davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX account number XXXX US Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX US Department of education XXXX XXXX XXXX XXXX XXXXXXXX XXXX Department of ED XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX US Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (DE)

Tranunions refusal to delete UNVERIFIED information from my consumer file, and show me written consent that these Inquiries are mine, which are 1. ) XXXX  card Services date. XXXX 2. ) XXXX XXXX XXXX> date XX/XX/year>,.. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED Inquries listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously and or previous CFPB COMPLAINTS will also become part of a formal complaint to the Federal Trade Commission. I have attached a IDENTITY THEFT REPORT WITH THE FTC ATTACHED HERE TODAY, which will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite 2 written requests and a CFPB REPORT, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ). Again these Inquries are not mine, I am unfamiliar with them and do not and have not conducted any business with these increase. I demand that you remove them at once.
Consumer complaint received 2024-09-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

A debt collection agency by the name of PORTFOLIO RECOVERY XXXX has been reporting inaccurate as well as fraudulent information about me to CRAs. I resided in XXXX now XXXX  and they are not licensed to operate in either state. After initial contact to dispute and rectify their mistakes, they went about reporting new negative information that resides far from the truth and as a result my credit report went down XXXX in XXXX day across the board of CRAs. This is abusive and infringes on my rights and I would like this to be rectified ASAP.
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. (IN)

I have been in a financial hardship since year of XXXX  and trust wallet is the company that the fraudulent activity occurred they have gave me plenty of issues without responding or resolving my complaints regarding this situation and they have since failed to respond to me via email and correspondence I am hoping and praying trust wallet internal or fraud teams can reimburse and or resolve this for me.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX, XXXX inform me by e-mail to close my account. I called them they said they will send check for the remaining balance On XX/XX/XXXX, I got checks but its only partially of my remaining balance, there are another {$3400.00} remaining of my balance I called XXXX, they said this money is under investigation with no timeline provided They said those amount of money are from XXXX transaction which someone claim that I scam him Im a victim, I did money transfer for Thai people who want to transfer money from XXXX to XXXX ( I have money on XXXX bank account that I want to transfer to XXXX for buying condo ) I attached transaction screenshots for reference, every time he zelled me, I transfer money in Thai Baht to his Thai bank account with exchange rate XXXX per Dollar
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I tried to deposit check # XXXX that was written to me by XXXX XXXX on XX/XX/XXXX. I had misplaced the check and recently found it. On XX/XX/XXXX XXXX XXXX received a text message from Bank of America asking if he had written a check in the amount of {$3000.00}. He did not receive any other information about who the check was written to or a picture of the check. So he responded with a " no ''. On XX/XX/XXXX Bank of America returned the check and decided to close my bank account and my son 's custodial bank account for " Altered/Fictitious '' activity. They then sent my name to XXXX. The new account I had opened with XXXX XXXX XXXX was closed along with my son 's newly opened bank account. XXXX XXXX called Bank of America and XXXX to tell them he had made a mistake and did write check # XXXX in the amount of {$3000.00} to me. I submitted my claim with XXXX  on XX/XX/XXXX. It is now XX/XX/XXXX and Bank of America has not made a decision. They are still " working on their decision ''. XXXX XXXX has written the attached letter stating that he did write the check to me and that there was no alteration done to the check. I have also attached a copy of the original check along with the letter from XXXX XXXX. 

Bank of America needs to remove their claim against me with XXXX so that my name can be cleared and I can once again have a bank account.
Consumer complaint received 2024-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Home American Mortgage Corp (OR)

We closed escrow with our escrow instructions clearly stating that the Lender Home American Mortgage Corporation was to hold back {$3200.00} for the painting work that needed to be completed by XX/XX/2024. Not only did they not finish the painting by then, they had not even started. 

They were also required to hold back an additional {$19000.00} for the landscaping. 

We have sent many requests to XXXX XXXX at XXXX XXXX XXXX and XXXX XXXX XXXX Home American Mortgage Corporation and they both have refused to provide proof that they are still holding the funds. 

Neither the landscape work or the Painting has been completed.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Americas Car-Mart, Inc. (AR)

Over the past three months, I have contacted XXXX and XXXX concerning the negative account with XXXX XXXX and the keep telling me the debt is validated and keep reporting inaccurate information. They told me the credit report had been updated and to take it up with XXXX XXXX XXXX but they are the ones who are reporting the information, and they know its inaccurate information. I had the car for 7 days and they never validated what or how much they resold the car for, and why they are reporting negative information on my credit. I have a XXXX balance with delinquent and late payments showing on my account as if I'm not making payments.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MI)

PayPal decided that I violated their terms and agreement so disabled my account. I can not withdraw my money for 90 days and my account will be closed after that. No reasons provided why I broke their rules, I didnt do anything on my account. Need an explanation
Consumer complaint received 2024-07-03
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. (WA)

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 2024-08-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TRUIST FINANCIAL CORPORATION (TN)

