davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-30
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, I have a new job that I recently started I had a chance to see my credit report and seen unrecognized addresses on my credit file. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2020-08-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In XX/XX/2020 I bought some teeth straightners from XXXX XXXX XXXX I went through getting XXXX XXXX and sent my products in and then the company agreed to send me the trays for my teeth but they never sent them. I then waited a couple of weeks and then contacted the company - they didn't respond. So, I reached out again and said that I would file a credit card dispute if they didn't respond. They then responded by saying they were not in a financial position to give me a refund and that they would send me my trays if their business got better and essentially we would let you know. I filed a credit card claim with Bank Of America In XX/XX/2020 they sent me a letter stating the would follow up with me by mail about the claim XXXX came no letter. XXXX no letter. I called and they told me they had 3 months by law and they were still working on it. I then sent proof of the emails from the company stating that they wouldn't pay and that I needed to be refunded they company still hasn't responded even though I've called and they do say they received my letters. They themselves told me that they had until mid XXXX to resolve this issue or it would break the law. However, the company XXXX broke the law and STILL has not responded. I need help!.
Consumer complaint received 2024-08-27
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. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX
Consumer complaint received 2020-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I submitted letters to all three credit bureaus, Transunion, XXXX, and XXXX, on XX/XX/2020 requesting information be provided to me authenticating 3 collection accounts listed on my credit report, including contracts or service agreements that I signed, in accordance with section 609 of the fair credit reporting act. None of the 3 bureaus provided me any information, merely stating that they validated the authenticity of the reports. I would like to see the signed contracts as I believe these accounts to have been made fraudulently. I opened a new dispute through XXXX XXXX on XX/XX/2020 with transunion with the claim of fraudulent accounts on the reports and again got no resolution, they merely closed the dispute.
Consumer complaint received 2020-06-11
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. (WA)

I am a long term Chase customer that was defrauded by a merchant. Chase has sided with the merchant that defrauded me without even asking me for any information or documentation. 

On XXXX I purchased an appliance from XXXX XXXX, an online appliance retailer. The total cost was {$1200.00}. 
On XXXX the item shipped. Upon arrival we immediately knew this would not work for our kitchen and requested instructions on how to return the appliance. 

XXXX ignored us and the return request until I contested the charge over a month later ( XXXX ). Their site requires you to go through them to get RMA details, so without their reply I was unable to do a return. 

After contesting the charge, they replied to our email saying to return it at our expense and they will refund approximately {$900.00}, keeping the rest claiming it was their cost shipping it to us. They refuse to document the shipping cost of over {$300.00} ( about 25 % of the cost of the appliance itself ), saying it's none of my business and I have to pay whatever they say I should pay. I contacted the shipping company and they would not provide documentation but confirmed that the number they were attempting to charge me was above the actual cost of shipping. ( XXXX XXXX, tracking number XXXX, ship date XX/XX/20, Bill of Lading # : XXXX, Purchase Order : XXXX ). 

Additionally, the XXXX 's site clearly states they will help set up a return shipment since appliances are large and typically ship via a freight carrier and not XXXX/etc. They also promise to use their negotiated rates which are less expensive than consumer rates. They have refused, saying it's not their responsibility. As such I don't have any idea how to actually return this item to them. ( Their terms directly state : " If the product you are returning or exchanging is an overweight or oversized item that was shipped via XXXX  carrier and you need assistance, please contact us and we will provide you with a shipping quote* to have your product returned. '' ) I have been defrauded by a merchant who has both tried to make returning a product within their policy difficult to impossible, and Chase took their side in the dispute -- without ever even reaching out to me to ask about the response or if it was even true ( there are several lies in the response from the merchant, which makes sense, they're defrauding me ).
Consumer complaint received 2020-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I am submitting a request and complaint to investigate my mortgage servicer Pennymac Mortgage Services address XXXX. XXXX XXXX XXXX XXXX, CA XXXX. I received a notice on or around XX/XX/XXXX from an attorneys office indicating I must pay a total of {$7000.00} as I will be subject to tax liens and even foreclosure. I am not sure what to do as I was away on XXXX XXXX  service orders the majority of the year of XXXX and my mortgage servicer has ultimately failed to practice due diligence and maintain my mortgage while away on military orders form XXXX XXXX XXXX, while also granting me a full year of protections without any penalty or threat of foreclosure. My mortgage company has offered me an addition forbearance period due to Covid-19 wherein I experience a delay in return to work due to the pandemic as the job to resume mortgage payments in which I accepted requires me to be in direct contact with customers however due to an acquired medical condition while XXXX has limited my mobility as well undergoing treatment has not allowed me to returned to work due to the recruiter for the role I accepted ultimately passing away due to Covid 19. The office is shut down and most employees have been furloughed. My mortgage servicers is fully aware of this thus putting me in a position wherein I can lose my house at anytime especially when I was delayed and currently undergoing treatment for a serious medical condition acquired while XXXX. Please help me as I am not sure what to do at this point. It may happen again this year as I have not received any tax notices however have been provided options when Covid 19 smooths over I can restore my payments even if a subordinate lien is an option but they clearly dropped the ball. It is not a matter of me not able to pay but they forced me into bankruptcy a year ago to protect myself from their unethical tactics as I placed them on notice I was leaving and XXXX  for military service and believe this is another way of them finding subverting and covert unethical and unlawful measures to foreclose on my home by any means necessary. Very Respectfully XXXX XXXX Reservist/Veteran XXXX XXXX XXXX.
Consumer complaint received 2020-08-30
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: ALLY FINANCIAL INC. (OH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-30
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: New Era Asset Management, LLC (TX)

