davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXX {$190.00}
Consumer complaint received 2020-04-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I moved out of XXXX XXXX XXXX  XXXX in XXXX of 2019. In XXXX of 2019, I received a bill for damages for {$100.00}. I was not aware of any damages, so I asked them to provide proof of the damages and I would happily pay them. XXXX XXXX XXXX  XXXX informed me that they could NOT prove there were any damages and couldn't provide any proof of damages. I asked them to withdraw their request for payment due to it being fraudulent and false, and they refused, even though there are NO damages. They then sent me to collections ( Fair Collections and Outsourcing ) who then reported me to all three credit bureaus and severely damaged my credit. Attempts to contact and explain the situation to Fair  Collections and Outsourcing were met with a repeated response of " pay or we will damage your credit further ''.
Consumer complaint received 2020-03-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PCR Group (IN)

The collection company sent me documents stating I owe a debt, but as I realized the debt owe isnt accurate. The estimate done by XXXX XXXX XXXX is false. XXXX XXXX XXXX XXXX paint home 4 walls 2 coats ( {$1200.00} ) But the the RTI home inspection from XXXX XXXX say whole house painted interior double coat ( {$1200.00} ) is also false signed off by a former Property Manager ( XXXX XXXX ) The photos circled in the report isnt of my house but the collection agent by the name of ( XXXX XXXX ) from ( Account Adjustment Bureaus ) told me on a recorded call that the Vice President of XXXX XXXX verified that the photos was of my home, when I asked for his/her name she said she cant disclose that information. I have the pictures circled that do not belong to me with the exception of one ; it shows the front entrance which isnt the same as the front entrance next to my entrance picture with the orange walls, theres also a bathroom circled that isnt my home, I can tell because the sink tile is different and the cabinet is darker, the other photo, that area wasnt in my home at all. Last but not least the company ( XXXX XXXX XXXX ) IS NOT A REAL COMPANY located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its the address of someone private home they have no idea who this company is at all. Please understand Im a XXXX XXXX XXXX and I was able to retrieve additional information, but the nonexistent company can also be looked up by anyone. The phone number is also fraudulent ( XXXX ) XXXX XXXX no such company exists in XXXX XXXX or anywhere else. I believe this is a scam and I will like to pursue further information on where this estimate actually came from, why did a property Manager sign off on a fake company estimate and why did the Vice President of XXXX XXXX make such a false statement? I will be reaching out to the Vice President and other parties of XXXX XXXX with all details, paper work and information collected.
Consumer complaint received 2024-10-29
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. (IL)

I am a victim of identity theft and I would like all accounts removed from my credit report TRANSUNION 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 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I paid for a full membership with my Chase credit card for an XXXX XXXX XXXX membership. Before the 30 day trial membership was over I contacted XXXX XXXX to cancel my membership. I made an appointment to meet at XXXX XXXX  and returned my key fob and was told that I would receive a full refund. I was told it would take a few weeks to show up on my card. Later I was told by XXXX XXXX that I was not to receive a full refund, but a partial refund would be allowed. Then I was told no refund. I contacted Chase and disputed the charge on XX/XX/XXXX. Chase was aware that I was out of the country and was to receive all my documents through their website login. Instead of posting documents and letters through my login they mailed important time sensitive documents request for me to respond to the dispute by XX/XX/XXXX. I received the letter from my daughter who was checking my mail. I uploaded and sent through secure message all documents requested to prove my claim before the XX/XX/XXXX deadline that Chase gave me. Chase denied my dispute on the XXXX of XXXX the day before the deadline to provide Chase with the documents they requested. I was not even aware of the denied dispute until I called Chase XXXX the XXXX to check on the status of my claim. After a lengthy phone call to Chase on XX/XX/XXXX I was told that my dispute was denied because I did not respond to the documents request. I told them I did through secure message and they admitted that nobody had even reviewed my documents. I asked for a department manager and then another manager that was over the disputes department. Finally I was told that Chase would reopen the dispute and review everything that had happened. The department manager I spoke with said that I had a very good case to dispute the charge and that it sounded like the disputes department mishandled my case. On XX/XX/XXXX I received another letter through my Chase login account that said they they've confirmed the disputed charge was valid. Without any explanation Chase validated the disputed charge. I sent them several documents showing that XXXX XXXX 's response to the claim was false. I have sent messages asking for Chase to reopen the dispute but I get no response. I've asked Chase to investigate the dispute departments handling of the dispute with no response. I believe that they mishandled it from the very beginning. Chase took the easy way out and just validated the charge even though I have proof that the charge is invalid. My complaint now is that Chase had no right to validate the disputed charge. And Chase has not provided me with any documentation as to why they have determined the charge is valid.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have XXXX accounts on my credit report showing balance and they are paid off. I have submitted paperwork proving they are paid off and still show open with a balance. 

The credit reports are not being reported correctly causing me many issues. 


XXXX XXXX XXXX  Balance {$42000.00} Balance updated XX/XX/year> XXXX XXXX {$36000.00} Balance updated XX/XX/year> 2024
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (TX)

On or approximately XX/XX/XXXX XXXX XXXX requested an indemnification letter to be sent to TD Bank to send back {$15000.00} stolen from my account. XXXX XXXX  told me the process would take approximately 60 days. However TD Bank has not responded to the letter. Case number XXXX 
Thank you XXXX XXXX
Consumer complaint received 2020-04-07
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)

Equifax and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$230.00} on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I cancelled this account well within the time allotted per the contract but they continued to charge the account. The representative I spoke with at XXXX assured me that this was their error and that they would correct the issue. The representative also assured me the account was in fact closed and in good standing and that this account would not go to collections. There is no outstanding balance due and therefore nothing to collect/chargeoff. I never received any correspondence from XXXX that this account was allegedly in jeopardy. I did not know this account had even gone to collections until I obtained a most recent copy of my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have called XXXX and I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (NJ)

I have been trying to make a transfer from my bank account to another person using XXXX. my underlying bank account is at PNC. PNC would allow me to transfer money FROM XXXX to myself, but will NOT let me transfer from my account to another person. In other words, PNC is fine using the app to take more money, but is not fine using the app to allow me to transfer money. 

This has been going on since last week, and is inhibiting me from paying rent, utilities and other local vendors. I have called, emailed and XXXX   PNC and aside from telling me to re-verifying my account, they have told me they are unable to help. XXXX places the blame squarely at PNC. Further, there are a number of articles suggesting that this issue has been going on since 2019, and it is a way for PNC to steer people to its own proprietary platform. 

I can't seem to get my bank to help me, and especially with the branches closed due to COVID, they are essentially holding my money hostage.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc. (WI)

On XX/XX/2020, I was alerted to a change in my credit score. I saw Santander Consumer USA, via XXXX, checked my credit report, without me contacting them prior. On XX/XX/2020, I called the company 's ' support line ; however, the company would not accept my calls, since I wasn't a customer. Basically, all options from the robotic call center were for customers, and I could not get in contact with anyone.
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint against : XXXX  ; XXXX  and TransUnion. Each is reporting incorrect information on my account. XXXX they have inflated the balance of my accounts @ {$50000.00}. Additionally, I have repeatedly tried to have my credit freeze temporarily lifted so that Social Security can verify my identity and I can check my account, to no avail. I have written, called and complained, to no avail. Each of the reporting agencies indicate I am delinquent on my XXXX XXXX Credit Card, My XXXX  XXXX Credit Card, and my XXXX card. Each of these cards has a {$0.00} balance and have never been late. Further, ( 4 ) XXXX Credit Cards fraudulently obtained in my name were forgiven by XXXX and written off. I never benefited or used any of these cards nor do I have them in my possession. None of these cards have a monthly payment and I have never been late with any such payment. I never made a payment on these accounts. You can imagine the havoc this is playing with my finances.
Consumer complaint received 2020-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (FL)

XXXX XXXX is trying to collect t a debt that is not kine the dont have no copy of my identification or driver 's license to says that's my debt they are in violation of the fair credit reporting act and the fair debit collections act
Consumer complaint received 2020-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (AL)

