davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
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. (NY)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00}
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (NY)

I have inquiries I do not acknowledge, I have not authorize these companies to use my credit as follows : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C. (IL)

I received a notice from Blitt & Gaines about the collection of {$5800.00} on account ending in XXXX in XX/XX/year>. I sent out a verification of debt request on XX/XX/year> requesting the name and address of original credfitor, the amount of the debt, verication the debt is mine, a complete payment history, and proof that they are licensed to collect debts in my state of residence. 

I RECEIVED NO RESPONSE FROM BLITT AND GAINS P.C. IN THE PAST 30 DAYS. 

What I did received was a letter from XXXX XXXX  dated XX/XX/year> stating the following : Please be advised that we have reviewed your request, as well as the available account information. Unfortunately, we have been unable to determine the exact nature of your dispute. 

I was not provided the information I requested in my original request. Upon calling the the phone number listed as XXXX XXXX  ( XXXX ), I am directed to a third party company that now handles the account and claims it does not have the ability to connect me to the original creditor and/or provide me with any kind of contact information to further the dispute ; creating me to be isolated from being able to directly communicate/dispute on this manner entirely. I have been directed by the third party company ( XXXX XXXX ) which spoke with XXXX at XXXX on XX/XX/year> ) and STILL HAVE NOT been contacted by Blitt and Gaines , P.C . in over 30 days since request ( nor have I received the information requested by them as well ). You can see where I timestamped my call with XXXX on the letter scanned; included you will see a phone number for XXXX XXXX  of XXXX and again where I verified the phone number they had on file was to XXXX  XXXX as XXXX  no longer handles the account ( as explained to me by XXXX/Phone rep ). 

I still have not received : Verification debt is mine, such as a copy of the original contract or agreement I signed. 
A complete payment history, as requested starting from the original creditor to present. 

Ultimately, while the requested information was not provided, nor responded to by the credit collections agency : the inability to contact synchrony bank has further complicated the efforts to address this matter directly.
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, a man named XXXX called from the Bank of America customer service number, XXXX ( XXXX ) XXXX claiming to be with the Fraud Department. He said my savings account was compromised and I needed to send {$2500.00} via XXXX to XXXX. He would then send the money back at XXXX  and the next day I would receive a new savings account number. He also told me for security reasons to update my password and delete the Bank of America app. I immediately called Bank of America and they said it was a scam and I filed a fraud claim with them.
Consumer complaint received 2023-04-18
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

A few weeks ago I sent letters to all 2 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

A few weeks ago I sent letters to all 2 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CMG MORTGAGE, INC (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my XXXX  emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-09-24
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (GA)

i have a section 8 voucher so i only paid XXXX XXXX  a month and i showed proof to XXXX  that XXXX housing pay {$1800.00} a month the apartments went under another management didnt give full details they was stealing money and saying i owe {$5700.00} in rent and i wasnt even paying that kind of money for rent because i have a voucher thru federal hud government so now i have a damaged credit saying i owe it and now i cant get no where to stay cause of wrongfully charged.
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (RI)

THE SYNCHRONY BANK IS THE CREDIT CLEARING BANK FOR AMAZON. 
ON XX/XX/2022 I BOUGHT A PAIR OF SUN GLASSES TO AMAZON WHICH CHARGED {$380.00}. THIS SUN GLASSES WERE RETURNED AND RECEIVED BY AMAZON ON XX/XX/2022. THIS AMOUNT HAVE NOT BEEN CREDITED TO MY ACCOUNT. THE BANK DECLINE THE CREDIT WITHOUT EXPLANATION ; ALTHOUGH AMAZON ACKNOLEDGE THE RECEIPT. 

ON XX/XX/2022 ; I CONTACTED THE BANK AND INQUIRY FOR A {$210.00} CHARGE THAT DID NOT MADE. THE BANK CLAIM THAT WAS MERCHANDISE DELIVERED TO MY ADDRESS. I REQUEST RECEIPT OF DELIVERY SIGNED; BUT THEY DID NOT PROVIDE THAT EVIDENCE TO ME. BY MISTAKE I PAID THE XXXX.
Consumer complaint received 2023-10-10
Product: Credit 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: AMERICAN EXPRESS COMPANY (MO)

I ordered king crab legs from a XXXX add XX/XX/XXXX or XXXX 2023 for {$74.00} for a party. The add said they come from XXXX. It was free 2 day shipping in dry ice. I never received crab legs. Website that was in XXXX ad no longer exists. When I tried to go to website afterwards it kept re directing me to a website that sells clothing and accessories! After repeated attempts to get information from American Express I decided to file this complaint. I have reached out to XXXX  multiple times letting them know I did not receive what I ordered they said when they reached out to the company that the company said they sent me something and the date they said it was delivered. I explained the only thing I have received in mail was a cheap pair of earbuds ( I did not order ) but it was not from company charging me. I asked what the company said that they sent me, XXXX would not tell me I asked for copy of response from company XXXX representative said she would email it to me she did not, instead she sent an email letting me know how to file fraud charge. Which I had already done. They closed the case I filed another complaint then I called and said it would not let me send finish filing the fraud charge complaint because it was for same reason as before and that one had been closed because the company said they sent me something. So she took information over phone and kept saying well its been several months since the charge! I said I know and I filed a fraud claim immediately when what I ordered was not received when promised, so she filed fraud charge again then they closed both because they said I started one on internet that was open ( I could not complete ) and then called and submitted again so they couldnt have XXXX open at once for XXXX complaint. So they closed BOTH! I call again guy says company making charge said you received something, this time he gave me a tracking number and shipping company. So I went online typed in tracking # it showed nothing I emailed shipping company asking them to send me information on the tracking # they never responded. This has been going on for months now. The simple fact is I ordered consumable crab legs that was supposed to arrive in 2 days they never arrived. The company making charge says I received something but no one knows what it was or has proof that it is I ordered. I have repeatedly requested the information from American Express which they never provided.
Consumer complaint received 2023-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NY)

New Rez Mortgage system fails to deduct payments from bank account. We specifically schedule payments to track them. Upon emailing them, they deducted the payment late. 