On XX/XX/2019 XXXX-XXXX add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA. NEW ERA ASSETS has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Atlanticus Services Corporation (LA)

Fortiva Account # XXXX Dear Who ever this concerns, On XX/XX/XXXX I Disputed Fortiva Account # XXXX through the CFPB portal case # XXXX, because I thought this account should report as an installment loan instead of a revolving account. I was incorrect and Fortiva VERIFIED this account 100 % and mailed me the original contract that explains it would be an revolving credit card account. 
However, XXXX  decided to REMOVE this entire account from my credit report although Fortiva has VERIFIED this account and without my request. No other credit bureau has done such a thing. 

I have reached out to XXXX  multiple times and Fortiva multiple times and the account is still not reporting to my XXXX  file. I have paid this account and would appreciate if it could reflect my payment history greatly on my XXXX  file. 

Equifax claims it's an issue with Fortiva, Fortiva claims it's an issue with XXXX. I AM FED UP WITH THE IGNORANCE! I DEMAND THIS TO BE FIX WITHIN THE NEXT 30 DAYS! I NO LONGER WANT TO BE THE MIDDLE MAN BETWEEN THIS ERROR, I DEMAND FORTIVA AND XXXX  CONTACT EACH OTHER DIRECTLY! 

FORTIVA RESPONSE : CFPB Case number # XXXX. 
Dear Mr. XXXX : We are in receipt of your correspondence to the Consumer Financial Protection Bureau regarding your Fortiva Retail Credit account. Your correspondence expressed concern that you would like for your Fortiva Retail Credit account to be reported as an installment loan rather than a revolving line of credit. Our records indicate that on XX/XX/XXXX you opened a Fortiva Retail Credit account to finance a purchase in the amount of {$2400.00} with Vivint Smart Home. The Fortiva Retail Credit account is a revolving line of credit that can be used to make additional purchases with XXXX and accordingly is reported as such with the credit bureaus. Please note that prior to accepting the offer of credit you were presented with the terms of the account, including the credit limit and the cardholder agreement, which discloses that this account is a revolving line of credit. Please note that you may pay  more than your required minimum payment at any time to reduce the outstanding balance that is reported to the credit bureaus. We hope this explanation addresses your concerns. Thank you for being a valued Fortiva Retail Credit customer. Sincerely, XXXX XXXX On behalf of Fortiva Retail Credit* XXXX XXXX  XXXX  XXXX  is the creditor of the Fortiva Retail Credit account.
Consumer complaint received 2020-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (NC)

I requested validation of a alleged debt from Optimum Outcomes ... ... they sent me a letter with no date on to claim that that is their proof of validation, Yet OOI failed to include answer to the questions in my request for validation Pursuant to the Fair Debt Collections Practices Act and the Fair Credit Billing Act.
Consumer complaint received 2020-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have written several letters to Portfolio Recovery Associates asking them to verify 4 debts that they are requesting me to pay. All this company do is send me a bill with the amounts of XXXX, XXXX, XXXX and XXXX. I have asked them to send me documentation bearing my signature that this debt belongs to me. My last letter was dated XXXX and once again I was sent a bill nothing validating the debt. This violate my right under FCRA.
Consumer complaint received 2020-08-30
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: Bread Financial Holdings, Inc. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