Sadly on XX/XX/2019 my husband passed away I notified the social security administration on XXXX the representative informed me that his last check for XXXX that was deposited on XXXX would have to be sent back by the bank and issued to me ( the beneficiary ) and that anything owed to the bank I would pay once the check was sent to me. He said that they could not pay someone if they were not alive on the date the check was issued. The bank never sent the check back to Social Security. After many attempts to get this resolved via phone calls emails and in person the bank never released the hold on the check The social security office said since they would not release the check I needed to contact the US Treasury Dept.  I was grieving for my husband of almost 30 years and this was nonsense ... I then received a letter dated XX/XX/2019 from the bank stating account closed with a negative balance of XXXX. Then I received another letter from the bank dated XXXX stating account closed with a negative balance of XXXX. How could that be when it was supposedly closed on XX/XX/XXXX with a XXXX balance. They charged me XXXX per day for continuous overdraft fee after the account had been closed. Again how could that be? Now I have just found out that my GA dept of revenue tax refund was sent to this " closed account '' and they kept most of my money and cut me a check for the difference and I'm not even on the bank account. They never would speak to me because I was not on his account but they didn't have a problem keeping money that was in my name. I called the bank to let them know that the refund was sent to them error and after speaking with 2 people in the ACH dept I was told that there had been no activity on that account and that the refund check would be sent back to GA Revenue Dept. because it was a closed account. I received a call from the revenue dept and I was told to go to the bank and then call them so they could tell us where the check went to since it had been almost 2weeks and  the bank said they didn't have it and the revenue dept never got it back. I went to the bank and the lobby was closed drive thru only I reached out again to the bank and was transferred 5 times and then put on hold for 56 minutes and then it was XXXX and nobody answered. Someone needs to make banks accountable. This is NOT acceptable. I have more documents to verify everything in this complaint
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, XXXX XXXX XXXX is incorrectly reported. XXXX/XXXX  XXXX is incorrectly reported. XXXX XXXX  XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX  XXXX XXXX, Unauthorized and demand strict proof. XXXX  XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.
Consumer complaint received 2020-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (IL)

I am writing to complain that Citi doesn't make prompt payment and negotiation for the opening bonus as stated in their promotion package. I opened an account package in XXXX, XXXX ( with told by the banker for the {$400.00} opening bonus if meet the requirement for maintaining XXXX deposit for at least 60 days ). I met the requirements on XXXX, XXXX and was told that I would be paid within 90 days. After 90 days, I have not received any bonus so I followed up with Citi. They opened an investigation case on XXXX, XXXX and confirmed that I was eligible for the bonus ( See attachments attached ). I communicated with Citi with this investigation result, but up till now I have not received the opening bonus yet. Now, I am writing to claim for my rights : The opening bonus {$400.00} as soon as possible.
Consumer complaint received 2020-03-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I have been filing dispute with Equifax for over 3months now. Im a Veteran, I recently returned from Overseas duty station ( XXXX ). While I was overseas I used to have a Pay as You go cellphone plan with XXXX. Since returning, I have been harassed by a collection agency, for unpaid cellphone bill from XXXX ( XXXX $ ). Despite multiple attempts, the collection agency has refused to Validate their claim. They keep sending Invoice to Equifax. I have submitted over 8pages of affidavit and evidence with the dispute application. Equifax keeps enabling fraudulent collections by lowering the standard of proof for the collection agency. Equifax keeps sending dispute results stating Ownership of debt has been verified by lender. Which Is a complete untruth. Invoice is not proof of ownership or liability. I have emails with admissions from original creditor, that they do not have a contract signed by me. Furthermore, collections against XXXX XXXX Servicemembers without a court order is a violation of the ( SCRA ) Servicemember Civil Relief Act. Equifax is playing an equal role along with a disreputable Collection Agency, in attempts to take advantage of Military Servicemembers, Veterans and family members returning home. This type of business practices by Equifax and collection agencies, is the main reason Veterans have a hard time adjusting to civilian life and later leads to rage and emotional breakdowns. Filing a Civil Suit is not an easy process, and most times people of lesser means dont have that option. Collection agencies are well aware of that fact, and they take maximum advantage. The collection agency in question has refused to show proof of debt ownership. When I disputed the claim with collection agency ; the collection officer explicitly stated that paying XXXX $ to him will be the easiest and fastest way to close the case, and if I were to keep asking for Validation, he would take as much time as he needs to address the issue. I have never received any Credit service from any European financial institution. I have never entered a contract with the Cellphone service provider. I canceled the cellphone service in accordance to XXXX and SOFA Outprocessing guidances, I have provided several documents proving my dispute ; Equifax didnt even look at the documents.
Consumer complaint received 2020-03-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (MI)

Company name is now called Phoenix Financial Serv. Prior company named was XXXX XXXX. They keep changing names of company so it will impact credit negatively. I know this due to the phone call i recieved from the company. They do this so credit scores will not be able to rise due to an old debt, but looks like a new debt to credit agencies. all because they keep changing name of company. Its not supposed to reflect negative on credit if the debt is over 2 years old. Its a shame that because i went threw a hard time no health insurance, that I have had negative items on my credit for almost 7 years. How can one ever get ahead if there are companies acting out with gray business practices? This has been going on for 7 years now on my credit, they have changed names atleast 4 times. they do this to the people that are unable to pay very old debts. An agent for there company told me that some 5 months ago when attempting to collect the debt.