davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

i am a protected consumer. i know my rights. i certify that this request to block was made not in error, my request to block information was not based on a material misrepresentation, and i did not knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of XXXX or more of the transactions that i am seeking to block. under XXXX u.s. code XXXX you must block all fraudulent accounts. since i attached my form of id, and social security card, this complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2021-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Computer Credit, Inc. (CA)

I have received a high medical bill and trying to dispute the amount, however, neither my medical insurance " XXXX '' and the hospital " XXXX XXXX XXXX '' is not helping me with the process. I have called both of them several times but they are not being helpful and I am not receiving a fair response. I have received the treatment on XX/XX/XXXX and received the bill on XX/XX/XXXX. I had tried to dispute this claim back in XX/XX/XXXX to XXXX, however they denied. When I called them on XX/XX/XXXX, they had told me that they can not take my request for help since it has been more than 3 months since I got the treatment. I asked the XXXX XXXX XXXX not to send it to the collection agency as I was trying to resolve this with the Ohio Department of Insurance, however, they ignored my request and I received the bill by the following today, XX/XX/XXXX : Computer Collections , Inc . 
Claim Dept XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, NC XXXX Phone : XXXX Amount : {$1600.00} The bill shows a discharge date of XXXX however, I have received the bill for the first time on XX/XX/XXXX.
Consumer complaint received 2021-06-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There were many unauthorized inquiries placed on my credit report. The dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There is a total of 14 inquiries on my credit report.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I t 's been over 5 months TRACKED MAIL and no information given. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. Why have you no information been given to me regarding these accounts? All I see the is the accounts being re-reported to drop my score even lower..
Consumer complaint received 2021-01-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I do not understand why I have to keep submitting the affidavit and disputes to Equifax in one year. The first time was XX/XX/XXXX the second XX/XX/XXXX and the third was XX/XX/XXXX. We are now at the of XX/XX/XXXX and Equifax has still not DONE ANYTHING!!!!!!. XXXX  has already fix the issues why hasn't Equifax makes no sense. 
They are keeping me from opening an account with XXXX  XXXX XXXX because they have yet to conclude my fraud case. I have sent in the affidavit several times, so why is this taking over a year to complete? 
These are not my collections on my report and I have sent in proof they are not. If this is not taking care of I SUE!!!!! .. There is no excuse for this and why it hasn't been taking care of.. 

FIX IT NOW!!!!!!!!!
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2022 I had an appointment at a Chase branch at XXXX XXXX XXXX, XXXX, GA XXXX to open a Checking Account on a email promotion I received from them. 

I went there with my wife and wanted to open up a joint checking account. The name of the bank representative was XXXX XXXX. ( NMLS ID : XXXX ). 

She was very rude from the start of the conversation. She asked where are we originally from. We told her we were from XXXX XXXX. She asked for ID 's and was taking a long time to process our info. Eventually she said I have no proof of address and I can not open an account with Chase. 

At that time I had a Personal Credit Card Account, Business Credit Card Account, Business Checking Account and 2 separate Business Credit Card Processing Accounts with Chase. I listed my accounts but she became visibly aggravated. She started raising her voice and had a condescending attitude.

She stated that the Business and personal side of Chase are 2 different companies and that she will not be able to open an account unless I can provide proof of address.

As both me and my wife had 2 ID 's with us and my new residence is in the name of my Wife, we offered to sign a lease agreement on the spot. She then said she does not have a piece of paper we can sign a lease on.

Then I asked if she can print a document I sent to her email. She replied that the branch printer was broken. 

After that I asked to speak with the Branch Manager but she refused and asked us to leave. I refused to leave and I stated I am a customer and I refuse to be treated this way. She got very angry at that point and started threatening to call the police if I don't leave. She was repeatedly calling me " You ( pause ) trash ''! 

I left. I later found out ALL MY ACCOUNTS ( Business and Personal ) had been closed by Chase. 

Moreover, while the investigation was ongoing Chase locked {$73000.00}. Out of this sum {$40000.00} were received by Chase while the account was closed and I did not yet know about it. 

They said they will do a internal investigation but I will not be notified of the outcome of that investigation. 

I have an excellent credit score over ( XXXX for the last 5 years ) and I never had overdrafts or suspicions transactions. 