My zales credit card was closed without my permission it has impacted my credit report negative during this period of covid 19 virus I think it is best for me through this financially difficult time not to be purchasing any jewelry that does not give a reason for comenity / Zales credit company to report closed to all 3 credit bureaus.
Consumer complaint received 2020-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

XXXX XXXX Citibank proceeded to decrease my credit limit. Reason not explained. Only explanation was they reviewed my credit report and used that information to re-evaluate my credit. I paid my credit down to be in good standing. Now it jeopardizes my credit rating as it puts me in a high credit usage standing. It creates an adverse credit score. I believe this was done on purpose to keep me in a high credit usage standing and provide an adverse credit score. This is not a good time for actions on XXXX  and for a COVID induced economy. Creditors should be grateful for people like me that have a job and havent missed payments and make payments. But then get penalized for a day late payment. Unfair practices. Its all run by a computer anyways ; there is no people involvement. Ive called the touchtone system to a series of just menu options. No human interaction.
Consumer complaint received 2020-08-30
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. (NY)

Upon viewing my credit report I found an inaccurate late payment from XXXX that was reported to XXXX XXXX, Equifax XX/XX/2019. I was never late on this account.
Consumer complaint received 2015-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ballybunion Enterprises, Inc (NV)

freedom furniture in XXXX, va. contacted my command repeatedly even after i returned the merchandise and secured a letter from the store manager releasing me from any contractual obligations as i was ordered by my command., contacted my command numerous times. this continued action caused me to be XXXX from the XXXX. they have filed numerous times with different account numbers on my credit report for the same contract i was told by the store manager i had been released from. they have filed with the court of virginia after i left the state post discharge for wage garnishment. they have continued to call, mail, and as of late even emailed my trying to collect on a debt since XXXX 1997. the account has been listed as charged off only for them to refile it under a new account number as a new account.
Consumer complaint received 2016-10-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (GA)

On XX/XX/XXXX I made an order online at XXXX, charged it to the debit card associated with my bb & t checking account. I realized I had done this and immediately and changed the payment method as it was supposed to go on another account for a family member. According to my check register, which i have to keep because bb & t 's online account info has always been misleading with their classification of pending, I had XXXX The order was for XXXX, and was marked as pendung unbeknownst to me. I noticed the pending discrepancy monday and contacted XXXX who confirmed that they had changed the payment and that they would not receive funds. Thinking the erroneous non charge would drop off, since it was already posted to the other account, i did n't act. I honestly had no inkling that bb & t would lock my account and post an overdraft fee with no pending status all in order to line their own pockets yet they did! When i called customer service I was bluntly and rudely told that amazon was in possession of the funds and that bb & t had nothing to do with the pending status-a blatant lie. Once I consulted documentation from bb & t and called back, I was eventually refunded the overdraft fee but the customer service representative was adamant that the funds would post the next day and I would be charged another. Of core bb & t 's pending status was released by the next morning and the funds were back in my account at the right amount. Even if id been given warning that the overdraft fee was going to be placed I would have made a deposit but they never assessed a pending status to it. Their practices are a ripoff, disreputable, and unscrupulous. In XX/XX/XXXX it was found that my grandmother who passed in XX/XX/XXXX had an open bb & t account of which we were not aware due to my dad XXXX 3 months after she passed. By the time we discovered this, because of social security scheduled deposits being suspended on death-which the bank had to have been aware of-monthly maintenance and penalty fees were assessed to a point that the remaining balance would n't buy lunch. Bb & t gladly accepted blood money and laughed all the way to the proverbial bank.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Mountain Run Solutions, LLC (PA)

I am very upset with this issue. I sent a letter to the collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Experian has my birth year as XXXX but I was born in XXXX. I have disputed this four times and it still hasn't been resolved. When I apply for credit and/or online banking, they say that they can not verify my identity. No one answers the phone when I call. They have an option to upload documents but it is inactive ( at least for me ). 

I have, also, disputed a collection ( 4 times ) on all of my credit reports. I paid it off. They said the investigation would take about 30 days but they come back after 5 days stating that the debt is accurate. The collection was removed from my reports. Then, put back. I feel like they are intentionally destroying my efforts to restore my credit. 

My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, MD XXXX Birthrate is XX/XX/XXXX