davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

On XX/XX/2023, my XXXX account experienced unauthorized access by an online scammer based in XXXX. Subsequently, my XXXX XXXX, linked to my Schools First XXXX card, was compromised by XXXX. Promptly, I informed my bank, filed a XXXX claim, and awaited a decision. Regrettably, as of XX/XX/2023, my claim was denied, and no detailed written explanation for the denial has been provided by Schools First Federal Credit Union. This is unprofessional on Schools First because they failed to notify me as a customer, I had to contact them for a decision and update. My money is not secure at this banking institution.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RLB Texas Auto Center LLC (TX)

TAC Acceptance Group ( Texas Auto Group ) is reporting false information on my credit report. I filed a XXXX XXXX bankruptcy in XXXX of 2023 and the vehicle was included in that. The vehicle was returned to the Texas Auto Center after my discharge which was granted XX/XX/2023. 

The vehicle was removed off my XXXX credit report after vehicle was returned and a month later on or around XX/XX/XXXX they reported the vehicle back to my XXXX Credit report as being 30 days late, which also made my credit score drop over 60pts. 

I have filed a dispute with XXXX 3 times now and submitted my bankruptcy paperwork and they come back with the same results as account verified and accurate which is not true.
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

XX/XX/XXXX Hello, I have a mortgage with Chase. On XX/XX/XXXX, I sent a check to Chase XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) in the amount of {$6300.00} which included {$1800.00} regular payment due XX/XX/XXXX + {$4500.00} additional principal. Check # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX PA XXXX ) ) cleared my bank on XX/XX/XXXX, but {$6300.00} did not appear in my account in Chase. I contacted the customer services departments of both banks and both banks pledged to investigate the matter. 
I received a letter from XXXX. They say Our records show that the above said check was cleared from your XXXX  on XX/XX/XXXX, and the XXXX was JP MORGAN CHASE. Also, XXXX provided me with a Source of Receipt ( SOR ) that describes this transaction and a photocopy of the check. I sent this information to Chase and ask them to conduct an investigation to find my money. 
I received several letters from Chase that copy each other and say : Our research shows that your check XXXX dated XX/XX/XXXX, for {$6300.00} was not received to be processed for your mortgage account As a result : 1. {$6300.00} disappeared from my account in XXXX 2. During the last four weeks, neither institution seemed all that bothered to contact each other, conduct an effective and thorough investigation to resolve the case. 
I would be very grateful if you could help me to resolve this problem. 
Thank you Sincerely XXXX
Consumer complaint received 2020-07-21
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. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : MEDICAL, DEPT OF ED/XXXX DPT EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : US SM BUS ADMIN XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This has been a very long, painful process of trying to obtain numerous credit freezes on my credit reports, only to find out that the information that is listed on them, with all bureaus, is very inaccurate. I've never known who to talk to, especially when I tried years ago to reach out to the credit bureau and wasn't heard. There are addresses, companies, names, phone numbers, etc. That I don't know anything about and it's negatively impacting my credit scores across all the bureaus. I'm unable to get anything in my name. Recently, approximately XXXX week, I tried renting a rental car with XXXX. Much to my surprise, I couldn't because once again I was told that my credit score was too low.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX " apparently '' verified that I have an unpaid debt and account abuse of XXXX ( XXXX ) checking acounts with them ACCOUNT ENDING IN XXXX, per what XXXX is stating Yet again, chexsystems have failed to provide me with a copy of any viable evidence submited by XXXX. Be advised that the descripton of the procedure used to determine the accuracy and completeness of the informaton is hereby requested, to be provided within fiteen ( 15 ) days of the completon of your re-investgaton. Additonally, please provide the name, address, and telephone number of each person contacted at usbank regarding this alleged account. I am formally requestng a copy of any documents provided by usbank, bearing my signature, showing that I have a legally binding contractual obligaton to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verificaton or validaton of any alleged debt and account abuse of a checking account ( s ). Be aware that I am making a final goodwill atempt to have you clear up this mater. The listed item is entrely inaccurate and incomplete and represents a very serious error in your reportng. Failure to comply with federal regulatons by credit reportng agencies are investgated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communicatons with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Atorney General 's office, should you contnue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims acton against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamaton 2. ) Negligent Enablement of Identty Fraud 3. ) Violaton of the Fair Credit Reportng see attached additional documents and information
Consumer complaint received 2023-04-20
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Dear Consumer, XXXX XXXX XXXX, I am writing to bring to your attention a matter concerning my credit report and the Fair Credit Reporting Act, specifically Section 609 ( a ) ( 1 ) ( A ). As per this federal law, it is required that Experian verify all accounts posted on a credit report through the physical verification of the original signed consumer contract, they have failed to do so. 