Again we decided to track and took pictures of the payment pages when scheduled. Still not payment has been taken out. When we try to login to their website, their website is down and certificate is expired. Trying to call no one answers.
Consumer complaint received 2023-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: W&A Intermediate Co., LLC (TX)

Wakefield  Collections Agency- Unscrupulous collection practices I started receiving reporting in collection notices from Wakefield and Assoc shortly after. The creditor was listed as " XXXX XXXX XXXX '' - which I have never done business with. The remaining balance is {$820.00}. I have requested information/ statement about this account and haven't heard nothing back. They are claiming wrong information. 

I know per my research they are crooks trying to steal money from people. with no accounts associated to them. 

Please help.
Consumer complaint received 2023-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc. (GA)

I wrote a letter to XXXX over 90 days ago and I still have not received an response from them regarding a debt they have added to my credit report. So my problem is I didn't receive notice of right to dispute and when I contacted them they never responded to verify the debt when I asked for it back in XXXX.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-10-10
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. (NC)

On XX/XX/XXXX I received an alert that there was an new credit account on my credit report for a company called XXXX XXXX in XXXX Wisconsin. I immediately put in a disputes with all 3 bureaus, had a freeze place on my credit reports and a XXXX alert placed on my credit reports and made a police report. I called XXXX XXXX about this account because I assumed it to be opened fraudulently upon speaking to XXXX XXXX and then a XXXX XXXX at XXXX XXXX I was told that the account did not belong to me that it belonged to another person with a similar name as mine this person also lives in another state. A state that I have no association with. After a 30 day investigation XXXX removed the item and address off my credit report stating that after their investigation it was found that the account did not belong to me. Yet XXXX and Transunion refuses to remove the account or address off my report stating that the account is being reported as mine from the creditor and is associated with my social security number which is not true. I contacted the company XXXX XXXX again on XX/XX/2023 and was told that the account was not mine and that they are not reporting the account as mine that it belongs to another person with a similar name as mine and that the XXXX and Transunion have made a mistake in there finding. I have been trying to get this taken care of for the last 3 months and both companies XXXX and transunion refuses to investigate this properly. If they did their investigation properly they would have found that I have never lived at or have any association with the address belonging to the account and that the company XXXX XXXX does not have me on file as having an account with them. These companies are refusing to investigate properly and will not remove the address or account that does not belong to me from my credit report.
Consumer complaint received 2020-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have the app XXXX XXXX to keep track of my shoes. I recently logged on and saw unknown, suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

In XXXX of XXXX, my then girlfriends car was broken into as we went to play soccer at the banc of California stadium. Her car was broken into with her laptop stolen, clothes on the floor, and glove compartment ( where my card case was ) ransacked. I received not one notification from my bank on text or email. In just 30 minutes XXXX thorns plus dollars were stolen from my account.. this XXXX thousands dollars was money from my insurance to fix my vehicle that had been in the repair shop for 2 months til the date ( XXXX ) I have written letters of intent and sent them through email to XXXX XXXX XXXX who was the point of contact and representative of the company and I also was unable to reach him at times over the years so I contacted the company through XXXX and I was successful at getting ahold of someone. I sent another letter of intent and I got the same letter that I got two years ago with XXXX XXXX explaining that they take no responsibility for this. This Put me over {$5000.00} worth of debt, I was kicked out of my aunts house due to XXXX XXXX sending the police to my house because I said Im just going to kill myself because I felt my life was over. I have never recovered from this still to the date.
Consumer complaint received 2018-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Hello, This has to do with Wells Fargo taking over my mortgage from XXXX effective XX/XX/2017, advising me of the transfer of my account. They are charging me an extra charge of {$XXXX} extra for taxes. Where they are charging an extra amount of {$XXXX} I have no idea. I sent them a copy of my property appraisal information, where it states on that document that I'm exempt from any taxes since I'm a XXXXXXXX XXXX XXXX Veteran and except from homestead taxes and I'm over XXXX years of age, But they continue to charge me the {$XXXX} for the last three months..As I've tried to contact them my email and still now answer from them. paying and {$XXXX} My loan number XXXX their phone number is XXXX and their website is wellsfargo.comXXXX Their email address is https : //welsfargo.customercarenet.comXXXX.   My loan number XXXX. Phone number XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NY)

I have requested to opt out of reporting all non-public personal information and removing such accounts from my consumer report. I have notified Self Financial Lead Bank, and XXXX  XXXX XXXX through XXXX. Per 15 usc 6802 and 16 cfr 313.7 ( f ) as a federally protected consumer I am opting out of all authorization I the consumer may have given to disclose non public personal information. 5 USC 552A ( d ) ( 1 )
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2020 I have called several times to get access to my report, i have also mailed in disputes from other reports from other sites. I mailed my identification and i still have not gotten access to my reports online via their Direct websites. I am also unable to dispute items because of this.
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

On XX/XX/24 at XXXX XXXX XXXX For {$120.00}, this amount was placed on different card and the pending status remains from that date, the merchant was already paid on XX/XX/24. 

On XX/XX/XXXX XXXX XXXXXXXX XXXX for {$150.00} This was an amount placed by policy of the hotel to cover incidentals, of which I had none so they typically allow the transaction to expire without further processing, however I feel that Chime will not be returning my funds for several weeks as this appears to be their typical process for return of funds from pending transactions which are no longer pending but Chime waits an unreasonable amount of time before returning customer monies.