davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I paid off {$1500.00} settlement offer for finwise account for original balance was {$4600.00} on XX/XX/XXXX. Account is showing open on experian credit report. {$88.00} XXXX XXXX XXXX is still showing due on my credit report as delinquent. This amount was discharged in XXXX  XXXX bankruptcy in XXXX of XXXX.
Consumer complaint received 2023-01-14
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: Foursight Holding LLC (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (WI)

I opened Claim Number : XXXX in XXXX with Chase Bank, I needed their assistance as I was getting the run around with XXXX. XX/XX/XXXX I ordered a new laptop through XXXX third-party seller XXXX XXXX XXXX XXXX When the laptop arrived it was powered on and open, showing it had been used. The laptop cost was {$1200.00} new. Since it was powered on and used I asked XXXX to return it. XXXX said ok, sent me a label and I sent it back. To my surprise I was only refunded {$960.00} because XXXX XXXX XXXX only refunded partial and kept a restocking fee. This was not disclosed at any point. I fought with XXXX and was going in circles. I reached out to Chase. Chase disputed it and came back and stated that XXXX returned on all the money, and listed a bunch of returns from other orders. I kept trying to explain but the lady and eventually the manager would not listen. They kept saying they can't dispute again. However this is illegal, you can't sell goods as new and send used ones. I called and spoke to Chase on XXXX at XXXX CST, it was a XXXX phone call. I really want this resolved and want the XXXX back as this was not my mistake or buyers ' remorse but literally a bait and switch from this company. Chase should help protect my money coming from my banking account with them.
Consumer complaint received 2022-10-03
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. (GA)

On XX/XX/XXXX I received letters in the mail indicating that a bankruptcy on my credit report was validated. The credit bureaus ( XXXX, Equifax and XXXX ) and XXXX XXXX failed to provide documentation stating where they are validating their information. The XXXX XXXX XXXX Georgia verified that they did not provide any information to third parties regarding any bankruptcy in my name. In addition, they validated that placing public records from PACER onto an individuals credit profile is illegal and UNJUST. According to the Fair Credit Reporting Act 15 U.S.C. 1681-1681x, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. Investigation must include providing documentation and/or proof of the process in which information is validated. My rights are currently being dismissed.
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (NM)

On XX/XX/2019 I was directed to Freedom Debt Relief after being denied for a debt consolidation loan. I reached out to the company and the program was explained to me. I agreed and signed up for the program, not apparently understanding how the fees worked. In all the documentation I received I was not informed how much of a percentage would be taken during my debt relief program. I payed monthly fees for the account that seemed very reasonable along with a few other fees here and there. I assumed these were the fees for the program not knowing there would be more. 

Between XX/XX/2019 and today, XX/XX/2019 I had deposited XXXX. On this date I logged in to see the progress of my account and observed a fee of {$4400.00} which completely caught me by surprise as it was almost the exact amount in my account. I immediately called and spoke with a representative who stated that is was a service fee for my settlement and that I agreed to it when I signed my contract I asked to cancel the account immediately and that I did not agree to pay everything that had been saved as a service fee. I was transferred to someone who could cancel my account. 

I spoke with a XXXX. When I asked to cancel my account and be reimbursed. She stated that this had been agreed upon and I could not receive a refund for the services provided. She continued to state I agreed to the fees and was told this on my welcome phone call. I had to ask over 5 times for her to quit arguing and cancel my service. She finally relented and began cancelling account arguing with me the whole time. While cancelling I asked follow up questions about the fees that were not explained thoroughly to me and she stated that they had just made the first payment on my first settlement that day. This apparently entitled them to all the money in my account keeping me from being reimbursed. I confirmed if I had called one day prior I would have gotten my money back she stated that was correct. The agreed upon payment to my debt collector was for just under {$300.00} a month. So they made one payment of roughly {$300.00} and now get to keep {$4400.00} after I asked to cancel my program due to misleading information. They also canceled the settlement so I do not even get the product for my {$4400.00}. 

After finding this out I asked to file a complaint, which the person insisted on taking herself. I had to demand more than 5 times that I speak with a supervisor, before she finally connected me for the complaint. The supervisor took my complaint but stated there was not any real follow up that I would receive and that was what I agreed to. All in all I feel like I just lost over {$4500.00} and received nothing in return due to misleading information about the fees. 

I obviously researched to see if this had happened before and find that they were required to pay for misleading information in the past. Please look into this so no one else has this happen to them.
Consumer complaint received 2023-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc. (CT)

I have never received any bill for the XXXX XXXX on my credit report. I have disputed it several times have only received a response stating this account is verified as yours how if I never received a bill prior to collections because my insurance paid the bills to the original providers at the contracted rate they have in place. You dont send someone to collections because you want the difference that what my insurance & the provider agree upon. I never received any bills from XXXX XXXX or XXXX XXXX . 