I have previously disputed the XXXX XXXX and XXXX accounts on multiple occasions, but I have not received proper debt validations for the alleged debts in question from the debt collector. Therefore, I kindly request that you take the necessary steps to delete the following two accounts from my Experian credit profile : XXXX XXXX XXXX XXXX Account # XXXX I trust that you will investigate this matter and take appropriate action in line with the Fair Credit Reporting Act. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (NV)

New mortgage investor JP Morgan Chase refuse to acknowledge new contract payments agreed in bankruptcy in XXXX confirmation. Practicing inaccurate credit reporting of old discharge for balance of old loan in XXXX. Have collected and apply cash payments for the last eight ( 8 ) years against RESPA ; Fair Credit ; Predatory Lending and Bankruptcy Laws. Unfair, abusive and deceptive practice concerning property rights by attempting to accelerated foreclosure without legal notification and based on inaccurate balances and deceptive collection of the amount owed.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (TX)

Subject : Urgent : Prolonged Account Restriction, Missing Funds, and Distress Dear Customer Financial Protection Bureau, I urgently seek your assistance due to the distress caused by prolonged account restriction and transparency issues with my Revolut account. My account was restricted for XXXX days, and it is still missing {$34.00}, intensifying the distress. Specifically, this relates to a XXXX to Revolut transfer on XXXX XXXX : Transaction Details : - ID : XXXX - Date : XXXX XXXX - Amount : {$34.00} The extended account restriction and lack of transparency in resolving these issues exacerbate the distress. Your immediate intervention is crucial for the resolution of both the missing funds and the associated distress. 

Sincerely, XXXX
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TD BANK US HOLDING COMPANY (MA)

I am a TD Bank customer from last 2 year and holding cash back credit card with TD. I have paid all my credit card bills fairly on time without a single fail, making good salary deposit every month and maintaining a good checkin account balance with TD. In last few months I applied for few credit card and all got rejected. While checking with TD bank, they mentioned my credit card number for Bank account and Credit card account was linked with wrong SSN and they corrected it immediately few weeks back. While checking for my credit report through XXXX XXXX or XXXX  it doesnt show my credit report. I am quiet frustrated with TD at first place how come a financial bank make mistake in putting wrong SSN number and is bank not liable to make SSN verification for any new bank or credit card account. It is screwy my credit history and not able to get any new credit card or get loan.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I filed a claim with Bank of America of potential fraud. After looking back into the account it was my error so I called to cancel the claim. They credited me four different transactions for the amount in question. {$79.00}, XXXX, XXXX and XXXX the very same day. Being that I cancelled the claim the debited the amounts back the very same day. Now on XX/XX/XXXX they debited the amount of {$79.00}, XXXX times under the same claim that was suppose to be cancelled. Which equals in the amount of {$940.00}. Now I have been missing that money for XXXX business days counting today and XXXX weekends. I've called several times and no answers. They give me the same story. We are looking into it. I have been with this bank since XXXX  and never had a problem until now. I just want it resolved and want my money back. It's obviously a bank error and they filed another claim under the same number reopening this claim. It was escalated XXXX XXXX  ago and when I called to see the progress they told it was never escalated.
Consumer complaint received 2023-02-25
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: EQUIFAX, INC. (CA)

In accordance with the fair credit report act.This list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account XXXX XXXX  XXXX acct # XXXX Account XXXX XXXX XXXX Account # XXXX ACCOUNT XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX Account XXXX XXXX XXXX Account # XXXX has Violated my Rights. 
15 U.S.C 1681 section 602 States I have a 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 with out 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.other then conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s2 ( 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 2023-11-13
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (LA)

Synchrony Bank who owns my Amazon Prime Card account has been reducing my credit limit arbitrarily causing my credit score to go down and recently caused a reporting to my credit report that I was over the limit after they applied the high interest to my account. This is not the first time this has happened to me with the credit card. A purchase with Amazon was declined because Synchrony Bank reduced my credit limit from {$1700.00} to {$1000.00} that was my current balance at the time. I pay my bill on-time and it has been setup on autopay. I have no record of late payments on my credit report.
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (TX)

