davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$260.00} XXXX XXXX  XXXX {$230.00}
Consumer complaint received 2017-04-21
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Eastern Management Group LLC (UT)

A complaint was filed by me against  Eastern Management Group  on  XXXX / XXXX /  XXXX  , which was received by the company, investigated, substantiated, and resolution is noted by the company. The employee had been terminated as part of resolution, and a cease and desist was in place as of  XXXX / XXXX /  XXXX  , per "  XXXX  '' at  Eastern Management Group o n  XXXX / XXXX /  XXXX  , as I had to call them after they contacted my mother about this matter, see the documents provided, on  XXXX / XXXX /  XXXX   around noon AFTER a cease and desist had been noted on the file on  XXXX / XXXX /  XXXX  . The employee at  XXXX   XXXX   XXXX  validated for me, on a recorded line, that this should NOT have happened, and all contact should have ceased on  XXXX / XXXX /  XXXX  .
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My credit card statement included a {$1500.00} bill for XXXX on XX/XX/XXXX. I didn't open the bill when it came because I hadn't used the card and knew I wouldn't have a balance. I returned from vacation and a hospital stay in XX/XX/XXXX, at which time I opened the bill to see charges that I didn't authorize. I contacted Bank of America. Bank of America said they would investigate. I was contacted a few weeks later by them informing me that the claim was denied because they said the purchase came from my device. I requested the IP address, and was told it would take a few weeks, but after not hearing from them, I contacted Bank of America again, and was informed that I would need a subpoena. I also requested information on the investigation but Bank of America refused to provide information. My credit card number was changed during the investigation as a result of attempted fraudulent activity. I contacted XXXX, who was initially unable to find the charges at all, but eventually was able to find the charges, and said it was on an email that does not belong to me. I did not authorize these charges. XXXX refused to give me the email that was connected to the account, but later stated that they have not received any money as a result of these charges. I have contacted Bank of America and XXXX to no avail. I filed a police report XXXX, XXXX.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I noticed unauthorized activity on my chase checking account ending in XXXX, via debit card ending in XXXX. Below are the fraudulent charges and status of each. 

XXXXPOS DEBIT XXXX XXXX XXXX XXXX AL XXXX ( chase credited account still under review by chase ) XXXXPOS DEBIT XXXX XXXX  XXXX XXXX TX XXXX ( Chase is stating this transaction was authorized and will be taking back the temporary credit, they provided a tracking number USPS- XXXX. Chase stated this was delivered to my billing address, upon checking the tracking number this is not my billing location nor a location that I know anyone. Chase refuses to intervene further ) XXXXPOS DEBIT XXXX XXXX  XXXX GA XXXX ( chase credited account still under review by chase ) XX/XX/XXXX POS DEBIT XXXX XXXX XXXX  XXXX XXXX CA XXXX ( chase credited account, but company reimbursed amount after investigation closed ) XX/XX/XXXX POS DEBIT XXXX XXXX  XXXX WA XXXX XXXX ( 4 charges ) ( chase credited account still under review by chase ) I wanted to provide all information as most are still under review, but the one that needs immediate action is 04/12/2020-POS DEBIT XXXX XXXX  XXXX XXXX TX XXXX ( Chase is stating this transaction was authorized and will be taking back the temporary credit, they provided a tracking number USPS- XXXX. Chase stated this was delivered to my billing address, upon checking the tracking number this is not my billing location nor a location that I know anyone. Chase refuses to intervene further ). 

I have taken steps to secure my identity included changing passwords, ordering a new debit card etc. It is clear that fraudulent can likely be traced back to perpetrator who used my information on their XXXX account, this should help bolster my claim but instead I was accused of 1st part fraud with no resolution. Furthermore my account has never been compromised, its certainly not new and I have never had an issue prior. Its a bad first impression using their fraud services.
Consumer complaint received 2020-05-07
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: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2020-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this due to non-compliance with the ( Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-05-08
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. (AL)

On XXXX XXXX i sent all 3 credit bureaus certified mail disputes of inaccurate things on my credit report and i have not received anything yet over 45 days now. my understanding if a investigation take more than 30 days all inaccurate information must be deleted from my credit reports.
Consumer complaint received 2018-04-11
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Loan was paid off last year. Received letter, check confirming overpayment. Bank of America refuses to removed loan from title report and release UCC. Second loan dates back XX/XX/2005, loan is closed. Loan was with XXXX XXXX and the loan was replaced by Bank of America after merger with XXXX XXXX. Title report reflects XXXX dollars on loans paid off. Bank of America refuses to remove loans and UCC FILINGS OFF THE TITLE REPORT.
Consumer complaint received 2020-05-08
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 receiving a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$170.00}
Consumer complaint received 2020-05-07
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: Experian Information Solutions Inc. (TX)

it Cards Inquiry date : 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 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 : 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 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 Tip 4 new inquiries have been placed on your credit report. 

