davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-28
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. (FL)

Im filing this complaint because after checking my credit report in XXXX I sent Experian a letter with all the the information that did not belong to me along with proof of identification. 



ACCOUNTS : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX  XXXX XX/XX/XXXX They have completely ignored my request and have removed anything from my credit report. Nor have they responded to any of the mail I have sent them on more than one occasion. 

Can you please have them update my credit report with the correct information. I filed a new FTC report because I could not find the old one. 

when I spoke to representative of Experian they let me know that I needed to attach that affidavit to this complaint.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have a credit card with XXXX XXXX. I am not disputing anything on my credit reports in regards to my card On my XXXX XXXX report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my XXXX XXXX XXXX with XXXX XXXX. On my Equifax regarding the same XXXX XXXX Account. The remarks section says " Consumer disputes this account information ''. The remark section should be blank. I am not disputing anything with XXXX XXXX
Consumer complaint received 2021-11-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MA)

My signature was forged on a lease release agreement form. This form was sent to me by the XXXX XXXX group on XX/XX/XXXX to extend the lease beyond my intended moving out date. I was asked to sign this form many times but I declined. After I moved out, the XXXX XXXX group claimed I owed rent for an additional month. I disagreed, as I had never signed this form. They nevertheless assigned a debt collections agency ( I.C. System Inc based in XXXX XXXX MN XXXX ) to collect the supposed debt. When I requested the debt collections agency to verify the debt. they sent me the lease release agreement form. To my shock, they have forged my signature on the form with a date of XX/XX/XXXX next to my name. I can prove in multiple ways that this is not valid. For one, the signature looks nothing like mine. For another, I have email records from XX/XX/XXXX ( after the date that they falsified my signature ) from the XXXX XXXX group requesting me to sign the form.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a car lease with XXXX XXXX XXXX XXXX  XXXX XXXX. I am not disputing anything on my credit reports in regards to my car lease. On my trans union report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my car lease with Trans Union. 

On my XXXX regarding the same XXXX XXXX XXXX XXXX account. The remarks section says " Consumer disputes this account information ''. The remark section shoul be blank. I am not disputing anything with XXXX XXXX XXXX.
Consumer complaint received 2018-08-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (SC)

Previous filed complaint, Wells Fargo denied, mislead and increased my mortgage paper on a modification where I had to sue them in court. They made my payments where I could not afford to pay it back while changing the term of my loan to an unreasonable remaining term.This was fraudulent and deceptive practice on an FHA loan that was government insured with mortgage insurance. They actually profitted by illegally foreclsosing on my home and breaking the law on loan modifications. 

This sled to me filing bankruptcy which ruined my credit and denied me jobs, lost of my children, lost of my home and ruin my life.
Consumer complaint received 2021-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

I had a deposit in to Chime account on XX/XX/XXXX at XXXX. Transaction ID number is XXXX chime close my checking account without any notice they never alerted me to the deposit of the amount of {$1100.00} that was made on XX/XX/XXXX they closed the account XX/XX/XXXX. Through research of my own the institution that deposited the money into the time account told me where my funds had been deposited after being lied to several times by time they are now saying that I am not eligible for a refund due to something in there agreement. I have went above and beyond trying to work this out with them they lied to me about XXXX weeks ago well it was XXXX the XXXX around that time and told me that I had a refund check from the account on the way that it could be up to 30 days before it was issued. I called today XXXX the XXXX and now they're trying to tell me that there will not be a refund check issue. They close my account for no reason but they are trying to say in the email I received that they decided to end their relationship with me at this time. I have been studying and researching cases online through chime and I see that there's over XXXX complaints since XX/XX/XXXX of XXXX against chime and there's several lost and found against them. I am asking that you guys do the next step in the legal process of helping me receive the funds that chime has stolen from my account. Thank you.
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

