davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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. (OR)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX
Consumer complaint received 2024-04-17
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. (PA)

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX, Dear XXXX I am writing to dispute the following information that appears on my Experian consumer report : Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : AUTO/VEHICLE Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I am 100 % XXXX XXXX XXXX XXXXXXXX veteran who is not required to pay real estate taxes. I have Requested from PENNY MAC several times for escrow account deletion for several reasons. The first being I do not pay real estate taxes. Second, when I was Previously required to pay real estate taxes PENNY MAC was consistently late paying my taxes every time they were due over a two year span ( 4 payments ) from XXXX I would receive a tax delinquency letter from the county, and would have to immediately call Penny Mac to pay the taxes. Despite calling them every time to pay my taxes, they continue not to pay it on the next next due date. The third reason I have requested escrow account deletion is because I have a VA back loan and I am not required to have an escrow account thus allowing me to pay my homeowners insurance directly myself. PennyMac has denied me the ability to pay my owners insurance myself, despite having at least 20 % of my home loan in equity. Lastly, PENNY MAC denied my escrow deletion stating I have Been delinquent on my home loan. I have Not been delinquent. I was Approved for forbearance and upon forbearance ending I paid The lump sum of payments not due during forbearance. Additionally, no where in my PENNY MAC paperwork does it say my loan being in forbearance is considered delinquent. In fact, I was not delinquent prior to forbearance thus my loan status should not have been reported to the credit bureaus as delinquent due to the cares act. I should also be refunded money in my escrow account which PENNY MAC refuses to do. Ever since I have Reported to PENNY MAC Im a a 100 % XXXX veteran they have not been willing to work with me and have only given me the ability to speak on the phone with their call center located outside the US. I did receive a call from PENNY MAC and the person left a false extension number thus not allowing me to call.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (MI)

Greetings XX/XX/XXXX American Express closed an account insufficiently and unexpectedly ( Credit Card Act of 2009 ) without advance notice of other significant changes ( 15 U.S.C.1637 The Truth and Lending Act has clearly been violated. I was never given advance written notice of this significant change to this account being closed 45 days prior to. All payments made to this account have been reported and recorded as on time and satisfactory by American Express XXXX XXXX XXXX XXXX XXXX These payments have been accurately recorded by these agencies as on time and satisfactory payment history. American Express then wrote me a letter stating that they would re-open My Account, which they then told me that I had to reapply which caused an inquiry and a denial of my credit. American Express has falsified additional reporting as unsatisfactory late payment history, which is in accurate and clear breach of their contract by defaming my character 28 US code section 4101, section 312231.05. With intentional and reckless malice, these statements were made to third parties. As of XXXX American Express continues to report to third parties as late and unsatisfactory.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

Stepped into Lobby of Bank of the West in XXXX, CA during normal business hours. I wanted to make a CASH deposit only. But the Bank Personnel informed me they couldn't process any CASH transactions because they were Transitioning.

Bank of the West is being taken over by B
MO Harris right now. But I never in my Life heard a Bank say " Sorry we can't accept your CASH ''. 

CASH withdrawals yes, but CASH deposits? The complaint is I was NEVER informed prior to the Merge that the Local Branches wouldn't be able to accept any CASH! I knew online access wouldn't be there but the Local Branches should be able to accept CASH deposits during normal Business hours, don't you think so? This is poor Bank Management.

So this is all of the complaint. But now a few of my online payments are gon na BOUNCE and its not any of my doing since BMO/Bank of the West couldn't accept a basic CASH deposit.
Consumer complaint received 2023-12-16
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. (MD)

I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions LLC (SC)

Receivable Solutions sent me a letter saying that I have a medical bill that is in collections. It had the name of a medical facility in it. I wasn't aware that I owed that amount, so I called Receivable Solutions to verify the info that they have for that bill. They gave me the name of the medical facility, the date, what specific test it was for, who the doctors that saw me were, the original amount before my insurance paid anything, and how much I owed. I then called the billing department at the medical facility to verify this information was correct. They told me that the info was completely incorrect, none of my bills have been sent to collections, and Receivable Solutions isn't even a collections agency they use. I've had a fraudulent collections bill from Receivable Solutions years ago. I filed a complaint about that too at that time and it was found that that bill was completely fraudulent.
Consumer complaint received 2024-04-17
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)

