davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-24
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)

I have been having issues with my personal information of my credit report not being accurate. The following addresses on my report are not mines. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
Please remove the following addresses : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX My current employer is : XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, Please remove any variations IMMEDIATELY. They are not accurate.
Consumer complaint received 2018-07-24
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. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX card svc FAC customer service XX/XX/XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX These inquiries are on my credit report due to idententy theft and fraudulent activity. I would like these inquires immediately removed from my credit report as it is fraud. I have filed a fraud/ identity theft report through XXXX county police depart in Texas XX/XX/XXXX case # XXXX
Consumer complaint received 2017-07-05
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. (FL)

Since XX/XX/XXXX I disputed erroneous trade-lines reported by XXXX XXXX to the credit bureaus. XXXX XXXX said they sold the account to XXXX XXXX because it was charged off on XX/XX/XXXX for {$310.00}. However, I paid XXXX XXXX on XX/XX/XXXX to delete the debt from my credit reports which they granted. Despite that, XXXX XXXX refuses to remove the negative information off my credit reports.
Consumer complaint received 2020-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MD)

On XX/XX/2018 I was admitted to the emergency room. At the time of admittance I informed the Hospital and provider with my Maryland XXXX information. They subsequently billed XXXX for the services provided in the amount of n {$970.00}. However according to my XXXX XXXX XXXX, XXXX XXXX, the claim was submitted incorrectly by provider XXXX XXXX   and as such was not paid. 

Now Online Information Services on behalf of XXXX XXXX is attempting to collect this amount from me and have placed a negative entry on my credit file. Which legally I can not be billed for this amount due to their error in submitting the claim. 

I have called and written to Online Information Services repeatedly informing them of this and supplying them with documentation from the Maryland Health Department, verifying that I was covered by XXXX and that they can not come after me for this bill. 

Despite being informed of this on five separate occasions they will not close the account and continue to report it as Valid when I dispute it with the Credit Agencies. I have contacted XXXX XXXX and they have told me that they informed Online Information Services that this should not be an open account and again they refuse to remove the entry on my credit file. Which is damaging my score and hindering me in obtaining credit.
Consumer complaint received 2018-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I received a text from XXXX claiming to be from Chase directing me to what looked like the Chase website ( http : //www.chasexp.co/l ) I was asked to enter my account information and answer security questions to unlock my account, which I did. On XX/XX/XXXX I saw my savings account balance was short {$4000.00} and immidiately called Chase. I was told that on XX/XX/XXXX & XX/XX/XXXX {$4000.00} was transferred out of my savings account via the Chase-XXXX  XXXX app. It was supposedly sent to my mother XXXX XXXX at XXXX XXXX  XXXX. I did not initiate or authorize these transactions and after checking with my mother she never received any notification of these transactions nor any deposits. I will include her bank transaction history to show this ( and she has had the same account for years. ) When I filed the initial fraud claim with Chase I had not connected the XXXX message and the fraudulent account access. 
I have filed a reports with FDIC ( ref # XXXX ), FTC ( ref #  XXXX ), XXXX PD ( report # XXXX ), XXXX XXXX County Sheriff ( report # XXXX ), FBI - IC3, Federal Reserve and a claim w/ Chase ( claim # XXXX ) I have copies/confirmations for each agency. 
Chase at this time has said that the transactions will not be reversed because they believe the transactions were authorized from my device. This is not the case. I believe my IP address was used after being obtained via the false XXXX. I do not believe that Chase is taking this seriously at all but I will be opening a secondary investigation with Chase & submitting the additional information &  documentation I now have. Upon looking into this further I discovered that the text message I received was from a cell # from XXXX XXXX ( XXXX ). Also while looking into my cell phone records I have found that I received one of these phishing text once a month usually on or around the XXXX. Prior messages claimed to be from XXXX XXXX and not having an account there I dismissed the XXXX  and completely had forgotten by the end of the next month. When I received a message claiming to be from my bank, Chase, I assumed it was legit ; not remembering the XXXX XXXX messages until now. 
As well as the 2 trasactions for {$2000.00} each thru XXXX, there were 2 online transfers from my savings account to my checking for {$2000.00} during the same 2 days. I believe whoever is behind the fake XXXX transactions also initiated these online transfers. Again I did not initiate, authorize or even realize there had been 2 specific online transfers ( not made by me ) until getting my transaction history from Chase. I believe that Chase needs to look further into where those online transfers originated as well find out where exactly the transactions went to since their information of XXXX XXXX is incorrect.
Consumer complaint received 2017-07-05
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (UT)

I have been contacting XXXX XXXX sine XX/XX/XXXX I was final advised that an older will had been provided by one of my siblings. This plus the proof a appointment as personal representative. As of XX/XX/XXXX they still have not accepted the court forms from the Utah State First District Court.
Consumer complaint received 2018-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: E. A. Uffman & Associates, Inc (LA)

XXXX XXXX XXXX has been reporting and damaged my credit report says I owe {$2300.00} for something that they say I rented on XX/XX/2016 from a company called XXXX  and I have not I have disputed this collection many of times as not mines identity theft with the credit bureau and they still says I owe this account I have requested proof of this account that they say belongs to me and the information I received is unverifiable the address they have does not belong to me the telephone number is not mine nor does it has my signature I don't understand how they was able to even report this under my credit report
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MO)

Ever since I opened Chase Prime credit card I have been having issues with them attaching someone else 's checking account to pay my bills. I have NEVER given them written, oral, or electronic permission to access someone else 's account to pay my bills. I have complained about this numerous times and walked through correcting it over the phone with their customer service department beginning in XX/XX/2018 and it continues to be an issue. My XXXX bill was paid by another checking account instead of mine. I called in and asked them to immediately reverse it and charge mine instead. They can not get this corrected and the bill remains unpaid. They have completely ignored my complaints, charged me interest and fees, and won't address this problem with their IT department. Now they have frozen my card. I WANT TO pay my bill, but they won't fix the problem that is preventing to be paid. They are in denial that they have an IT issue, so instead of fixing it they just erase or they don't record my calls!
Consumer complaint received 2018-07-23
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: EQUIFAX, INC. (MA)

Federal Bureau of Investigation ( FBI ) vs. XXXX, Equifax, XXXX On several occasions I submitted a complaint through the CFPB without any successful resolution. I now provide the FBI investigation against the findings of XXXXEquifax and XXXX. I have also submit an investigation by XXXXXXXX XXXX to the FDIC. This complaint will have a different outcome hopefully should the three credit bureaus do not remove negative information provided by the XXXX XXXX XXXX XXXX ( XXXX ). I did not realize that through my Congressman the opportunity to place this in front of the Congressional Oversight Committee is available to me. This is also a direct challenge to XXXX, Equifax and XXXX to ignore and dismiss an FBI investigation. This is a further challenge to the three credit bureaus to ignore and dismiss an investigation by the FDIC through  XXXX XXXX. Additionally, there may be many consumers on XXXX XXXX that have similar experiences. 

Remove negative information from my credit profile now!
Consumer complaint received 2018-07-23
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. (NJ)

This letter is in response to your letter on XXXX/2017 related to the debt referenced above. I have settled this debt and paid it in full. However, since this was done over 3 years after the property in question was short sold, paying off this debt has restarted the clock as to when the last action on the property took place to when the debt was paid.

I have paid this debt in full, and it has severely damaged my credit, and took away my ability to buy a house. I am requesting that you delete this account, since it is no longer open, and is paid in full, it will not harm you to now delete this item.

According to The XXXX letter reporting a derogatory account IS a collection activity, and after the debt is settled ALL collection activities must cease.

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary.

Furthermore, you have the ability to change the listing since you are the information furnisher.

Please forward your agreement to the address listed above. You have 10 days to respond to this letter. I will be in contact with you to resolve this matter ASAP!

I was tricked into paying off this account but the companies council. This was only months before attempting to obtain a mortgage, this showing on my credit report as recently paid did extensive damage to my credit worthiness. This account was well passed the SOL period where it should be affecting my credit report.
Consumer complaint received 2018-07-23
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. (MA)

Federal Bureau of Investigation ( FBI ) vs. TransUnion, XXXX, XXXX On several occasions I submitted a complaint through the CFPB without any successful resolution. I now provide the FBI investigation against the findings of TransUnion-XXXX and XXXX. I have also submit an investigation by XXXX XXXX to the FDIC. This complaint will have a different outcome hopefully should the three credit bureaus do not remove negative information provided by the XXXX XXXX XXXX XXXX ( XXXX ). I did not realize that through my Congressman the opportunity to place this in front of the Congressional Oversight Committee is available to me. This is also a direct challenge to TransUnion, XXXX and XXXX to ignore and dismiss an FBI investigation. This is a further challenge to the three credit bureaus to ignore and dismiss an investigation by the FDIC through XXXXXXXX XXXX. Additionally, there may be many consumers on XXXX XXXX that have similar experiences. 

Remove negative information from my credit profile now!
Consumer complaint received 2017-11-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: AAA Auto Title Loans, LLC (NV)

I have had loans with cash 1 in the past and always paid them off and never had a problem with them. I would always pay my loans on time and in full. A few weeks ago, I talked to cash 1 loans to let them know that I had XXXX recently and had to catch up on hours at work. I let them know that I was behind on my rent and other bills and wanted to lower my payments so that I could catch up on those and still play them. I went into cash one store to cut off my automatic draft out of my bank account on my current loan so that I could stop payments from coming out my bank account automatically. Also, I wanted to see if I could set up a payment plan so that I could pay a lesser payment while I get back on my feet. I have had friends that had similar situations with cash 1 in the past and they were allowed to set up a different payment plan and take off automatic draft. Even a week ago I had a friend that did. Cash one said they can not take of automatic draft and that I could only pay the installment loan full amount an nothing would be allowed. Please do not do business with this company because they will not work with you if something ever happens to you, even though they have done it for other people. I have never had any problems like this before, and am very disappointed in a company that I once had the uptmost trust in. This is not fair treatment. Two weeks ago I canceled my automatic drafts with my bank since I ca n't through cash one and wo n't be able to pay anything since they will not allow me to set up a payment plan for a lesser amount. Friday, I looked at my bank account and noticed they withdrew {$150.00} out of my account even though I called my bank and stopped the automatic drafts. Yesterday, when I called my bank they said that the original time cash one tried to draft the payment it did not go through. So my bank said cash one changed their numbers around to try to draft the money out of my account until it worked. My bank tried to stop it after it started processing but could not. They said it was taken out. I want to take off automatic draft and to make payments in smaller increments and pay it off but I do not know what to believe anymore. Please be aware of this company if something ever happens.
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

