davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I received an email notification from JP Morgan Chase Bank that my business checking account had been overdrafted. After checking my online banking history I noticed 33 un-authorized charges made via my Chase Business Visa debit card for three retailers : XXXX, XXXX and XXXX and XXXX stores. I did not make my debit card or any of my personal information available to any other individuals for use at these stores. I went into a Chase branch and informed the banker who assisted me in calling the fraud claims department. I was informed by the Chase representative that the un-authorized charges were made using a XXXX XXXX digital wallet setup using my stolen identity and Chase Business Visa Debit Card on an unknown device ( s ). I never installed, setup, or authorized a digital wallet on any of my devices. However, the claim was denied, despite the fact that I was told that I wouldn't be responsible for fraudulent charges when I initially opened the account. Very little information was provided on why the claim was denied other than two-step electronic verification was used to create a digital wallet account using my phone number which I assume may have been cloned for this illicit purpose. On XX/XX/XXXX I filed an official police report. I own an XXXX XXXX device and provided the fraud department my specific phone and XXXX XXXX XXXX service provider information. I've never had a digital wallet setup on any of my devices. I also provided Chase with two signed and notarized affidavits explaining the fraudulent charges in detail, the police report, and a detailed list of each of the 33 fraudulent charges including dates, locations and amounts of each transaction. The unauthorized and disputed charges by XXXX, XXXX and XXXX and XXXX stores totaled {$6800.00} from XX/XX/XXXX thru XX/XX/XXXX. I have since changed my email password, my Chase online banking username and password, and canceled and replaced my Chase Business debit card.
Consumer complaint received 2023-04-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management (CA)

This debt appeared on my credit report in XX/XX/XXXX under the name XXXX XXXX XXXX XXXX. I contacted them to find out what the debt was as I had no knowledge of this account. They stated the debt was from an account XXXX XXXX XXXX. I had made them aware of my last contact with check into cash in person and of my payment to them which XXXX confirmed they saw. They then stated this appeared to be an online transaction after that date and I let them know I did have an incident of fraudulent activity after my last contact and it was noted on all accounts and my credit report for the last 7 years. In the same instance, all my checking accounts and credit cards during that period have been closed and I do not have records. I found it interesting this appeared after that note was no longer on my report. They then offered to validate the debt which in XXXX of XXXX, they sent me a letter stating they were unable to validate the debt and was removing the account from my credit report. I just opened a letter from Plaza Services LLC. stating I needed to provide them with a " voluntary '' identity/theft report on this same account. The letter enclosed was dated XX/XX/XXXX. I called them today and they stated XXXX is their affiliate for payments and they are the parent company. That they do not count the debt as being not validated and again I HAD to send the voluntary information in. I did inform them this account had been removed by XXXX from my credit report. It is not showing on my credit report at this time. The representative did not want to put in my request for validation of debt. In response I have sent an email requesting a validation of debt from them since they stated XXXX was not them. However, I am confused why they stated they are the parent company of XXXX and that if I paid XXXX it would be accepted but XXXX saying the debt was not validated is NOT accepted.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act the list of account ( s ) below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

15 USC 1681 Section 602 A. States : I have the right to privacy> 15 USC 1681. Section 604 A Section 2 It also States : A consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681 c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following item ( s ) Items of information any other adverse. Items of information, other than records of conviction ( s ) of crime with antedates the report by more than seven years.

15 USC 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know ( s ) or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2023-04-17
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. (PA)

My name is 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 2023-04-18
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. (MA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-04-18
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)

Im accordance with the Fair credit Reporting Act XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights 15.U.S.C. 1681 Section 602 A states I have the rights to privacy 15.U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish without my written instructions
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

Credit report is showing an account that the company and myself do not recognize. 
I have called discover and they have stated there is nothing they can do as the account does not show on their end under my social. 
Account shows it was last paid XX/XX/2020 with a balance of {$3000.00}.
Consumer complaint received 2023-04-18
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. (CA)