I am writing to formally submit a complaint to TRANSUNION regarding inaccuracies in the reported data on my credit file. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. My date of birth is XXXX, and the associated XXXX report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under XXXX XXXX XXXX sec. 
XXXX, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Consumer complaint received 2023-09-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Dear Sir/Madam, I am writing to bring to your attention a grave and ongoing issue concerning the inaccuracies and mishandling of my credit information by Equifax, XXXX, and XXXX. Despite my repeated attempts to rectify these errors through all available channels, the situation remains unresolved, and my credit profile continues to suffer as a result. 

For the past [ duration ], I have been diligently working to correct the inaccuracies on my credit reports. These errors include but are not limited to incorrect personal information, fraudulent derogatory remarks on accounts marked as " Paid, '' and unauthorized accounts listed, notably XXXX from XXXX which I have not authorized or consented to. 

I have followed all required procedures to dispute these inaccuracies, providing comprehensive documentation to support my claims. Despite this, Equifax, XXXX, and XXXX have failed to take appropriate action within the mandated timeframe, and the erroneous information persists on my credit reports. 

Furthermore, I have encountered significant obstacles in my attempts to communicate with Equifax, XXXX, and XXXX. Despite multiple phone calls, letters, and even notarized identification documents sent to confirm my identity, they continue to request further verification, unnecessarily prolonging the resolution process. 

These failures on the part of Equifax, XXXX, and XXXX are not only frustrating but also have severe repercussions on my financial well-being. The presence of inaccurate and unauthorized information on my credit reports affects my ability to access credit, obtain favorable interest rates, and conduct essential financial transactions. 

I urge you to investigate this matter promptly and take appropriate action to ensure that Equifax, XXXX, and XXXX fulfill their obligations under the Fair Credit Reporting Act. Specifically, I request that they promptly correct the inaccuracies on my credit reports and cease any further delays or requests for unnecessary documentation. 

Additionally, I wish to emphasize that the inclusion of " Chargeoffs '' on my credit reports is illegal, as consumer reports are not supposed to reflect income. Moreover, the presence of the XXXX account, which was sold to a third party without my permission, is a clear violation of my rights. 

I appreciate your attention to this matter and trust that you will take the necessary steps to resolve these issues swiftly. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if further information is required. 

Thank you for your assistance in this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-25
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : 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 Balance : {$0.00}.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sir/Madam, I am writing to bring to your attention a grave and ongoing issue concerning the inaccuracies and mishandling of my credit information by XXXX, TransUnion, and XXXX. Despite my repeated attempts to rectify these errors through all available channels, the situation remains unresolved, and my credit profile continues to suffer as a result. 

For the past [ duration ], I have been diligently working to correct the inaccuracies on my credit reports. These errors include but are not limited to incorrect personal information, fraudulent derogatory remarks on accounts marked as " Paid, '' and unauthorized accounts listed, notably one from XXXX which I have not authorized or consented to. 

I have followed all required procedures to dispute these inaccuracies, providing comprehensive documentation to support my claims. Despite this, XXXX, TransUnion, and XXXX have failed to take appropriate action within the mandated timeframe, and the erroneous information persists on my credit reports. 

Furthermore, I have encountered significant obstacles in my attempts to communicate with XXXX, TransUnion, and XXXX. Despite multiple phone calls, letters, and even notarized identification documents sent to confirm my identity, they continue to request further verification, unnecessarily prolonging the resolution process. 

These failures on the part of XXXX, TransUnion, and XXXX are not only frustrating but also have severe repercussions on my financial well-being. The presence of inaccurate and unauthorized information on my credit reports affects my ability to access credit, obtain favorable interest rates, and conduct essential financial transactions. 

I urge you to investigate this matter promptly and take appropriate action to ensure that XXXX, TransUnion, and XXXX fulfill their obligations under the Fair Credit Reporting Act. Specifically, I request that they promptly correct the inaccuracies on my credit reports and cease any further delays or requests for unnecessary documentation. 

Additionally, I wish to emphasize that the inclusion of " Chargeoffs '' on my credit reports is illegal, as consumer reports are not supposed to reflect income. Moreover, the presence of the XXXX account, which was sold to a third party without my permission, is a clear violation of my rights. 

I appreciate your attention to this matter and trust that you will take the necessary steps to resolve these issues swiftly. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if further information is required. 

Thank you for your assistance in this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, I was informed that Bank of America decided to close my checking account. I was also informed that it would take approximately 2 months for them to send me the money I have in my account. They would not tell me why they were closing my account or why it would take two months to get my money. I have over {$12000.00} in my account now. I need to access to my money to pay my mortgage, my employee 's salary, and other bills. I don't think it's right or fair that I have to wait so long to get my money. Denying access to my funds will cause hardship for my employee and cause me financial harm. I will be charged late fees on my bills and mortgage that I pay late. This will also harm my credit standing as late payments are reported to credit rating agencies. If the bank wants to close my account, that's fine, but I need them to send me my money immediately.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX XXXX and XXXX XXXX XXXX have incorrect information on their report. They did not provide bankruptcy information and other accounts accurately. 
XXXX XXXX credit card and XXXX  XXXX credit card as well.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On XX/XX/23, I attempted to make an online purchase for {$100.00} and the seller stated on their website my purchase was declined by the card issuer. Consequently, I called into customer service and talked to the fraud department. They stated I had to wait for some phone number to call after I receive either a phone call or letter XXXX business days later. This XXXX business day wait is unacceptable to me because this is like the XXXX or XXXX time I've spoken to the fraud department due to prior fraud alerts on the card and I've held this card for less than a month. In each of these prior instances, I've already proven I'm the person making the charges and confirmed all the charges. But this card issuer likes to keep playing these types of games and that's the reason I'm compelled to file this complaint today.
Consumer complaint received 2023-09-01
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: U.S. BANCORP (WI)

I have just been released from XXXX XXXX ( U.S. Department of Federal Prisons ) on XXXXBeen in since XXXX, when i reviewed my credit report with my Federal case manager they was outstanding balances on the report that was not from me... i have been a victim of Identity theft ..also i have sent proof to XXXX credit bureau... i just want to get this cleared up thank you
Consumer complaint received 2023-08-02
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. (TX)

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 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.
Consumer complaint received 2023-09-01
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: JPMORGAN CHASE & CO. (PA)

On XX/XX/23 I made a purchase using my Chase credit card in the amount of {$470.00}. 

The item says it was delivered on XX/XX/23, however I was not able to find the item and reached out to the merchant on XX/XX/23 at approx XXXX. The merchant representative told me that, since the item was stolen, I needed to file a police report. The representative also told me they would not issue a refund and that my only recourse was to hope the police recovered my missing item. 

I filed a police report, and then I disputed the transaction with Chase. 

On XX/XX/23 Chase uploaded a document to my account which stated that Chase believes the charge is valid, and included in the document were copies of the merchant 's receipt, a copy of the map of the city, and a photo of the merchandise sitting on the ground. Nowhere in the documentation is there any mention of where I can submit my supporting documentation. 

On XX/XX/23 I called the Chase dispute department and asked how to submit my supporting evidence, and the representative told me " Chase disputes no longer cover theft and this issue is considered fully resolved. '' This is in violation of the information listed on the FTC 's website regarding credit card disputes. Furthermore, in Chase 's own supporting documentation for the Chase Freedom Unlimited credit card it specifically states " XXXX XXXX protects against theft of, damage to, or involuntary and accidental parting with new retail purchases within XXXX XXXX XXXX ( XXXX ) days from the date of purchase. '' Chase is blatantly violating FTC regulations and is violating their own terms of service for their credit cards. 

I've also included a copy of a photo of a sign the property management company hung in the lobby of my apartment building because someone broke in and stole a bunch of packages from people. I would be happy to provide Chase with a copy of the police report number once a representative from Chase reaches out to me.