davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2023-11-21
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2023
Consumer complaint received 2023-11-21
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. (CA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$250.00}
Consumer complaint received 2018-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

I opened a citi checking and a savings account on XX/XX/18 in a branch at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The banker who opened the accounts for me is XXXX XXXX. There was a promotion of {$400.00} bonus if I keep more than {$15000.00} deposit into the account ( combined ) for 60 days. It has been almost 6 months past and I have NOT received the bonus. I have contacted the banker several times through email, call ( left voice mails asking to call back ) and walked into the branch ( he was off on that day ) I have never received his reply. I would have no other choice but to file a complaint against it. I was hoping Mr XXXX would take a close look and escalate to see why I haven't received the bonus. 

My checking account no is XXXX.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I work for my XXXX XXXXXXXX XXXX XXXX XXXX, she gave me a paycheck i went to chase to deposit my check, and they charged the check and held the money and closed my account due to fraud, i had to go to the branch to open a new account but they still havent sent my money back because they said the check needs to be verified in which they called my mother already and she confirmed she gave it to me but they refuse to use that as verification and even the phone number registered under the business on XXXX. Its been a year now they still havent fixed this, they keep telling me different things also if I close my account they wont give me my money, the make of the check is from XXXX XXXX i contacted them and they said no bank can hold the check, its in chase policy. I just want my money back the check was charged on XX/XX/year>, i have pictures of the check being charged by them and money on hold. Apparently Chase can't verify checks by using the # on the check stub or by XXXX a company 's website. 
They HAVE to use " their system. ''
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (CA)

Student loan started in XXXX  with Sallie Mae then they transferred over to Navient. Then a few years ago transferred to XXXX. I recently found out about a lawsuit with Navient. Id like to find out more about it. I know they went bankrupt and I was still sending monthly payments.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I was a victim of online fraud on my last credit card twice that I know have closed. 
My concern is hacking, and inquires from what Capital one has told me on the capital one app from the DARK WEB. I have 2 credit cards with Capital one they stated my identity has been used with my security card. Please inform what to do next? XXXX XXXX XXXX.
Consumer complaint received 2023-11-21
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$69.00} ; XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$0.00} .
Consumer complaint received 2023-11-21
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'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC (NY)

My complaint is that selene finance has not removed the 60 days late from credit report it shows on XXXX  and XXXX. My loan is XXXX I call customer service they told me that they will remove the 60 days off my report but it still shows on XXXX  credit report and XXXX my social security number is XXXX
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to express my ongoing concern regarding the persistent inaccuracies in the late payment accounts on my credit report. Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Mercari, Inc. (FL)

I bought XXXX XXXX  figure off mercari  marketplace on XX/XX/15 and made return and seller accepted and I never got the refund from mercari even though the seller refunded me.
Consumer complaint received 2023-10-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc. (NJ)

1. Eastern Revenue inc Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} Date open : XX/XX/2023 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX creditor : XXXX Balance : {$320.00} Account : XXXX XXXX. XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX Balance : {$970.00} Account XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX : {$360.00} Account XXXX XXXX XXXX All report different on my credit reports.
Consumer complaint received 2023-11-21
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. (FL)

This is my 2nd request In accordance with the Fair Credit Reporting act XXXX 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.

This is law!
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This complaint is against Wells Fargo Bank, their way of doing business, and treatment of Customers. And last but certainly not least- as their record / reputation validates- being an easy target and Gold Mine for identity thieves. Both Wells Fargo and the identity thieves have opened accounts in my name, and without my authorization. I cant get into my account, because I didnt open it. And to make matters worse, Wells Fargo will not help me get into my account, which is opened in my name, by utilizing my personal information. As stupid as this Sounds, it is so true. And Wells Fargo is the expert in giving the run-around,
Consumer complaint received 2023-11-21
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)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CAXXXX ; XXXX XXXX XXXX XXXX XXXX, CAXXXX ; XXXXXXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXX  XXXX Balance : {$5000.00} ; XXXX XX/XX/2022.
Consumer complaint received 2023-10-27
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)

THIS ACCOUNT WAS CLOSED DUE TO FRAUD/IDENTITY THEFT AND NEEDS TO BE DELETED FROM MY CREDIT REPORT

XXXX XXXX Acct Number XXXX XXXX Date Closed XXXX XXXX XXXX  
THE ACCOUNT SHOULD NOT STILL BE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT ex...late payments, charge-offs, collections etc...
Consumer complaint received 2023-07-17
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. (FL)

On XX/XX/2023, I sent XXXXXXXX XXXX XXXX XXXXXXXX XXXX a letter requesting a copy of a XXXX XXXX because they have claimed i owed a debt that was charged off. I received no response. 
On XX/XX/2023, I sent XXXX another letter, expressing my right as a consumer to opt out of my private information being shared with a non affiliated third party. 

I also disputed this with the credit bureaus to no avail. 

To date XXXX has not responded to any of my mailings despite me sending then certified return receipt.
Consumer complaint received 2023-11-21
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. (FL)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX. XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXXXXXX XXXX ) XXXX  Balance : {$6300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-21
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)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 2023-11-21
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
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. (FL)

I am writing to file a formal complaint against XXXX, TRANSUNION, and XXXX regarding their failure to remove fraudulent accounts from my credit report despite providing substantial evidence proving that these accounts do not belong to me. I request your assistance in resolving this matter and rectifying the inaccuracies on my credit report. 

I have repeatedly contacted the credit bureaus, providing them with documentation including police reports, identity theft affidavits, and correspondence with the fraudulent creditor, proving that these accounts were opened fraudulently and are not associated with me. Despite my efforts, the incorrect information remains on my credit report, negatively impacting my creditworthiness and financial stability.
Consumer complaint received 2023-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (NC)

I began receiving mail this summer about insufficient insurance coverage. I contacted Flagstar about it since they did not require it when they held the previous mortgage. I refinanced and they bought it back. They told me I had to procure around XXXX more in coverage to which I got XXXX more and now. They put my mortgage in Escrow due to the insufficient coverage and now will not take me out even though I have procure more than enough coverage. They are extremely difficult to contact, do not call back timely, and will not provide any copies of why they are doing this other than vocal notifications over phone and just continuing to send the new bill. The amount they are charging me monthly is significantly more than twice the amount I am paying for coverage that exceeds what they procured without my permission. Again, they are extremely difficult to get ahold of and do not check their online repositories for the documentation about the insurance coverage that they direct you to post your insurance coverage.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2020-07-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (GA)

Currently there is a company by the name of professional Debt Mediat on my credit report. I have absolutely never entered into any contract or agreement with this company. They are reporting on behalf of a company I had previous dealings with. They have inflated the amount I owe to this company trying extort additional money from me that I do not owe. The company I owe sent me a email advising what my final bill would be {$760.00} this company Professional Debt Mediat states I owe {$1600.00} this company is in complete violation of as I have never opened a loan or credit account with them. I have from courtesy sent several emails and tried calling several times to try rectify the situation each time being told I need to contact XXXX XXXX which is the company I have prior interest with. XXXX XXXX advises I need to contact Professional Debt Mediat who I don't have any relation to settle this matter unfortunately being inflated charges with this company. I'm requesting this matter be solved and Professional Debt Mediat be removed from all three credit bureaus as I did not enter in any agreements with this company.
Consumer complaint received 2018-10-23
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. (TN)

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TransUnion LLC, XXXX and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
Consumer complaint received 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

We submitted every requested documents to Select Portfolio Servicing but it seems that they are asking for documents on a piecemeal manner thus prolonging the short sale process. It appears that they are not seeing the urgency on our case as they will just say that they need another 30 days or for every document that they ask and receive from us. We have a very good offer on hand and there's a tendency that the buyer might walk away because of the prolonged process.