davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

XX/XX/XXXX - after multiple phone calls I took a call from Transworld Systems Incorporated ( TSI ). They stated on the phone call it was an attempt to collect on a medical Debt for my father XXXX XXXX XXXX XXXX. I told them I was not XXXX XXXX XXXX XXXX but they told me they could call me since I was now an adult, over XXXX XXXX XXXX. They stated this was a debt collector on a recorded line. I was concerned that this debt would be reported on my credit, so I agreed to pay for the debt. I understood when I got off the phone that this debt had not been validated to my parents and may have been a billing error. On XX/XX/XXXX my mother, XXXX XXXX, contacted TSI and was told I should not have been contacted since the debt occurred XX/XX/XXXX when I was a minor. XXXX XXXX attempted to validate the debt but TSI could only provide a date of service and was not able to provide any additional information ( such as name of provider or list of services ). On XX/XX/XXXX, a claim was filed with XXXX XXXX XXXX  for the fraudulent charge. On XX/XX/XXXX, XXXX XXXX closed the claim stating I, XXXX, XXXX, authorized the charge. I was not made aware by the debt collector that I was not responsible for this debt. On XX/XX/XXXX, XXXX XXXX, contacted TSI again in attempt to reverse the charges. XXXX XXXX was now told they were authorized to contact me about the Debt since I was XXXX XXXX XXXX now. When she asked again for them to validate the debt she was told they did not need to validate the debt since I had already paid the Debt. This Debt Collector violated the Fair Credit Reporting Act ( FCRA ) by contacting me as an adult to attempt to collect on a debt that occurred when I was a minor. In addition, TSI violated FCRA by failing to validate the debt, failing to provide the name of the provider and a list of services to XXXX XXXX or XXXX XXXX when they contacted them attempting to resolve the matter.
Consumer complaint received 2023-11-20
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2023 Balance : {$200.00}
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-11-20
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (MD)

My issue is I have never been late on a bill in my life, my wallet was stolen after a friends wedding, I had a card with my account info on it since I was XXXX ( like an XXXX ) and closed that account and opened a new one for peace of mind. I linked chase to my new account and thought that was over and done with. I then 4 months later ( with zero communication ) get a letter of foreclosure on my home which blindsided me! I immediately called and figured out they only had my original account on file so my linking never took place. In turn my perfect credit tanked. Ive supplied bank statements ( showing I have lots of money in the bank ), police report, and they are taking months to respond with a solution. Nobody in person can help me and the department I am forced to deal with is overseas and English is a second language. Its awful! I obviously back paid everything immediately, added an additional XXXX towards my mortgage payment monthly, and paid an additional month to get squared away. They then made me wait ONE WEEK! To link my new bank when I took the old XXXX off. They refuse to fix my credit
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This company continues violate my consumer rights by reporting inaccurate information on my credit file with this account. I have proof in the images below. This account continues to report like its open an has a balance but this account has not be active since XXXX which it a violation.
Consumer complaint received 2023-02-22
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. (NJ)

I sent a letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (NC)

I received a notification from my credit monitoring app that there was a hard inquiry on my account from a creditor that I did not initiate. 
XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX. I did not recognize this company, I tried calling number associated and the first thing they asked for was my social security # and there where no other menu options so I hung up. I did not think this was reputable and then I continued to freeze my credit and dispute this hard inquiry through you. All this happened XX/XX/2024 around XXXX XXXX
Consumer complaint received 2023-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I received a voicemail today notifying me of a " complaint or civil suit '' being filed against me, was instructed to call XXXX to discuss my case with the legal firm handling my case. I called the number and was routed to a person named " XXXX XXXX '' ( her direct line : XXXX ) of XXXX XXXX XXXX XXXX ( at XXXX XXXX XXXX XXXX, XXXX, CA ) who informed me that Synchrony Bank was suing me for {$3300.00} for an " outstanding debt '' on their Care Credit card. This amount included court fees and other penalties. The original debt was for {$2300.00}. I informed XXXX that I paid this debt off long ago in XXXX to a collection agency and had the paperwork to back it up. She attested that if I did not have a " Liability Release '' form that I still owed the debt to Synchrony Bank. She claimed two attempts had been made to issue me a summons via a courier - one to an old residence and one to my current residence. I pointed out that Synchrony Bank had issued me zero correspondence about this supposed debt over the last 11 years and wasn't it a bit odd that I would suddenly receive a phone call to tell me I was being sued? She told me that I had two options - to go to court or to mediate with her, and if I chose to mediate she would issue a " Release of Liability '' but I would have to pay her " offered settlement amount '' of {$2100.00} on the spot. I replied, " No disrespect, but how do I know YOU'RE not scamming me? '' She laughed and said she completely understood why I might feel that way. I told her I needed some time to go through paperwork and she offered to extend a " courtesy EOD hold '' to keep my case from going to court but that when I called back, she would have to go through the mediation process again but couldn't guarantee she could " offer '' me the same settlement amount, it might be higher. I agreed to accept these terms and did some digging. Synchrony Bank attests that my account was deleted on XX/XX/XXXX - the day that they sold it to XXXX XXXX. XXXX, the debt collection agency. XXXX attests my account was paid off in full and provided all the paperwork. I spoke to a lawyer who attested that this is indeed a scam, and that this " law firm '', who does not even appear in a XXXX search had likely bought a list of debts owed from Synchrony Bank, and were going after people to try to get money from them. This is the 3rd or 4th call I have received in the last 3 months regarding this same debt, from 2 different " companies ''.
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (IL)

This was a secured credit account account that I paid to open. At one point they charged me for things I did not sign up for and instead of me owing the {$200.00} I paid to open the account, my balance shot up to over {$300.00}.
Consumer complaint received 2023-11-20
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 am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

This company is reporting inaccurate and misleading information on my credit report. 
Lvnv Funding LLC has a collection reporting on my credit report As a open but they haven't Provided payment history. They also have listed the last payment date for last year but are currently reporting a late payment at 120 days that makes no sense. 