I open and received a new credit card : CITI CUSTOM CASH. I applied for it in advance anticipating a purchase I wanted to make. I have a summer home, and used it as my credit card address. 
I received a notification that I have to call a number because they detected a " suspicious activity ''. I called, and the only way to unlock my account is CITI to send a letter to my home address which I can't obtain because I'm NOT at my summer home right now. It would also take a long time not appropriate for my purchase. I asked to close my account which is also impossible according to CITI. I never heard of anything like that which is very concerning. 
CITI Customer Service is HORRIBLE with hours holding. They use off-shore representatives, speaking to the XXXX customer service is impossible due to wait time. All representatives are rude, especially ones in the " XXXX XXXX '' ( name : XXXX- a supervisor ).
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (TN)

Hyundai continues to report inaccurate, inconsistent, false and damaging information on my credit file. I have given them multiple opportunities to correct errors on my file and they have failed. My actions have included emailing and calling multiple executives in the organization. It is not my responsibility to identify the inconsistent data for them. I demand this tradeline be " DELETED '' immediately as this has been investigate and reinvestigated multiple times and still contain errors. I have taken multiple financial hits due to their inability to report data lawfully in accordance to FCRA. 

In review of the attached credit file downloaded today from annualcreditreport.com, attached file XXXX 3, you will see 30 day late reported XXXX 2019 and on the attached file XXXX 1 you will see 30 day late reported XXXX 2019 with inconsistencies being XXXX. 

I am not reporting this for a tradeline update. I demand the tradeline be " DELETED '' immediately for failure to comply with laws.
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (NJ)

I am submitting a complaint because there have been multiple violations against from the credit bureaus, I sent several letters and I have yet to hear anything and it has been over 30 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying secure financing for a property and this is becoming a heavy burden on my personal family Life.
Consumer complaint received 2021-11-28
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. (GA)

I have filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I haven't received any investigations results.
Consumer complaint received 2021-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (CA)

As I called to get more information about this medical debt reported on my credit report that dropped my score XXXX points. XXXX XXXX XXXX explained that it could be issued by error on their part. The charges were made on XX/XX/2020 at XXXX XXXX XXXX and apparently it was a XXXX surgery on XXXX XXXX and the party was billed for the anesthesiologist bill was never paid. 

I have never been to this place nor have done any surgery on my XXXX, nor do i even LIVE in this area! This was incorrectly reported on my credit profile and is now hurting my credit reporting XXXX score. 

This is unfair that the medical billing and collections agency, try to put anyone responsible for others bad debts. This is affecting my ability to close on my home loan!!
Consumer complaint received 2021-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I received a letter saying I didnt have wind insurance on my house. I called the number on the letter and spoke with a representative of the company, who investigated my current insurance and assured me that I indeed did have wind insurance. She said it was probably an oversight and they would fix it. Yesterday I received another letter saying my payment was going up because I didnt have wind insurance when they know I do!!!
Consumer complaint received 2021-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I am making this complaint for myself. RESURGENT is not an original creditor. This debt does not belong to me and I've never done business or entered into an agreement with this company. RESURGENT RECEIVABLES LLC harmed my credit reputation by reporting negative collection on my consumer report which is a violation of 15 USC 1692d ( 1 ). RESURGENT RECEIVABLES LLC furnished deceptive forms and pursuant to 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Failure to comply with 15 USC 1692j and 15 USC 1692d ( 1 ) makes RESURGENT liable under 15 USC 1692K, {$1000.00} per violation. Also valuable consideration was never given in regards to my PII and I need to be compensated for the usage of my information. All of my personal identifying information ( PII ), location information, and private property including signatures/autographs hold a value of {$5000.00} in this matter.
Consumer complaint received 2021-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was involved in a XXXX scam involving a rental property, with the scammer posing as the owner of the house, XXXX XXXX. XXXX XXXX is a real person and did actually own the house until recently. {$8000.00} was scammed from me. The first payment was XX/XX/2021 for {$2000.00}. The second payment was XX/XX/2021 for {$1500.00} then another on the same day for {$500.00}. Payment XXXX was XX/XX/2021 for {$2000.00} and the final payment XX/XX/2021 for {$2000.00}. I filed a claim with Bank of America, XX/XX/2021 and with the FBI, XX/XX/2021. Bank of America rejected the claim for the scam on XXXX XXXX XXXX XXXX citing " Our records indicated that we completed the transfers according you provided us, and therefore no error occurred. '' I believe I am protected under Regulation E, part of the Electronic Fund Transfer Act, that requires banks to refund consumers for fraudulent transactions on their accounts. The Consumer Financial Protection Bureau saying the law applies " if a 3rd party fraudulently induced a consumer into sharing account access information ''
Consumer complaint received 2021-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX IS FRAUDULENT STATING THEY HAVE NO INFORMATION ON MY CREDIT PROFILE. THIS IS OUTRAGEOUS. THEY ARE NOT CORRECTING DELECTING INACCURATE INFORMATION DELIBERATELY. I REVEIVED Five letters stating they don't have information to correct when I see on various credit reporting agencies the false information they continue to put on XXXX dispite proof by creditors that's duplicates and accounts are paid ie XXXX  XXXX XXXX XXXX XXXX etc.
Consumer complaint received 2021-10-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (TX)

I have been building my credit the past 2 years. I opened a Grain account about a year ago and the payments are set to automatically draft from my account. I just received a credit alert stating my credit score dropped 40+ points. I logged into the Grain app and it says my bank account disconnected from the app. The money is and has always been available. I have not received any notifications from Grain to notify me the payment was past due or there was system issue that my bank account to disconnect from the app which caused the payment to not draft successfully. This is absolutely unacceptable as consumers should not have to pay for this companys mistake. This can make or break ones credit worthiness as I am in the process of trying to buy a home. This company is affecting peoples livelihood and the whole purpose of their service is to build credit. They require you to link your banking information so the payments can be automatically drafted. No attempts were made to contact me or notify me of a system issue as I was expecting the payment to automatically draft as usual. The purpose of ACH payments is to avoid late payments. Their system failed me.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX Bankruptcy XXXX furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Closing Date XX/XX/17, Court/ US BKPT CT NJ XXXX XXXX furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Court/ Federal There is inconsistency furnished across the bureaus and incorrect dates.
Consumer complaint received 2021-10-17
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Professional Debt Mediation, Inc. (FL)

PROFESSIONAL DEBT MEDIAT at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$6600.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2021, I attempted to transfer 61,000 American Express Membership RewardXXXX points from my Amex account to my XXXX XXXX account. When I clicked the " transfer '' button, the transfer was executed twice, so 122,000 points were deducted from my account instead of 61,000 points. 

I immediately called American Express to note this discrepancy and asked for the transfer to be reversed. The first customer representative I spoke to told me that I had requested two separate transfers, and that transfers could not be reversed. I emphasized that I had not requested two different transfers and asked to escalate the issue. I spoke to a manager, XXXX, who also reiterated that the transaction could not be reversed, and said " that is a bummer '' when I described the issue to her. 

She then began to ask me about other transactions on other cards, and said that she could not add additional points beyond 10,000 points, which I rejected as insufficient restitution. She told me that she would open case XXXX within American Express 's investigation department, and that the investigation would take 6-8 weeks to resolve.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (GA)

CONVERGENT OUTSOURCING, INC. placed a collection on 2 of the credit bureau XXXX and XXXX claiming I owe {$1700.00} from XXXX. They placed it on my credit file on XX/XX/XXXX, when it fact the debt was settled with XXXX for {$430.00} back in XXXX. Every year this company change the dated as if is new XXXX  and placed it has a new account to the credit bureau. I never received any communication from this company. Back in XXXX, another collection agency reported it and XXXX and XXXX deleted it from my credit file. I do not owe this company the amount they are reporting no di I owe XXXX that amount either. I am placing a complaint against this company for reporting inaccurate information on my credit file with XXXX and XXXX.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX XXXX XXXXXXXX please remove or delete any other spelling of my name it is name correct. 
I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be removed : XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX  OH, XXXX, XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX,