davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
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. (NY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
This account ( XXXX XXXX XXXX XXXX ) should not be furnished on my consumer report as it is in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I sent in a dispute about XXXX  months ago to have the credit agencies remove this account and they just responded and said that it was verified. The XXXX reporting agencies have several items that do not match. This account is for XXXX XXXX XXXX. This is how the XXXX agencies are reporting their information about this account. 
Date opened : Transunion = XXXX, XXXX = XXXX, XXXX = XXXX High Balance : Transunion= {$16000.00}, XXXX {$14000.00}, XXXX= {$16000.00} Date Reported : Transunion=XXXX XXXXXXXX XXXX XXXX. 
How can these XXXX agencies claim to be accurate when they are all reporting data that doesn't match each other on so many items? 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX accurate information>
Consumer complaint received 2023-10-02
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 submitted a letter to the 3 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

I entered a program with Chase mortgage, a loan forbearance program due to the hurricane, where I would skip a few monthly mortgage payments and they will add those payments to the back of the loan. Chase send me mortgage contact that says I had to sign and return to them saying that I owe 6 months mortgage payments, that is false, I owe them 5 months. I called them and they confirmed that it was indeed 5 but they are withholding my last mortgage payment until I sign and return the new mortgage contract and that's why it shows 6 and not 5. They are hijacking one of my payments until a sign a fraudulent document. They will not send me a new document, and told me not to contact the authorities. 
XXXX XXXX
Consumer complaint received 2017-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I was behind on my XXXX XXXX credit card in XXXX before my new due date i caught all my payments up and paid XXXX on my report it said ok for my XXXX payment until I made my XXXX payment now XXXX says 60 days late
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE XXXX XXXX XXXXXXXX XXXX XX/XX/2022 To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXXXXXX XXXX I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/2022, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. 

During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score.

It would assist me tremendously if you could make a goodwill adjustment that delete these negative account entrys from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (CA)

I noticed an unauthorized charge that took all of the money out of my account ( {$200.00} ) on the XXXX of XXXX XXXX I immediately called to let the bank know this was unauthorized, and I need the charged reversed ASAP as I live paycheck to paycheck and this would be a big hit to my financial situation. 

I was assured that I would be credited my money back within a 7-10 day period and would be receiving a new debit card. I bugeted the little money I had, and called back on the XXXX of XXXX XXXX  to see where things were at. At this point I was told an investigation has to be completed and an affidavit had to be sent to me and filled out and returned. I had already received my new card at this point, but no affidavit, and They said it could take up to 45 days to have the issue resolved. 

I called back again on the XXXX of XXXX XXXX and ask why it will take this long and what it takes to investigate. I am basically told that its company policy and nothing more. I ask to speak to a supervisor and am hung up on. I called back and got no answer. 

I called again after waiting several days on the XXXX of XXXX XXXX, and still have not received an affidavit. I am very frustrated at this point and have exhausted all my resources. I spoke to an employee in their call center, which seems to be outside of the country, and tried to relay my issues. Again I was told an investigation and an affidavit had to be completed, and now that it will take up to 90 days to get my money back. I told them I still had not received an affidavit, and don't understand why a temporary credit can not be posted to my account while the investigation is ongoing. Once again, they explain to me this is the process and I will just have to wait it out.
Consumer complaint received 2024-04-06
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. (PA)

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. Act Name : XXXX XXXX XXXX, XXXX Name : XXXX XXXX XXXX, XXXX Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX, XXXX Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely XXXX
Consumer complaint received 2024-01-10
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

During the height of the XXXX period. The stores accounting department was shut down. During this time I was being billed for a product that had been returned. The issue was corrected and all fees were dismissed, but on my credit report it still reflects late or missed payments
Consumer complaint received 2017-12-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXX repeatedly called my parents house in regards to a medical bill that was a few days late for my wife. My parents notified them all 3xs that this was not my wife 's house and please do not call the number again. XXXX XXXX even informed my parents that this was a XXXX bill debit collection.
Consumer complaint received 2020-07-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MS)

i notice a negative item on my credit report from ENHANCE RECOVERY COMPANY for an alleged amount of XXXX $ that i do not owe, so i sent them a letter on XX/XX/2020 with all the information that i requested from them concerning this and i have attached a copy of the letter below asking for the removal of this item.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023. I went to Chase Bank and deposited XXXX  into my business account, of which I used {$5000.00} to pay my bills. 
On XX/XX/2023. I logged into my online account through my mobile phone to check my balance and it turns out that they made a Domestic Wire Transfer in the name of XXXX XXXX XXXX, who is a person I do not know and did not authorize this transfer. The other XXXX dollars said " Pending '' to be withdrawn as well. But I immediately called Chase Bank to tell me what was happening and why I had not received a notification before authorizing my money and only the XXXX dollars that they said were pending could be canceled because they had not yet left the account but the XXXX  dollars had already The transfer had been made without my permission or authorization. Since then I made the complaint but did not receive any response. I kept calling and they told me that the case was closed and that to reopen it I needed evidence and I went to the police and made the report which has been sent three times from the same Chase bank and still they did not give me a positive response. They don't tell me anything, they just say that I authorize that money and that's not the case. In my account I only had two cell phone numbers, mine and my daughter 's, and the person who hacked my account deleted my daughter 's number and put in a strange number that I don't know and from there they did everything until my account was online. It's blocked. 
I've been trying for months and now it's been a year already to get Chase Bank to respond to me and return my money and nothing. I have called many times and gone to the same branch for help and nothing. The solution I ask for is that the bank take responsibility and please give me my money back because this is not the first time that the bank has taken money from my accounts without my authorization.
Consumer complaint received 2022-02-14
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: Santander Consumer USA Holdings Inc. (MS)