This account is Fraud its a Volation of the fcra and the FDCPA. I have a strong case. I'll be more then happy to take this to court and sue this company for the maximum dollar amount the court will allow which is {$10000.00}
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

Dear Chase, I am writing to formally address an issue that occurred with my account, which was unexpectedly closed by Chase. Below, I have detailed the sequence of events, including dates and actions taken by both myself and Chase, to request your assistance in resolving this matter. 

Incident Description : Date of Notification : XXXX week ago I received notification from Chase indicating that my account would be closed. No specific reasons were provided for this action. 
Closure Communication : It was communicated that the account would not officially close for an additional XXXX weeks, and any remaining funds would be sent to me thereafter. 
Immediate Concern : The delayed closure and the withholding of funds have put me in a financial predicament as I need the available funds to meet upcoming financial obligations, specifically to pay my credit card bill due soon. 
Actions Taken : Inquiry to Chase : Upon receiving the closure notification, I contacted Chase customer service to understand the reasons behind the account closure and to express my need for the funds to be released earlier due to my pending financial commitments. 
Response from Chase : The representatives refused to provide any explanation for the closure or accommodate an earlier release of the funds. 


Thank you for your attention to this matter. I am looking forward to your prompt response to help resolve this issue. 

Sincerely,
Consumer complaint received 2018-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

I have noticed a large number of Misapplication Reversal entries on my mortgage records resulting in my principal balance increasing {$1100.00}.

I contacted Roundpoint several times to provide a full accounting and written explanation of why the Misapplication Reversal entries were made, where did the funds go, and why did the principal balance increase after the adjustment.

To date I have received no response. I am concerned, due to researching similar complaints, that Roundpoint Mortgage is mishandeling Escrow funds and/or mortgage P & I funds.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account XXXX  : # XXXX, Account XXXXXXXX XXXX XXXX XXXX XXXX, Account XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

Im writing to contest my wells fargo card service account that i closed in XX/XX/XXXX. I did debt consolidation and paid a company that closed the account and made payments for me. I received multiple late payments in XX/XX/XXXX even the the account was closed XX/XX/XXXX. I made all my payments to the 3rd party debt consolidation company. I dont know why i have all these late payments.
Consumer complaint received 2017-09-24
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: EQUIFAX, INC. (FL)

I responded to EQUIFAX Hack by submitting my information to obtain promised credit file monitoring package from their TrustedID Premier program onXX/XX/XXXX. I received an email from Equifax stating that " We have successfully received and are processing your information. '' on XX/XX/XXXX. The next step in the process was to send me an email to finalize the enrollment and activate the product. I have checked my email daily for 10 days until XX/XX/XXXX at which time I called the Customer Service number. They were not able to give me any information except that their servers are very busy and could not indicate when there would be any response. I requested to talk with a supervisor who responded that I should call back and he rudely hung up on me.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2023, I noticed there was a hard inquiry placed on my Transunion credit file that I did not authorize. I reached out to Transunion on XX/XX/2023 and notified them about the unauthorized inquiry that was placed on my credit file by a company name XXXX XXXX XXXX. The Transunion customer service rep promised me on a recorded line that the hard inquiry would be removed off my credit file within 7 days. On XX/XX/2023, I pull a new copy of my Transunion credit file and the hard inquiry is still on there. At this point my rights were violated and I was lied too. This hard inquiry is damaging my credit file and hindering me from moving forward.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive sent multiple rounds of letters through the three credit bureaus regarding my capital one accounts because I do not remember having these late payments and believe them to be inaccurate. Further, the reporting of these late payments is different between the three bureaus and was changed by date since I made my dispute. Not removed, but the months noted as late were simply switched. 

I sent letters disputing these late payments on : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 The bureaus reported that the information was investigated and found accurate, but I have requested proof of method of investigation and and not received this material. 

XXXX XXXX is currently being sued by XXXX for reporting incorrect payments due to their internal system delaying payment received by customers who make their payments on time this is a widespread problem within the XXXX XXXX system. 

Please reference the case here : XXXX XXXX XXXX Knowing that this company is falsely reporting late payments in a way that is so widespread, a national company is suing them, only further validates my claim.
Consumer complaint received 2018-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

XXXX paid out a {$500.00} transfer that my bank returned ( and charged me return fees on ) without my knowledge, consent, or any indication in their terms of service that they would be doing any such things. I paid the recipient cash since after and thought the matter done, but XXXX  just took a {$310.00} payment 2 years later, claiming that I owe them {$500.00}.

I never applied for credit, was informed of a balance, or consented to it. Furthermore, prior to receiving the payment, I checked my account and it showed a {$0.00} balance, not $ -XXXX  and my account was not frozen or labeled as having any problems with it.
Consumer complaint received 2023-11-20
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX