davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-01
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. (CA)

I hope this letter finds you well. I am writing to bring to your attention a grave matter that requires immediate resolution. After conducting a recent review of my credit report, I discovered several entries indicating bankruptcy claims associated with my name. I want to emphasize that I have no knowledge of these bankruptcies, and they are entirely erroneous. It has become apparent that I am a victim of identity theft, and I am reaching out to seek your assistance in rectifying this urgent matter. 

The details of the inaccurate bankruptcy claims are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I vehemently dispute these bankruptcy claims and wish to emphasize that they are a result of identity theft. I have attached a copy of my identification, along with any supporting documentation, to validate my claim. I request a thorough investigation into this matter to determine the origin of these fraudulent activities and to take the necessary steps to remove these inaccuracies from my credit report. 

Please provide a written confirmation once the investigation is complete and the inaccuracies have been rectified. Additionally, I request that you take steps to enhance the security measures on my credit file to prevent further instances of identity theft. 

Thank you for your cooperation in addressing this critical issue promptly.
Consumer complaint received 2023-12-01
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)

The accounts listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-01
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. (NY)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

During the month of XXXX my account was hacked after receiving an invitation to register on the website XXXX to bid on repossessed cars. Soon after giving the website my financial information my account was continuously debited for items I never bid on or received and I was charged for the items even after contacting the merchant. Soon after this my account was fully taken control of and I was locked out of the account and when going to a branch I would be told I needed to speak with customer services on the phone. The customer service over the phone was unable to verify me due to my phone being stolen and me not being able to verify identity. I suffered a mental breakdown and was placed in treatment. Upon my release I was able to get new documentation to verify my identity only to learn my account had been completely drained and had a negative balance, I also learned my savings account had been changed into a checking due to the large amount of transfers being placed
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Upgrade, Inc. (NC)

I'm reaching out to report XXXX XXXX XXXX XXXX ( via XXXX XXXX ) violation of Regulation E ( CFR 12 Part 1005 Regulation E ) On Wednesday XX/XX/XXXX at approximately XXXX XXXX, I was notified of XXXX fraudulent ATM transactions made with my XXXX XXXX XXXX  XXXX card at a convenience store XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX XXXX  XXXX During this time, I was at my home approximately XXXX miles away in XXXX XXXX XXXX, with the ATM Debit card in my possession. The bank was able to BLOCK all but 2 ATM transactions totaling {$380.00} removed from my checking account. 

After verifying that all 8 transactions were fraudulent via an automated phone system ( XX/XX/2023 - XXXX XXXX  ), I placed a call to cardmember services ( XX/XX/2023 - XXXX XXXX  ), reported my debit card information as STOLEN, requested cancellation of the card and requested a dispute against the fraudulent charges. At this time I was given a dispute resolution case number, XXXX and informed that I would be notified when the resolution was processed and a decision was made. This call ended at XXXX XXXX on XX/XX/2023. 

On XX/XX/2023 at XXXX I was notified by XXXX XXXX XXXX Cardmember Dispute services that my dispute was denied and that no portion of the fraudulent ATM withdrawals would be refunded to my account. 

On XX/XX/XXXX at XXXX XXXX, I placed another call to XXXX XXXX XXXX Cardmember Dispute services and referenced my case number XXXX. During this call the representative re-iterated that the decision made by the dispute resolution team was to not refund the fraudulent charges on my checking account. I informed the representative of my rights under CFR 12 Part 1005 Regulation E and insisted that the stolen funds be returned to my account, to which the representative said that they would re-open my dispute resolution case but also informed me that it was unlikely that I would receive reimbursement for the fraudulent ATM transactions. This call ended at XXXX XXXX on XX/XX/2023. 

At this time I'm not sure how to proceed with this institution who believes federal banking regulations don't apply to them, so I'm submitting this complaint in hopes it can be resolved.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I wired a Fraudulent company {$5000.00} from my personal Chade account on XX/XX/2022. 
After the company took back their truck, fired my driverI requested a refund. XXXX XXXX XXXX XXXX XXXX XXXX refused to refund my {$5000.00} deposit. I Spoke to my institution many of times. Chase reached out and never got back to me with what this other Bank said. My Bank will not refund this wire to a fraudulent company.
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

USAA is my financial institution that I used for a third-party loan to XXXX. Check was sent by USAA with incorrect information or account on the check. I requested a dealer funding request from USAA but the document sent by USAA was not a dealer funding request. It is attached. After submitting the required Vehicle Purchase Agreement to USAA instead of providing me with a dealer funding request the representative took the information from the Vehicle Purchase Agreement and processed a check with incorrect details. I have contacted XXXX XXXX as well and provided them with a copy of the front and back of the check and they confirmed it is in the XXXX XXXX auto loan account, but they need USAA to work with them to get the funds returned. USAA will not reach out to XXXX XXXX and continues to blame myself for giving incorrect information. USAA did not follow their own processes when creating the loan and issuing the check and refuses to assist.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

This account was charged off on the following date : XX/XX/2023 since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/2023 ) an on XXXX its ( XX/XX/2023 ) if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account front my friend report. 
Account Number : XXXX Account Number : XXXX
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by " XXXX  '' limited which involved me making deposits for a total amount of XXXX XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

My name is XXXX 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 accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (DE)

y Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by XXXX XXXX that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE XXXX XXXX XXXX Which was brought by LUV funding was previously deleted for false information and inaccuracies. This company has me listed as a charge off but is illegally reporting me as paying for an account that is current listed as closed. This is against FCRA compliance. This needs to be removed immediately. Please send me a copy of the updated credit report. There is also a fraud alert on my account in which the company has not complied with. Multiple Fraud alerts have me placed on my account. XXXX has received several notices disputes and police report numbers. They have yet to remove this inaccurate information from my account. 

The information is in accurate the debt was sold without my permission or written signature to a collection agency. 

I have asked for original proof of ownership as well as a copy of my Identification and wet signature.
Consumer complaint received 2018-11-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

Veteran trying to modify loan, started XX/XX/XXXX, was using XXXX XXXX XXXX benefits but amount is more since goes to school but bank wants EXACT! Have explained and fax and explained and email and still dont listen. Took of school va benefits and used XXXX  job pay stubs on XX/XX/XXXX changed the RMA form and faxed and emailed, always an excuse that cant read so emailed. On phone today XX/XX/XXXX for an hour, talk to rep at loss mitigation, then asked for supervisor was rude, so asked for someone higher, explained same information, was rude also, asked for someone higher left me on hold, re emailed again since keep saying fax no good! As a veteran, just trying to save home, this is the worst bank and is harrasment! So will keep complaining till someone will handle this account, veterans have resources but if bank can not read and rude reps something needs to happen!
Consumer complaint received 2023-12-01
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. (OH)

This is the second time I have asked XXXX XXXX XXXX XXXX Account # XXXX to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice 21 days before the due date before they can consider a payment later, I never received any of this. By LAW XXXX XXXX is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2024 I try to paid a transaction for {$520.00}, thru a pin pad machine when I put the pin the system give a error that said exceeded the ATM amount daily, and that day I didnt use my card, and I try again to paid the transaction for the same amount {$520.00}. And received the same error, I coul to my bank to ask what happened mith my card and the lady told me that the XXXX XXXX  present some systms errors and they being working to fix the problem so I can try later. But when I check my account I saw the two transactions pending and when the merchant close the batch this last two transactions didnt appeared. The next day I saw the transactions was being debit from my account and the merchant dont have that credit for this two transactions. And I called my bank and they dont want to give the credit for the two transaction, just only for one and said the problem is for the two transcations because the merchant didnt have the credit, finally the open a claim and give me a temporary credit for the two transactions and I called the processing company to ask more information for this situation and they explain if the transaction didnt give an approved code the transaction didnt go thru and that was the case the machine never give an approved code only show the errors that exceeded the atm amount daily and the same proof of the report that didnt show aproved code. And the merchant never received that credit for this amount until this dated, on XX/XX/XXXX When I checked my account I noticed my bank made the debit for the transactions and I called the claim Department they told me they closed the claim because the transaction going thru correctly because the merchant response to the his investigated department they received the funds and i requested approved of this confirmation to show that to the merchant but they only send me the same letter that was sent to me since the first day a filed the claim. And I called againg to ask for this proved and they told me this claim department dont have this information the only department have the exactly information it is the investigate or financial department, but it is complicated that I have access with this department. I have an open cause with the merchant to see what finallet happened but already passed 10 business day and I dont received any news.
Consumer complaint received 2023-12-01
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-01
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-06-04
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: OneMain Finance Corporation (IN)

Received letter from one main financial dated XX/XX/year> stating we have exercised all investigation and resolution options available and unable to assist with the dispute because it was not received within XXXX days of the charge. This is not true. I did contact Customer Service within the XXXX day timeline. Customer Service never opened the dispute. Claim number XXXX