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was shocked to see that this morning, incorrect accounts suddenly appeared on my credit report, and I have no clue how they got there. I checked my report like I normally do, but this time I found discrepancies that came out of nowhere. I even refreshed my browser, hoping it was a glitch, but the wrong accounts were still there. Im really concerned about this and need the documents I submitted to be thoroughly reviewed, so I never have to worry about this again.
Consumer complaint received 2023-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

I turned in my Public Service Loan Forgiveness information early last year and had to consolidate with XXXX. XXXX moved to Mohela. I have been working for the XXXX XXXX since XXXX of XXXX constant employment. Prior to having to consolidate for the loan forgiveness waiver, I only had 1 servicer which was XXXX which I paid and have history on payment since XXXX ( before PSLF even started ). Between Dept of Education and Mohela, nobody is processing the remaining payments I have and it's been nearly a year. BOTH the DoEd and Mohela should have my entire file and payment history, my employment has been certified already and my payment tracker has been stuck at XXXX since before mid XXXX. I do not get responses beyond they are working it, I have had complaints with the dept of ed that were closed without resolution and supposedly I had to file a reconsideration ( which I shouldn't have had to do ) but Dept of Ed approved that and said they adjusted something that I have never seen. On the flip side, on a XXXXXXXX page for this topic, multiple times a day there are people posting hundreds of thousands of dollars worth of loan forgiveness for themselves in files that were submitted much longer after mine with me having no resolution. I do not know if Mohela is incentivized to process large value loans first ( I have $ XXXX ) but there is no reason I should not have been processed yet. One employer, one payment history back to XXXX with the entire XXXX payment history uploaded to XXXX and dept of education who has a hand in this. I should not be a year later and still waiting on my payments to post and have forgiveness when I am over payment and over the time period required for forgiveness. Please help. It was stated early on that those of us in the public servant arena with the 120 payment already done would be processed first, yet a year later, no forgiveness and no status, DoEd closes complaints without resolution and supposedly nobody knows anything about my file. I am either being ignored since I filed complaints or I am because I do not have over 100K in debt to forgive. Either way, please help. I put in my time, I should have been easy, I had no issues and always paid
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2023-04-18
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Acct # XXXX. Has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (TX)

XX/XX/2023 Called 5 Times XX/XX/2023 Called 5 Times XX/XX/2023 Called 5 Times Calls on Saturday 's and Sunday 's and when I attempted to discuss the debt, I was cursed at and told I was a XXXX XXXX XXXX XXXXXXXX because I could not afford to pay the bill. 

I tried explaining it was due to a divorce and is my ex-spouse responsibility, but was told they hear that every day and just didn't care for any excuses. 

I have no idea who they are collecting the debt for, as I was never notified the debt was sold?
Consumer complaint received 2023-04-18
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. (WA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (VA)

I opened an account with truist bank on XX/XX/XXXX I was told my irs refund check that was being mailed would be available next day once deposited. On XX/XX/XXXX I Deposited my IRS Government refund tax check and I was told my account was not valid.. I tried to deposit it with XXXX  XXXX  ( online bank ) and was told truist had already ran the check through their institution by XXXX  XXXX. The check went bank to be deposited into truist and was accepted after further explaining on XX/XX/XXXX XXXX was told check would be put on hold for XXXX business day by Branch manager XXXX XXXX XXXX XXXX I was also told I would be able to open an account and have my funds available next day which was not the case. After check was put on hold then released into my account on XX/XX/XXXX the fraud department of Truist bank blocked my account and closed my account with no explanation. When I called the bank and asked for clarity they referred me to the fraud department which asked for several documents which I provided same day, upon receiving documents they advised they would need more documents to release funds including my official tax transcripts. They have cashed the check, which I can see the funds available in my account but have been blocked by the institution. I also went in the office later during the week and talked to another Branch Manager of XXXX XXXX who advised my funds would be realeased after he scanned the documents to the department of fraud. They are now asking for more documents to prove with no explanation or time frame of when I will be able to access my account. The customer service reps have been rude and have not helped at all. I would love some help on getting this resolved as soon as possible. My family is homeless and need these funds to move into our department.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THIS ACCOUNT IS A JOINT FRAUDULENT ACCOUNT. SOMEONE ELSE 'S INFORMATION HAS BEEN BREACHED WITH MINE WITH SIMILAR NAMES AND SIMILAR SOCIAL SECURITY NUMBER. THIS ACCOUNT WAS OPENED WITH A SOCIAL SECURITY NUMBER OF XXXX PER MY XXXX CREDIT REPORT I HAVE SUPPLIED EVIDENCE AND DOCUMENTS TO XXXX XXXXXXXX XXXX THEY ARE AWARE OF THE SITUATION. I AM NOT RESPONSIBLE FOR THIS ACCOUNT AND DEBT. 

XXXX XXXX XXXX WAS OPENED ON XX/XX/year> AND THE ACCOUNT STATUS IS CHARGED OFF. 1099 C WAS NOT SENT EVEN AFTER SEVERAL ATTEMPT TO REQUEST. 

XXXX XXXX XXXXXXXX WAS OPENED ON XX/XX/year> AND THE ACCOUNT STATUS IS CHARGED OFF. 1099 C WAS NOT SENT EVEN AFTER SEVERAL ATTEMPT TO REQUEST. 

BOTH ACCOUNTS ARE OLD, NOT VALID, NOT ACCURATE, I ASKED ALL THREE CREDIT BUREAUS TO VALIDATE AND REMOVE, ALL THREE MAJOR BUREAUS REFUSE TO CORRECT AND REMOVE.
Consumer complaint received 2023-04-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MS)

We need to close an Escrow Account with Freedom Mortgage due to a change of insurance that was with XXXX XXXXNew insurance more reasonable.We are paying the new insurance directly from our account. No need for an Escrow. My husband 100 % XXXX  tax exempt.. 
Freedom Mortgage refuses to remove Escrow which leaves us making a high mortgage payment because money for Escrow is included.New insurance effective XX/XX/. 
Old insurance ended XX/XX/2023 XXXX sent proof of our new insurance to Freedom Mortgage which Freedom mortgage acknowledged that they received.
Consumer complaint received 2023-04-18
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. (NY)

I was never late on the paid off account listed above. please show me documentation showing proof of transaction, showing I was ever late, to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

My wife XXXX XXXX and I rented an apartment at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX, from XXXX XXXX XXXX who can be reached at ( XXXX ) XXXX, for two years until XX/XX/2019. After vacating, we had a final walk-through with the on-site resident manager who confirmed that the apartment was empty and professionally cleaned. 

However, a few months later, we received a notice from XXXX XXXX claiming that we owed {$220.00} for a missing cook-stove burner and a new cleaning sponge left under the sink. We immediately called to inquire about the charges and were told that they were a mistake. The manager apologized and promised to take care of the charges. After several weeks of communication between us, the manager, and the back-office staff who generated the charges, we were assured that the matter was resolved. 

Recently, I received an email from my XXXX XXXX XXXX alerting me of a " major derogatory mark '' on one of my accounts. After logging in, I discovered that Columbia Debt Recover : COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TEL : XXXX on behalf of XXXX XXXX , had reported a collection item on my account for a supposed debt of {$76.00}. When I called the provided phone number to request substantiation of the debt, I received an email with only the name of the creditor and a vague " Move Out Statement '' that basically support my above recount of the event, and the original debt amount of {$76.00} as well as a total due of {$78.00}. 

I have learned from other tenants and a past employee that this is not a rare occurrence but rather a consistent scheme used by the management company to collect small nominal charges that many residents may not bother to fight. This appears to be a fraudulent practice that defrauds past residents with small insignificant amounts that may accumulate to a significant annual sum for the management company
Consumer complaint received 2023-04-18
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. (TX)

Re : Account XXXX XXXX # XXXX I have filed a dispute on this account on XX/XX/2023. This is a repossession and is reporting incorrectly. The bureau has failed to respond and comply with my dispute within the 30 days which is grounds for removal under 15 USC Sec 1681. This account is reporting inaccurately and is hurting my ability to obtain credit.