n't know they did Denied it I called the end of   XXXX   to check on the status that 's when I was told they never gave me the chance to appeal their decision they filed foreclosure right away they have done all the paperwork with the judge he signed off on taking my house and the only way they 'll allow me to keep my house I have to pay {$38000.00} not what I/O they have n't sent me the paperwork it is sitting in courts filed With the judge they never gave me a chance so all they 're waiting on is to just put me on the street I lost my job I got on employment for three months form I started working in  XXXX  of last year I 've been saving my mortgage payment The bank and the judge use you the court system to Railroad me and take my house please can you help me my home has about {$30000.00} in damages it needs a new roof from the hurricane last year that Home has a lot of problems because of the   XXXX   XXXX   messed up the house they build it fast and nothing was done properly and when I bought my home it was a abandon for over five years The previous owner flood the house took out all the like inside all the kitchen cabinets bathroom it was vandalized by them and they really did not give me a fair opportunity they just want me gone
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

Lender requires proof of flood insurance for the building ( condo ) on an annual basis, which is provided automatically by the insurance agent. Each year, lender sends a letter of reminder that they need the proof. Each year, I contact the insurance agent, who confirms the date/time the proof was sent. Each year, I then contact the lender who confirms receipt. 

Same thing this year. I contacted the lender in XX/XX/XXXX, was told by the agent they had received the information they needed from the insurance agent. 

Yesterday ( XX/XX/XXXX ) I received a letter from the lender indicating they had secured a flood insurance policy on my behalf, and set up an escrow account to handle the fee. They indicated that the policy they secured ( {$860.00} ) meant that I now owe them {$1600.00}. 

I spoke with the lender today. The agent confirms they *DID* receive the information from the insurance agent, but they still need the DECLARATION PAGE ( which does not appear on the original notice ). They have asked me to obtain and fax to them. If they are satisfied, they will look to unwind the process they went through to obtain flood insurance and bill me.
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unified Global Solutions LLC (TX)

Unified Global Solutions LLC contacted me through email on XX/XX/23, stating this : Our Internal Control Number : XXXX Original Creditor : XXXX XXXX Total Balance Due : {$1100.00} Hello We have made several attempts to reach you regarding the above mentioned business matter. This account will be listed as a direct refusal to cooperate if suitable arrangements are not made. A decision will be made on your behalf and may also reflect as derogatory on your Credit Report. The issuer does reserve the right to litigate on this account via the contract you have signed. We are willing to work with you if you are unable to pay the balance in full if your account is approved for hardship. You can contact us by phone or email displayed below to make arrangements to avoid possible legal action. 
Regards, Unified Global Solutions, LLC XXXX XXXX They said that they have contacted me several times, but this was the first time I was contacted. I replied to their email stating I was like to see if I can qualify for a hardship. They called me, left a voice mail, about setting up a hardship. I emailed them back asking them to please MAIL me information about their company and my XXXX XXXX account. They replied and said that I could contact XXXX XXXX to ask for that information and that XXXX XXXX would tell me who the gave my account to, to collect the debt. XXXX XXXX states that Structed Settlement is who should have my account. 

I've emailed them 3 times since then, asking for more information and that a debt validation letter please be mailed to me, but I have not received anything. 

A women has been calling me, leaving voice mails, her name is XXXX XXXX, but she doesn't say what company she it with, but she does reference the hardship I asked about in her messages. She has also called family members and left messages saying she is going to file paper work at the courthouse if I don't respond. The number she wants me to call is XXXX. 

All I want is for them to mail me a debt validation notice so I know this is a legitimate debt collector before I pay anyone any money.
Consumer complaint received 2023-04-08
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. (FL)

Acct closed date : XX/XX/XXXX Written off in filed for payoff on taxes tax year XXXX. Company has confirmed this debt has been paid in written off. Numerous attempts to remove negative impact in nothing has been done.