The account with SANTANDER with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time in XXXX. There is no payment report in my XXXX while in XXXX, it shows that I have late payments that I am not aware of. I would like to request for complete payment on this. The Bureaus are given 30 days to investigate, validate and provide feedback to the complainant. Also, supporting documents should be submitted to the complainant 's address to confirm the accuracy of the result. Failure to comply with the following requests should result in the immediate deletion of the account. 
SANTANDER XXXX XXXX : {$10000.00}
Consumer complaint received 2022-12-19
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. (AZ)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2022-12-19
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. (PA)

XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits transunion reports {$950.00} XXXX  reports {$0.00} XXXX reports {$910.00} they are reporting different dates of last payment on my report transunion and XXXX are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX they are reporting 3 different dates of last active transunion reports XX/XX/XXXXXXXX XXXX reports XX/XX/XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses
Consumer complaint received 2024-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (LA)

Revco Solutions , Inc. mailed me a bill via postal mail. I never had any contracts with Revco Solutions , Inc. nor did I give this company my permission to contact me. I believe Revco Solutions , Inc. purchased my information from XXXX XXXX. in which I did not give XXXX XXXX. permission to sell my information to Revco Solutions. Revco is a third party debt colection agency who is trying to collect a debt that I do not owe to them. Revco Solutions Inc and XXXX XXXX has violated my privacy.
Consumer complaint received 2022-12-19
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. (PA)

XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX  reports {$500.00} experian reports {$0.00} XXXX reports {$360.00} they are reporting 3 different dates of last payment on my report XXXX  and experian are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX but if you look on the 2  year payment history XXXX is also reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active XXXX  reports XX/XX/XXXX experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (PA)

The first Conciliation Conference was held on XXXX XXXX. My Wife, Who is on the DEED and has a Power of Attorney, logged in to the XXXX meeting but when my name and case was called the attorney for the lender said that Complaint has not been served to Defendant and the they're moved to the next case. The next conference was scheduled on XX/XX/XXXX. On XXXX we contacted Specialized Loan Servicing and applied for the short sale approval with all necessary documents attached and asked to put Foreclosure on hold. We received an email from XXXX XXXX XXXX XXXX XXXXXXXX stating that our application is under review. On XX/XX/XXXX we received via mail Package of documents with the Short Sale Program Approval. On the same day we got court document stating that Defendant failed to appear to the zoom Metting on XX/XX/XXXX and the STAY IS LIFTED. We were under impression that because we applied for the short sale, we don't need to attend the Conciliation conference on XX/XX/XXXX. This file should be on HOLD.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX Account # XXXX Amount : {$110.00} XXXX XXXX  Account # XXXX Amount : {$140.00} XXXX XXXX Account # XXXX XXXX : {$2300.00} XXXX XXXX Account # XXXX Amount : {$270.00} XXXX contacted this creditor ( XXXX XXXX XXXX ) on XX/XX/XXXX @ XXXX @ XXXX which is also the number that is furnished at the bottom of my consumer report for me to contact regarding this account. I requested to speak with a supervisor and explained I have not received a 1099-C form due to the account being written/charged off as loss/paid debt. It will then become taxable income for me to file which is prohibited to furnish taxable income on a consumer report per FCRA. The supervisor stated the account has been turned over to a collection agency known as XXXX and he can not provide me with additional information due to no longer owning the account. He then proceeded to transfer me to the agency. The line had given a busy signal and then disconnected. I then tried contacting them directly with the number the supervisor provided me which is XXXX and it never rings only to provide me with a failed call message. I would like this account to be removed from my consumer report as it is hurting my chances to obtain credit or continue with my homebuying process. I would also demand for the additional accounts that I have listed above to be removed as well due to not receiving a 1099-C form, the account being listed as charged off and the creditor not being able to provide me with additional information. These accounts have been disputed in the past beginning XX/XX/XXXX as well as validation of debt letters sent directly to the creditors on XX/XX/XXXX with no response.
Consumer complaint received 2022-12-19
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. (PA)

XXXX XXXX  is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX  reports {$500.00} experian reports {$0.00} equifax reports {$360.00} they are reporting 3 different dates of last payment on my report XXXX  and XXXX are reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX but if you look on the 2 year payment history equifax is also reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active XXXX  reports XX/XX/XXXX XXXX  reports XX/XX/XXXX equifax reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses