davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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)

Im 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 the FEDERAL TRADE COMMISSION 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 removing 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I sent a letter last XX/XX/XXXX to delete these listed items in my credit file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again for you to review the negative items in my file. The items are listed below : 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 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 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
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My account was closed for fraud which I reported. However, my paycheck went into the account after it was closed. I have called every single day since ( XXXX ) and asked for my paycheck and they are withholding it and saying they have the right to do so.
Consumer complaint received 2023-06-13
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: SYNCHRONY FINANCIAL (FL)

I never used my credit to apply for any car loans or credit cards. I never gave any of these companies to run my credit report for loans ; car loans ; and all other hard inquiries. 


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! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERA to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTR consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE + to report anything on my consumer report which violates my rights as a federal proted consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the below list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXG account # XXXX *XXXX XXXX XXXXE account # XXXX XXXX XXXX XXXX account # XXXX *ALL PRIOR ADDRESSES LISTED ON FILE THEY ARE SHOWING *ALL PRIOR PHONE NUMBERS LISTED ON FILE THEY ARE SHOWING XXXX TRANSUNION, AND XXXX have violated my rights as a consumer and disregard to the laws set forth in FCRA.

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 an 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 more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states ; a person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patenaude & Felix A Professional Corporation (CA)

ON XX/XX/XXXX, at XXXX ( PST ) a man served me with papers. Reading papers it was from XXXX XXXX. A bill from XXXX. Contacted XXXX to find out what bill this was since I never received any notification that a bill was in jeopardy. Was told account was sold to XXXX. They in turn stated the bill was OUTSOURCED and was unable to give any information and contact attorney that is doing, but the attorney is requesting by the court for me to locate documents proving I don't own this account. If I can't get original documents or charge off paperwork how can I prove anything? No communication from anyone by phone or mail has been received. 
XXXX XXXX
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all   XXXX   bureaus ) shows a   XXXX   XXXX   XXXX   account. I never had a  XXXX  account. there is a memo that states it  may  be a   XXXX   XXXX   XXXX  account which was included in my bankruptcy.  XXXX  is reporting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has crushed my  credit score  and needs to removed ASAP. This is double hitting my  credit score  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  XXXX  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have XXXX XXXXy for my Bank of America card but I also made XXXX extra separate payments beginning in XXXX, XXXX and XXXX on my Bank of America credit card which amounted to almost {$2500.00} and the money was not applied to my active account. Instead the money mysteriously was applied to an inactive business account and no one can explain why it went there instead of my personal account. I discovered this mistake last week and attempted to fix this error. I contacted B of A online. They said that the money will be transferred to the proper account but it may take up to one or two billing cycles. In the meantime, I am paying full interest on money due. It also then limits if I have a big purchase to make as well. What is the delay? They should be paying interest on my money.instead of charging me. When you attempt to talk to them via phone, they hang up on you when you ask them questions as well. Can you help me? Thanks in advance.I also went today XX/XX/13 to a local B of A bank in person to ask them to fix this problem and I got the run-around and they are shifting the blame to my personal XXXX XXXX. This is totally inaccurate, B of A made the error and refuses to make it more timely. Thanks again
Consumer complaint received 2023-06-12
Product: Credit card or prepaid 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: Chime Financial Inc (VA)

Bought a new TV and never activated XXXXXXXX XXXX XXXX .When trying to activate it on my new TV it gave me a code to sign on with my computer or mobile phone. I choose using my mobile phone. It said i was having trouble signing on with code and gave me a number to call. Thinking that this was a secure server that XXXX had in their network i called the number. The person who answered said that he was with XXXX XXXX department and somebody in Ohio was using my account. So in order to make sure my account was not being used he needed to go through a verification process to confirm my identity. He said that we were going to do some dummy charges to my card and that it wouldnt be charged to my account. Also if they were XXXX would be held responsible for it. After several verifications he said that the process wasnt finish yet. So i began to get cautious and started snapping pictures of the charges and watching my accunt on my laptop. When i seen my account getting to be less than what it was i required him to put my account back to what it was or i wanted to speak to a supervisor. That when credited my account back with XXXX $ and XXXX  $ with the XXXX logo that said refund and cancellation and with chime when money is credited back to your account it credited in green. He re credited my account back so i was thinking it had to be someone with XXXX.
Consumer complaint received 2017-05-03
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: Experian Information Solutions Inc. (TX)