1 ) There was an advertisement for " XXXX XXXX '' on XXXX website for a company " XXXX XXXX XXXX  By XXXX XXXX ''. I applied on XXXX XXXX. 
2 ) I received an email about being selected for screening questions, which I had to answer and send back by email. I did that on XX/XX/XXXX. 
3 ) I received an email from XXXX XXXX ( XXXX XXXX ) with an offer letter on XXXX XXXX XXXX I accepted it the same day. 
4 ) On XXXX XXXX, I received email from XXXX again. Her email id is XXXX XXXX XXXX XXXX, saying that as I am a new hire, I need to contact their preferred vendor to setup home office. Name of Vendor : XXXX XXXX ( Momentum Management ) Email : XXXX XXXX ) I contacted XXXX on XXXX XXXX, same day and was sent an invoice from this address : MOMENTUM MANAGEMENT Invoice No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and given details to wire themoney so they can proceed with sending stuff overnight. *** I should have suspected at this time *** Somehow being excited aboutthe job, I wired the money. 

The money was wired to : Bank XXXX : The XXXX XXXX XXXX. ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Holder name : XXXX XXXX XXXX  stick-to-It decal design XXXX XXXX XXXX  Account # XXXX Routing # XXXX The XXXX XXXX XXXX  XXXX ( XXXX XXXX ) I contacted Truist Customer Service on Saturday at XXXX XXXX on theeir customer service number. They noted down my complaint and gave me case # but also informed that they can not do anything about it I went to Truis bank branch again Saturday morning, when they opened. I was told again, they can not anything about it. 
To add insult to injury, they charged me {$75.00} for wire transfer. 
I tried to contact The XXXX, Delaware ( XXXX ) XXXX. The bank manager refused to do anything about it
Consumer complaint received 2023-11-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XXXX XX/XX/XXXX, one letter was sent to Midland Credit Management ( MCM ) in XXXX, MI to verify the debt they are reporting to the credit bureaus. The letter was received on XXXX XX/XX/XXXX and signed for by a XXXX XXXX. I have received a response from MCM dated XXXX XX/XX/XXXX as required by Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). Even though I received this information, there wasn't any information that would verify debt. The information received are working documents. There is no wet signature document to verify that I have applied or owned that debt. They are reporting the debt as continuously late up through XX/XX/XXXX ; however, their own documents show that the debt was charged-off in XXXX. How can a debt be late if the account was charged off, which means it was closed? They are reporting as if I opened the account with them. Even the information reported between the three bureaus changes.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

Dear Sir/Madam, I am writing to dispute an account that is inaccurately showing up on my credit report. The account in question is not mine and I have never been associated with it in any way. I have checked my records thoroughly, and I can confirm that I have never opened an account with the creditor in question or made any transactions with them. 
The creditor is LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX 
And the balance is XXXX I believe that this account has been mistakenly attributed to me and is causing a negative impact on my credit score. As per the laws, it is the responsibility of the credit reporting agencies to ensure that their reports are accurate and up-to-date. I request that you take immediate action to investigate this matter and remove this account from my credit reports. 

I understand that under the Fair Credit Reporting Act, I have the right to dispute any inaccuracies that may appear on my credit report. I am exercising this right and request that you provide me with a written confirmation of the outcome of your investigation within 30 days. 

I would also like to request that you provide me with the name and contact details of the creditor in question. This will enable me to contact them directly and request that they correct their records. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-13
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: OneMain Finance Corporation (CA)

I received a text message from XXXX over a week ago saying I am approved for {$3000.00}! I hit the link and thats when I started receiving emails, text messages and a whole lot of calls back to back saying I have been approved for {$2500.00}, {$5000.00}, {$1000.00} and etc. I gave a loan funding company my information over 1 year ago and I think they are selling my profile to a lot of scammers! These people have my social security number, bank account information, job information, email address, telephone number and etc. I have received hundreds of calls, text messages and emails! They are running my credit without my authorization! Please have the inquiries removed from my credit report that started XX/XX/2023 and on out to this date and maybe even more dates to be added.
Consumer complaint received 2023-11-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK (UT)

A company called XXXX XXXX XXXX has been calling me since XXXX of XXXX and making suggestions that they will take me to court over a debit from Discover Card. I have never had a discover card, nor has anyone in my family. An account from Discover has never appeared on my credit report since I began monitoring it regularly in XXXX. They have also called my wife, my daughter and my mother saying they are sending someone to my house to 'serve legal documents '. I checked with my county and there is no legal case open against me in either XXXX  or civil court, which explains why nobody has come to my house. This company is engaging in harrassment of myself, family members, and making misleading statements suggesting they are a law firm when they clearly are not.