all ftc violatons enclosed
Consumer complaint received 2020-05-08
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. (NJ)

I HAVE CONTACTED EXPERIAN ( XXXX ) XXXX ) BUT CAN REACH NO ONE. I HAVE REDISPUTED THE SAME ACCOUNT XXXX XXXX # XXXX, PROVDING PAGES OF DOCUMENTATION FROM XXXX AND MYSELF THAT THE ACCOUNT WAS NEVER LATE. THIS REFUSE TO ACKNOWLEDGE THIS. MY REINVESTIGATION COME BACK AS " REMAINS ''. I HAVE DISPUTED THIS SAME ACCOUNT WITH XXXX  AND XXXX  WHO UPDATED MY ACCOUNT. EXPERIAN HAS CAUSED ME EMOTIONAL DISTRESS! THEY ARE A FRAUD
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

There was a withdrawal of XXXX XXXX that I did not approve. I called and reported fraud, they asked me questions, I have reported it, and the pin number was on the card. My claim has been denied twice because they claimed they couldn't find out how the pin number was compromised. I already told the associate how it was comprised. The associate forgot to put that in the notes. The claim was made on XX/XX/XXXX, denied twice, based on a mistake of the bank 's associate. I called after to check it with the bank, an associate have informed me of a hardship program and my credit will appear in two to three business days, I did not recieve them. I called later and another associate claimed that he couldn't credit my account. It is taking too long and I haven't recieved any credit and it was the bank 's associate 's mistake. I didn't even get a temporary credit when I first reported the fraud, which I was supposed to. I need this claim resolved since it has been almost two months.
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am disputing a collection account by XXXX. This company is reporting an account balance due of {$150.00} for XXXX  for XX/XX/2020. I have disputed that this date is not accurate and I have have no knowledge of this account. I do not owe XXXX  nor do I owe XXXX. I have no past due balance with XXXX. I have never received any notification in the mail from either company. I believe that this company XXXX is reporting fraudulent information with fraudulent dates which is negatively impacting my credit for their gain. I request that they be removed my credit reports.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (PR)

XX/XX/2019. I opened a membership card of Costco,  XXXX, P.R. I was attended by cuatro service supervisor XXXX. She provided an I requested orientation related to credit card which I was very clear that I would not qualify due I was work king on fixing my credit and eventually on this same month I was going to join with my mothers account to upgrade my credit points. Over my knowledge XXXX proceeded with the request I was not sure of the questions she was asking so I answered everything understanding it was for the membership. After waiting a few minutes XXXX mentioned I didnt qualify for the credit card and proceed with the picture for the membership. I explained that I was not willing to request a credit card due to my previous explanation. After membership was done. I proceeded to call CBNA ( the credit card company ) and explain opened a claim with XXXX. He mentioned this will be documented and should not be reported to credit bureau due to dishonest behavior of the employee he mentioned also will report directly to the XXXX store. Today I see this negative mark in my credit report. I also join with CBNA bank afterwards with no issues. I want the bad mark removed.
Consumer complaint received 2020-05-06
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: PNC Bank N.A. (NJ)

Ms. XXXX and her colleagues are liars. They have already been caught contradicting themselves. 

What's more, Ms. XXXX stated she has confirmed that my application was received through pnc.com and not XXXX XXXX XXXX promotional link, yet she has failed to provide proof of such indictment ... STILL. 

This core deceptive 'bait and switch ' business practice is completely unacceptable. And since they still after all this time refuse to give me my credit, as promised, and won't even show documentation to back up their weak and unsupported claim, they are non-compliant with the UDAAP and the DoddFrank Wall Street Reform and Consumer Protection Act and they must be punished ...
Consumer complaint received 2020-09-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION (CT)

In XXXX, I took of a auto loan from Regional Acceptance. In XXXX I feel behind on payments. Regional Acceptance employed two men to repossess my vehicle. On Monday XX/XX/XXXX about XXXX XXXX   while waiting to go into work the two men blocked my car in when I was parked on the street and demanded I exit the vehicle. I was unaware of who these people were. I locked my doors. They men stated they were there to take the vehicle. At that time they said they would call the police and who would make me relinquish the vehicle. The man who called police told the dispatcher, " Its a 30 year XXXX male. '' Within 5 minutes about 6 patrol cars showed up. The Police surrounded my vehicle with their hands on their weapons. They instructed me that i must exit and turn over the vehicle or I would be forcibly removed and arrested. I was able to record the interaction on my cell phone. In fear for my life I complied and was told to leave the premises. The men then called for a tow truck and had it towed away. I contacted Regional Acceptance the next day told them what happened. Ive contacted them several times trying to get some resolve and I was told I would be called back or my complaint would be placed in a queue. The balance on the loan when reimbursed was {$27000.00}.
Consumer complaint received 2020-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IA)