Applied for XXXX with XXXX, left papers with XXXX about XX/XX/XXXX On XX/XX/XXXX I receive an email from XXXX XXXX the loan was denied. A few days later I received a letter dated XX/XX/XXXX information requested more information as to further my loan decision. Did not bother reading the letter because my loan XXXX said it was denied. When I finally read it, I realized I had truly not been denied but XXXX XXXX had falsely told me I was. That letter also requested documents that needed to be signed by me that he did not include in the letter I had tried to get a heloc last year with the same bank and was denied. Since I was denied I added my daughter name to the loan. I figured I was denied the first time because Of high balances on my credit card being debt to credit ratio. I sent XXXX XXXX an email that if I did not need her added i prefer to do the loan in my name only. He never responded. XXXX XXXX sent papers for us to sign separately, to her and I twice. XXXX XXXX then sent papers to my daughter at an address that I have not lived at in 12 years. I took a picture of it and we signed them. I wrote a note to tell him please do not send information there as she doesnt stay there and she lives with me at this address. I also emailed him the same thing. Did not receive any confirmation that from that email of him breaking my privacy. XXXX XXXX ran my credit report twice in about 10 days because my daughter social security number was wrong in their bank. Not hers but mine. XXXX XXXX also after he denied my heloc last year, he offered me a truist credit card with XXXX percent interest and ran my credit report again.i was so desperate to get the crefit card not realizing he would be running my credit again because I just got turned down for the XXXX. On XX/XX/XXXX I received a letter that I have been denied the loan because XXXX loan is intended for owner/occupants with more papers for me to sign which he did not include. I have been a customer of truist for almost 30 years. Worked for them almost 8 years. Paid off two mortgages/ / XXXX loans. The house I tried to request and additional XXXX to my already XXXX heloc is paid off with an appraisal of XXXX. Because of this denial I had to get a hardship loan from my XXXX XXXX XXXX  wasted almost 2 months of my time trying to get a loan with truist. I intend to find a lawyer and bring this matter as he has broken every oath he was sworn to. At this point I dont know if I was treated this way if because I was black or a female I intend for the law to tell me why!!!!!
Consumer complaint received 2024-01-19
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. (TX)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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. (MA)

On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. 

I am writing to request that your bureau verifies the accuracy of the XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4000.00} ) account that you have reported on my credit report. I am unsure of the accuracy of the balance of {$4000.00} that you report for this account because I don't recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I intend to clarify this matter with the creditor. In the meantime, I request that you mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I would appreciate it if you could verify the Date Opened, Date of Status, and First Reported for this account.
Consumer complaint received 2015-11-16
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

check smart is corporate office for Easy money in XXXX tn. At first the local Easy Money on XXXX XXXX in XXXX kept calling me 10 times a day every day. Now the corporate office called check smart calls me every day including Sundays! I have sent them a letter requesting they contact me with correspondence and not to call me at work, but they are also calling me at work as well.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Between XX/XX/XXXX and XX/XX/XXXX if 2024, my card was stolen by a merchant in XXXX XXXX at a gas station. I noticed multiple unauthorized transactions on my account for goods and services I did not purchase, mostly beginning with the code XXXX XXXX. I called my banking institution to have the card canceled and replaced and reported all of the charges as fraudulent. Two separate claims were made on my behalf. One of those claims was approved and the other was denied inaccurately. I attempted to rectify the problem with the bank directly, but they continued to provide the same generic response that the charges were determined to be valid based on their investigation. The charges are not valid as I did not present my card for those transactions nor do I have any of the goods or services in my possession. After multiple attempts to rectify the situation with the bank, I researched the situation online and found that my specific issue was not unique but has been occurring to multiple customers of different banks, some of whom have never lost possession of their physical card. Instead it was cloned by a machine. The bank did not take this information into account when determining the legitimacy of my claim. I attempted to go through a different department called card dispute, but was never directed to this department, which is the likely reason my claim is still denied. This is frustrating for customers who lose their hard earned money and receive no assistance from their banking institution.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

This began last Tuesday XX/XX/year>. My husband and I were moving into a new home that Saturday. XX/XX/year>. We had to get 2 certified checks in the amount of XXXX a piece totaling XXXX. I am a customer of XXXX and my husband XXXX XXXX XXXX is a customer of JP Morgan Chase. Because we needed the money by Saturday and my bank is located in Texas and would have had to mail the cashier checks I decided to transfer the money to my husbands account so that he can go into a chase branch and get the certified checks. I wired XXXX on Tuesday XX/XX/year>. It was unknown to us at the time that husbands account does not allow incoming wires. When the money did not hit his account we called, and thats when we were informed the money was being returned. Multiple agents told us the money was never accepted by chase which was completely incorrect. Chase accepted the transfer however did not apply the money into his account and never sent the money back to me. My bank has reached out to chase on multiple Occasions asking for the money back. The only response we received back from chase was that they needed permission from the account holder however they never deposited the money. My husband called Chase and they informed him of the same they needed his permission to send back money they never gave him, so he granted permission. Here we are over a week later and we still have not received the funds. We have called Chase everyday and still receive the same response that they are working on it. My bank has sent them a tracer that they have also not responded too. This action by chase has left my family homeless and spending additional money on hotel rooms. This is the most unethical thing I have ever seen from a bank to hold money that is not theres and not return it. We need our funds back immediately. This has caused a lot of stress for my family
Consumer complaint received 2024-08-16
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at account XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$6200.00} that appears related to the aforementioned personal loan account at XXXX, a collections account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX with a balance of {$6900.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX XXXX XXXX, another collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$3500.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX at XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.