XXXX XXXX : XXXX XXXX XXXX ( {$110.00} )
Consumer complaint received 2023-01-14
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. (PA)

WAS A VICTIM OF ID THEFT/FRAUD AND A CREDIT CARD WAS OPENED IN 2018 FROM XXXX XXXX  XXXX CREDIT CARD AND I HAVE BEEN DISPUTING THIS SINCE 2018 AND FILED FTC ID REPORT AND POLICE REPORT BACK IN 2018 BUT RECENT TRAGEDIES FIRE TO HOUSE, HEALTH ISSUES, XXXX XXXX AND MOVING AND LOSE OF JOB DUE TO HEALTH ISSUES. I CALLED EXPERIAN AND ASKED THEM MANY MANY MANY TIMES TO REMOVE THE CHARGE OFF FROM MY CREDIT REPORT AS IT IS NOT MINE, I SENT THEM LETTERS FROM THE CREDIT CARD COMPANY SAYING IT IS NOT MINE AND ALSO CALLED OTHER AGENCIES THAT I WAS TOLD SOLD IT TOO THEM ( ANOTHER COLLECTION COMPANY ) KNOW ITS XXXX XXXX XXXX WHO CLAIM THEY HAVE IT BUT WHEN I CALLED THEM AND VERIFIED MY INFO THEY SAID THEY HAVE NO INFORMATION ON ME. SO I ASKED THEM TO CONTACT EXPERIAN AS THAT IS THE ONLY REPORTING AGENCY THAT HAS IT ON MY CREDIT REPORT, XXXX AND XXXX HAS REMOVED IT BUT EXPERIAN WONT AND I AM FRUSTRATED BY ALL THIS AND THEY WILL NOT HELP ME. THEY ARE RUDE NASTY UNPLEASANT TO DEAL WITH AT EXPERIAN I SENT THEM MANY DOCUMENTS BUT OF COURSE THEY HAVE BEEN LOST BY THEM IN RECENT MONTHS. THE CREDIT CARD IS NOT MINE.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I had a credit card opened in my name from XXXX that was used for a XXXX XXXX store card I never opened this account I am trying to get this resolved now account was opened on XXXX of XXXX payments were made on this account last payment was made in XXXX of XXXX for the amount of {$220.00} I never received statements in the mail for this account the statements were going to another address other than mine the account is now closed and in collection for the amount of {$3400.00}
Consumer complaint received 2019-09-30
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: Experian Information Solutions Inc. (UT)

An overlimit status was reported by XXXX XXXX XXXX XXXX on my Visa. This overlimit was due to an erroneous charge by XXXX on a Friday, which was reversed the following Tuesday morning ( due to the XXXX XXXX Holiday weekend ). When I saw this reporting on my Experian credit monitoring service I called reached out to XXXX and then XXXX XXXX and explained what happened. I was told by XXXX XXXX customer service that " she '' had noted the circumstances on my account and instructed me to open a dispute with Experian to which XXXX XXXX would correct the inaccurate reporting. I just received a dispute resolution from Experian stating XXXX XXXX did not change the reporting and the negative reporting would remain on my credit file.
Consumer complaint received 2019-09-30
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: Experian Information Solutions Inc. (TX)

XXXX and Experian are reporting incorrectly on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This is an unsubstantiated debt and should not be showing on my credit report. This account was removed from my credit report in XX/XX/XXXX and is now re-appearing with a reporting date of XX/XX/XXXX with a different account number. This is an absolute violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report immediately. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FISERV INC. (LA)

On XX/XX/22 I tried cashing a check for {$280.00} at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, LA XXXX. The check was denied by Telecheck. I then called Telecheck and gave the information to verify my identity thinking it would clear up the matter. I was told by the Telecheck representative that I would then be able to cash the check. When I tried cashing the check again, I was again denied. When I called Telecheck again, the next representative said that I wasn't denied, that the check was flagged for the possibility of fraud. As a result, I was forced to pay an extra fee for using my debit card. Thank goodness I have the means to pay the extra service fee, but others may not be so fortunate. XXXX XXXX charging 3.5 % extra when paying by debit or credit card and then relying on Telecheck to deny legitimate checks is a means for them to increase revenues, which is unethical and predatory. Secondly, Telecheck is complicit in supporting their unethical business practices.
Consumer complaint received 2019-09-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (CA)

XXXX XXXX  charged the wrong amount in the first place and took a couple of years to finally send me a letter saying that they did charge the wrong amount. I have called them several times to rectify this and then they sent me to Real Time Solutions who they said owned it now, when I call them they said that they can't do anything about it because XXXX  is the only one that has that power and when I call XXXX to get to the bottom of this they say that I have to go through Real Time Solutions. I have asked them repedealty that I will pay the correct amount and want the charge off taken off since they never properly represented the correct amount to be charged. 