I had an account with this company  XXXX  years ago but everything was returned. Now the company is reporting I owe them to Experian. It 's under an incorrect address, the account is listed as closed and charged off but they keep changing the balance. I 've contacted them via certified mail in  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX , and  XXXX   XXXX   XXXX . They failed to mark the account disputed which is a violation of law they also keep dtatint account verified however when asled to produce the validation information or signature binding me to the contract they do not or they do n't respond. I 've been keeping careful documentation of my communication with them. The account started off at {$2400.00} now it 's {$3000.00} and stated the account has a credit limit and it 's closed and charged off. I 've now sent certified letters to Experian as well and they are saying it 's validated but are refusing to send me proof or contact information for the creditor and has not removed it or marked it disputed. This account is incorrect, not following metro  XXXX  compliance, unverifiable and unfair reporting.
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I mailed out my FTC identity theft report to notify these companies that I am a victim of identity theft. I reported to them that I did not open or authorize this account, and I requested that it be closed immediately. I asked them to please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have sent a copy of my FTC Identity Theft Report. Because the information that they are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

I dont know what this company response to previous complaint please investigate with explanation to me also. Ive written mail complaint to XXXX of HUD and President Biden along with this agency! 


Account Details This account was closed on XXXX XXXX, XXXX SELECT PORTFOLIO SERVICI Last reported XXXX XXXX, XXXX {$0.00} Reported balance Highest balance XXXX You've paid off 100 % of this loan {$110000.00} The matter of Select Portfolio Servicing Ins, account number XXXX reported close on XX/XX/XXXX with XXXX with " Nice! You've paid off 100 % of this loan. 
I learn this through a credit reporting agency on XX/XX/XXXX not once has this agency written me about this report continue to collect the amount when paid it! 

SPS still was sending statements of payments probably misapplied payments also. 
This seems like fraud or intent to defraud without transparency of this account status. Since this account is reported paid in Full XXXX balance. I XXXX XXXX XXXX as mortgagee should receive the Deeds and Title to the Property located at XXXX XXXX XXXX XXXX XXXX, LA XXXX This is what SPS reported to credit reporting agency. 


Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I contacted XXXX regarding a {$1400.00} debt created on through fraud using my social security number and most likely part of my name on or around XX/XX/2023. XXXX transferred me to their collections then to the fraud department. Each representative was being recorded by CSID and by their own system and at each level was informed of the recording. The Fraud Representative with XXXX verified that the address I provided, my address for the past 7 years, was not in their system. He further verified he did not have record of my middle name or the phone number I provided. They are investigating but refused to provide me the name and information of the individual. I have filed a police report with the City of XXXX regarding the fraud that XXXX facilitated by issuing credit to someone besides myself which has negatively impacted my credit score. XXXX Police Report tracking number currently is XXXX and the reprort was filed on XX/XX/2023. I attached the initial police report and a copy of the Esperian report for the file.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was charged two amounts on my CapitalOne Venture card on Friday, XX/XX/2023 : one for {$1000.00} & {$960.00}. These were both fraudulent charges. I was alerted of fraud by the credit card company and I immediately disputed the charge, cancelled my existing credit card, and started a fraud investigation ( within minutes ). These charges officially hit my account on XX/XX/2023. 