There was going to be a court-ordered debt Levy put on my bank from the Franchise Tax Board they gave me a certain time to pay it off I paid it off Wells Fargo still went ahead and charge me {$120.00} fee that they charge for such things and over drafting my account in doing so they took {$13.00} from my savings account to pay to put on to my main account then they over then they charge me a {$12.00} fee for that and now they overdrafted my savings account all all because of this Levy that was never really in put on my account
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (NC)

I opened a new BMO Harris account on XX/XX/XXXX using a promotion to receive a {$200.00} bonus after making at least 2 direct deposits of {$300.00}. 

I had payroll deposits from my employer ( XXXX XXXX ) three times for {$500.00} each. 

After waiting the 120 days required, I never received the promotional sign up bonus.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Pursuant to the Fair Credit Reporting Act ( " FCRA '' ) Title 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to the following ; " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' As such, please provide me with the details as to how the trade-lines listed above were verified. Specifically, I am seeking information as to the following : 1. The identity of the person who you spoke to on behalf of the original creditor ; 2. Whether any communication with the original creditor was in writing ; 3. Whether a UDF form used or whether this was made through electronic automatic dispute verification ; 4. Whether you contacted the original creditor at the same address/phone number listed on my credit report ; 5. The date of the commencement of delinquency ; and 6. The specific dates when these accounts allegedly became delinquent, and specifically when said items will be removed. Please provide the above-referenced information for each and every creditor listed above. As you are aware, Section 1681i ( a ) ( 7 ) requires that you provide this information within 15 days. ( " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' YOU HAVE NOT EVEN RESPONDED TO THIS REQUEST. Because of your inaccurate reporting, I have been deprived of a mortgage loan with terms that are acceptable or affordable. Specifically in regards to  the following tradelines. Public Record US BKPT CT NJ XXXX Chapter XXXX Bankruptcy XXXX This bankruptcy is not mine delete it immediately Account XXXX XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it
Consumer complaint received 2017-07-06
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. (IL)

I 've called and written in to XXXX XXXX XXXX several time in which I have proof of signature of documents sent. I have one XXXX card account however a duplicate account is appearing on my Equifax credit Report only. XXXX and XXXX have one account and the correct info etc. I have asked XXXX to review the duplicate account that reflects incorrectly a credit limit of {$300.00} with a balance of {$420.00} over the credit limit. In addition the correct account does reflect with my credit line currently at {$1100.00}. I have been disputing this information with both Equifax and XXXX and received response that the duplicate over the limit account is correct. However when I call into customer service I am told its incorrect. None the less after writting to XXXX Legal department and Credit Line department I received a letter dated for XX/XX/XXXX inwhich I am attaching a copy to this file. Its stating from XXXX that they found the account to be a duplicate and have notified the credit bureaus to remove the duplicate account. I have waited well over 30 days going currently 45 days at this point and time and no update have been made. I am in the process of seeing to purchase a home and the mortgage company is questioning about paying down my over the limit XXXX Credit Card. I am not able to because its not correct and this is killing my credit score per the credit utilization reporting. I have spoken to several supervisor at XXXX. The last supervisor was very helpful but finally called me on XX/XX/XXXX to informed there is nothing more she can do for me. This is unacceptable when clearly XXXX had admitted to fault and have not fix the mistake and hardship they have caused me. Her name is XXXX and her phone number at XXXX is XXXX direct. <P/><P/>thanks XXXX XXXX XXXX
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (VA)

Upon recent review of reports furnished by XXXX, XXXX XXXX XXXX, I noticed an unfamiliar third-party MIDLAND CREDIT MANGEMENT I have no business association with, in possession of my private non-public financial information without my consent. 
On XX/XX/2024 a Certified CEASE & DESIST notice XXXX XXXX XXXX XXXX XXXX XXXX was delivered to MIDLAND CREDIT MANAGEMENT exercising my right to privacy & to Cease all communication directly or indirectly through any mediums & pursuant to Financial Privacy Rule/Gramm Leach Bliley Act, section 6802 to Cease & Desist the sharing unauthorized possession of my non-public information within thirty days.

MIDLAND CREDIT MGMT has not produced competent evidence of my authorized written consent to be in possession of & the sharing of my non-public information within thirty days. 
I obtained updated credit reports from XXXX XXXX XXXX XXXX MIDLAND CREDIT MGMT has continued communication through the above stated mediums & maintains unauthorized possession of my non-public information without my consent.