I have a letter from XXXX stating that they did not charge the correct amount and that they took off the wrong amount or credited the account
Consumer complaint received 2019-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

I purchased tickets from a seller on XXXX using Zelle ~ I paid them {$150.00} for 2 tickets Saturday XX/XX/2019 ~ I never received the tickets. My calls were blocked. I never heard from the Seller again. I contacted my bank, XXXX XXXX XXXX XXXX and they said they could not help me. I called Zelle and they also said that they could not help me. 
Please help me. There has got to be someone out there who can help me. 

Thank you ~ XXXX
Consumer complaint received 2022-10-03
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: Caliber Home Loans, Inc. (TX)

Please research my credit history. You can see that it was great until XXXX XXXX XXXX. My Mortgage company ( Caliber ) has ruined my credit. Ive argued with them for over 6 months. Caliber management is adamant they are right, and more importantly, I am wrong. I filed a XXXX  claim against them back in XXXX and my account has been flagged. I cant speak to customer service about my account without having to go straight to a manager. This is retaliatory and unfortunate because customer service seams competent and helpful. 

Caliber, in ERROR, added escrow to my account in XXXX. They later corrected it in XXXX. However, they credited escrow for most of my XXXX payment. I found out in XXXX that they sent me a check in XXXX for the amount that was sent to escrow. I never received it, nor was I expecting a payment. I never received, cashed, or was wired any money from Caliber. Every month we are on the phone trying to figure out why they are sending us delinquency notices and why they say our account doesnt balance. On our end, we show that the amounts we paid equal the amounts we owe as of XX/XX/XXXX '. Customer Service saw our issue and promised a returned call by a manager. Finally, in XXXX a customer service rep tells me in mid XXXX that a check was sent back in XXXX. Caliber puts a stop on the check and reissues. So, in XXXX I receive a check, I deposit and send back to Caliber. Now they show my balance as resolved. Meanwhile, to the rest of the world, Im late paying for XXXX, XXXX, XXXX, XXXX, XXXX and maybe XXXX. 

If Im delinquent, why are they sending me money. Why couldnt they just keep it and not ruin my credit? A Caliber manager that I was forwarded to insisted that as soon as they wrote me a check for the escrow reimbursement back in XXXX, I was delinquent. If I havent received the money, Caliber still has the money. I didnt get the money until XXXX. Caliber management is not going to research anything. If their screen reads late. It is late. PERIOD. 

This all began by a Caliber error. My account should have never been thrown into escrow. My payments should have always been {$1200.00}. If Im late, it is just for XXXX and XXXX. That is when my wife was on the phone with them trying to figure out why they applied escrow to our account in the first place. Im not doing this because of the $ XXXX late fees. Im doing this because my credit that I spent 30 years building has been trashed in 6 months by a payment misunderstanding. 


Please help,
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have taken action on this account as of XX/XX/XXXX timeframe and I have disputed this information and it states it does meet the FCRA requirements to be removed from my credit report but the company is still reporting it and the account is closed and paid off.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

For the past 2 years I have written this company to have unauthorized credit inquiries removed from my file as well as invalidated public records reporting. This company will not validate that the items are for me. I have called and written in multiple times during the past two years and have again in the last week. This company will not follow suit as the other bureaus in the dispute and remove items that are unauthorized and not validated.
Consumer complaint received 2023-01-14
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. (OH)

I have checked my EQUIFAX credit report in XXXX noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) 3, Equifax assumed this role without permission not only that, they did not have my consent. Equifax did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. Equifax did not exercise their grave responsibility & were unfair. I have already taken the liberty to file this CFPB report and I will file attorney general 's complaint if these accounts aren't removed. Equifax never had a permissible purpose Under 1681b ( a ) 2. I never instructed EQUIFAX to furnish this report and I never consented to this report in the first place. The XXXX fraudulent accounts are XXXX paid charge-off accounts with XXXX XXXX XXXX XXXX for the amounts of {$250.00} and {$230.00}. I have never banked with this company. A Student loan for XXXXXXXX XXXX XXXXXXXX. I NEVER had a school loan. XXXX and XXXX removed this fraudulent student loan but Equifax remains. XXXX told me on CFPB that the tradeline will be removed on all bureaus. A card with XXXX XXXX For the amount of XXXX. In XX/XX/XXXX, a fraudulent collection account with XXXX XXXX XXXX for the original creditor XXXX XXXX XXXX XXXX was placed on my profile for the amount of XXXX. I do not have ANY UTILITY BILLS-ACCOUNTS IN MY NAME AS I DO NOT HAVE MY OWN HOUSE, I stay with my mother on XXXX XXXX. I have not done business with either company and These XXXX accounts needs to be deleted off of my credit. I am attaching my etc report, the letter I sent Equifax and my proof of identity and the CFPB complaint showing XXXX  was to remove all traplines.
Consumer complaint received 2022-10-03
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. (GA)

While shopping for a loan to refinance my current mortgage Equifax has reported multiple inquiries separately instead of a single inquiry, they are doing this even though they occurred within a 45 day window. 
I need this corrected due to it adversely affecting my credit score. 
I have tried on numerous occasions via online disputes, letters, phone calls and with a credit repair agency.