I was alerted that my fraud investigation was completed and they found insufficient evidence of fraud because information we discovered leads us to believe you or another account user benefitted from the transactions After talking with the fraud department, they informed me that the chip technology was used in the transaction and therefore it means that the physical credit card was used to make the purchase. However, I was not in the location of where the charge was made, had never been there before, and physically had the credit card still in my possession. I am the only person connected to this account and no one else has access to this card. 

I tried to defend the purchases as fraudulent but they informed me that there was nothing they could do and that I had reached the top level of the fraud management department and that I was responsible for the charges. 

I was told that I was not able to receive additional details about their fraud investigation ( eg : what steps they took to deem the activity to be not fraudulent ) as that knowledge would disrupt the overall investigation and be not legitimate. 

The individual I worked with in the fraud department was XXXX, CapitalOne ID # XXXX. 

Thank you.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (TX)

On XX/XX/2023, a check for {$48.00} cleared my account with PNC bank ; however, PNC bank erroneously posted the transaction for {$1200.00}, causing me to be overdrawn incure overdraft fees and depriving me of the use of my money causing me hardship. On XX/XX/XXXX, I personally went in to the bank and they realized they had erroneously posted the wrong amount and assured me the error would be corrected that same day, however, it wasn't. On XX/XX/XXXX, I called the customer service line to ask for my money, and they told me to go to the bank personally and take care of the issue I need help as this is causing me and my family hardship. 

In the meantime that I don't have my money, PNC is using it interest free and this is fraud and deceptive.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Hello, The Chase online payment service has misguided me which resulted in an interest charge recently. 

I'd enrolled the e-bill service for XXXX credit card with the Chase bank and set up a monthly of automatic online payment with the option of " balance due ''. However, Chase only sent the minimum payment of {$35.00} on XX/XX/23 without my knowledge, which resulted in an interest charge of {$3.00} by the XXXX. 

On XX/XX/23 I called the Chase and some a tech support supervisor named XXXX confirmed with me that there are some tech issues for the online payment service. XXXX kept apologizing to me and told me that he's not able to solve this issue. 

On the same day I called and talked with another representative named XXXX to address the same issue. XXXX also apologized to me and advised me to ask a refund from XXXX, which is totally irresponsible and unacceptable. 

I can not agree that the Chase bank has been aware of their issues but refuses to be responsible for the loss of their customers.
Consumer complaint received 2022-03-23
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - Date of inquiry : XXXX XXXX - Date of inquiry : XXXX XXXX XXXX XXXX - Date of inquiry : XXXX
Consumer complaint received 2023-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have filed a complaint against Resurgent/LVNV Funding before over this issue. However, The Original creditor has provided me with all documentation needed and new information has come to light. XXXX XXXX sent me Statements for 3 account. in actuality, It was only two account, but the third account links the first one that is held with Resurgent and the second one that is held with XXXX. ( I included the first 3 pages of each account. 

And I do remember now exactly what had happened. I stopped paying the account held with Resurgent over fraudulent charges and XXXX XXXX did not provide any help in resolving the matter, so I had the account closed and told I would still owe the balance, I only had the account opened for about 14 days. I later re-applied with XXXX  XXXX, but the only way to do that was to pay the original balance off I had with them, but since the first account was closed they created a 3rd account and initiated a balance transfer from the account XXXX XXXX sold to LVNV Funding LLC. and to the account that was sold to XXXX XXXX XXXX. 

If you put the first page of each Statement for all three accounts from oldest to newest. you will see the middle account was used to transferer the balance from the 1st to the second account. The debt Resurgent is attempting to collect on behalf of LVNV Funding is invalid. I understand that XXXX XXXX pulled a fast one on both of us. But you purchased the rights to a debt that never existed and I am in no way legally responsible for that.. 

I understand that you didn't have knowledge and could not have known. However, now you do know. So I request that LVNV Funding LLC immediately withdraw the debt, cease all collection efforts and remove in its entirety all reporting of this account to all three Credit Bureaus. Knowingly attempting to collect a debt not legally owed is violation of Federal, State and local law. and you are now made aware of the legality over the debt.