XX/XX/2020 {$300.00} XX/XX/2020 {$68.00} XX/XX/2020 {$190.00} XX/XX/2020 {$50.00} XX/XX/2020 {$400.00} XX/XX/2020 {$100.00} I was purchasing different crypto coins in hopes of a significant ROI after the Bitcoin halving event coming up in two or three days time. My linked payment accounts were disabled when I tried to purchase XXXX  and XXXX  this morning early around XXXX XXXX. I called the XXXX number for help. The automated bot told me to push 1 on my keypad if I believed my account was compromised. So I did, now it's disabled. I've sent multiple messages for help. No human response. I've followed automated instructions to regain access to my account. I completed the verification of ID several times. That includes front and back photos of my driver 's license and a head and shoulders picture of myself. It claims to verify my ID within 5 mins. It does not, even after 30 mins. I've desperately tried multiple times today. I need help. This company isn't helping what so ever. I honestly believe they've stolen my investment, which was increasing in value. Thank you kindly, XXXX
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On account XXXX XXXX XXXX appearing on XXXX  and other bureaus that includes at least EXPERIAN, XXXX  AND OR XXXX depicted false information, it appears by removing information, so the account is inaccurate AND incomplete.The result made a 2008 fico XXXX score into a fico XXXX score.They have taken a paid collection and made it appear as an open current collection.COMPLETE PROOF IS ATTACHED. 
THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY AS IT IS AFFECTING CREDIT TRANSACTIONS IN THIS DAY.
Consumer complaint received 2020-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (SC)

I found about the debt on XX/XX/2020 Via my credit monitoring service. I immediately reached out to the collection agency and original creditor. Upon speaking with the fraud department of the original creditor they verified I never had an account with them. The collection agency credit management also verified they did not have the correct person I notified them I was victim of identity theft last year but they refused to remove the credit entry in my report.
Consumer complaint received 2020-05-07
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. (AZ)

Good day, My name is XXXX XXXX and I'm inquiring in removing the AKA 's ( Also known as.. ) names erroneously reflecting my credit reports. XXXX  is reporting an AKA as : XXXX XXXX XXXX which is extremely incorrect. Transunion is also reporting the following erroneous AKA names as : XXXX XXXX, XXXX XXXX, XXXX, XXXX I am demanding for these AKA 's to be removed IMMEDIATELY, they DO NOT belong to me, and neither am I going to let them remain on my credit report. Nothing has been done about this matter, please assist.
Consumer complaint received 2020-05-08
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: JPMORGAN CHASE & CO. (MD)

I got online to request debt validation from all three major credit reporting agencies in regards to a JPMCB account on or around XX/XX/XXXX I took screen shots of the original amounts and dates on the account when I requested the information upon completion of the investigation asking for detailed account information on this one particular account I noticed that the debt had been illegally re-aged I attempted to disputed the results of the investigation but was told that I couldnt do anything else with that account.
Consumer complaint received 2020-03-12
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: CITIBANK, N.A. (NJ)

i have been with citi for years many accounts. Recently their phone system has been changed and it INCONSISTENTLY recognizes your cc card when you use automated. I have lost much time due to this not getting info i need Today i called on card ending XXXX my cash returns and XXXX had me on hold. did not help I told her how frustrated i am. i wanted to pay a bit on my card and then DISPUTE an item i never received the XXXX   order I NEVER RECEIVED. we never got there. i hung up in disgust. Please fix phone system so it consistently recognizes the CC number in the automated system .ITS FRUSTRATING Please put that charge into dispute as i never received item.
Consumer complaint received 2020-05-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXX the lender and my attorney agreed to stall the foreclosure case for 60 days due to myself being in review with the loss mitigation department Mr. Cooper. On XX/XX/XXXX I was advised I was approved for a loan modification by XXXX ID XXXX. I was told the loan modification paperwork was to be mailed and I would receive it in 7 - 10 days. On XX/XX/XXXX I also received an email that I have copied and pasted in an attachment to this complaint. I then made the payment for XXXX and XXXX with no problem. During this time I still had not received the modification. On XX/XX/XXXX I spoke to XXXX ID XXXX and she said she would fax the modification. On XX/XX/XXXX I spoke to XXXX ID XXXX and was told she would email me the modification. On XX/XX/XXXX I spoke to XXXX ID XXXX and was advised that the XXXX and XXXX payments had been received and applied properly. On XX/XX/XXXX I spoke to XXXX ID XXXX and I was told the modification was denied on XX/XX/XXXX due to me not signing the trial plan. Please note that I had still not received the trial plan and it was only emailed on XX/XX/XXXX. The email that I received said that I must sign or call or make the first payment. I printed and signed the email and faxed it to the bank. I verbally accepted via telephone and I made the payment. Please help. Thank you.