I strongly believe I was discriminated and racially profiled based on my national origin and race. The evidence to this will be the email that I received from Chase confirming my address was in fact changed to my new residence while I was still in the branch. 

The language used was unacceptable. The excuse to not open an account is provable false. 


Chase case # XXXX Attached you will find : - XXXX XXXX XXXX XXXX - Promo Email - Copy of my final check - Copy of my last Statement - Address Change Confirmation Email - The email I sent XXXX with Lease Agreement
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

XX/XX/XXXX, called Pennymac, spoke to PMI department regarding PMI deletion as we have made many improvements to our house since purchasing in XX/XX/XXXX. 

Payment of {$150.00} was taken over the phone that day to pay for the appraisal. 

XX/XX/XXXX, I missed the call from Pennymac, message stated they were calling to schedule the appraisal. 

We attempted numerous times to call back to reschedule only to not receive a response. 

We eventually received a letter stating that we were not eligible for the PMI deletion as not enough time has passed since we purchased the home. We again tried to call to clarify as to why this letter was sent without the appraisal without any response. 

After weeks of being promised a return call we finally were able to speak with someone in the PMI department ( XX/XX/XXXX ) who quoted incorrectly the XXXX XXXX regulations and told us that we were not eligible for PMI deletion as we have not lived in the house for 2 years, and that if we wanted they would refund us the money for the appraisal I read him the criteria of PMI deletion from XXXX XXXX  website which states if improvements have been made to the house then we could start the process. We had made it clear from the beginning that we were requesting a PMI deletion based off improvements and value of the home, thus why we paid the {$150.00}. 

We asked to be transferred to a supervisor, at that time we spoke to XXXX XXXX, who assured us that we were right, and due to the amount of improvements we could start the appraisal process. 

We submitted proof of improvements to the house, and then were contacted by the appraiser who came to the house on XX/XX/XXXX. 

10 days have since passed with no response from Pennymac, except that we have received a duplicate letter from Pennymac stating that we do not qualify for PMI deletion based on the amount of time we have spent in the house. There has been no response from XXXX who was previously communicating with us. 

The appraiser - XXXX XXXX with XXXX XXXX respond to an email with a range of what the houses in the neighborhood are valued at, which is not a sufficient appraisal. 

The appraiser told us that he was not able to issue us the report, that it would come from Pennymac with comparables and property condition to determine current market value. 


At this point we are extremely frustrated with the lack of response and delay in this matter, as they have stopped responding to us we are asking for your assistance in this matter.
Consumer complaint received 2022-04-18
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: CITIBANK, N.A. (IN)

This letter concerns two disputes ( chargeback ) that I opened with the Citi Visa Card company against the merchant XXXX that sold us air tickets on XX/XX/XXXX ( the charge was {$1800.00} - Case XXXX ) and modified the outbound flights on XX/XX/XXXX for a fee ( the charge was {$30.00} - Case XXXX ). Both of these services we bought using the XXXX card were cancelled by the merchant ( and not by me! ). Hence we did not get the product/service we paid for. 

Examining the attached documents and the proof that they contain, you will easily conclude that this merchant ( XXXX ) has not provided the service/goods that we purchased. The XXXX company facilitates this theft instead of protecting us, their loyal customers. 

The first dispute ( Case XXXX ) : using our Citi Visa card ( paid {$1800.00} ), we bought plane tickets through XXXX on XXXX XXXX but XXXX after a while, XXXX canceled them. At this hour, our trip with XXXX XXXX sold to us by XXXX and that should contain 4 legs ( 4 flights ) contains only two legs, i.e., only the return flights ( and no outgoing flights ). The departure date is set for XX/XX/XXXX and there are no outbound flights because XXXX cancelled them. 

The second dispute ( Case XXXX ) : After XXXX announced us that our outgoing flights/tickets were not available any longer ( after months of having tickets issued in the system with the Turkish Airlines ), we used the Citi Visa again to re-instate the outgoing flights. We were charged {$30.00}. A few days later, XXXX canceled this last set of outgoing tickets also. 

While the first dispute is still opened, the second was closed by XXXX even before I had a chance to answer it. XXXX closed the second dispute on XX/XX/XXXX two days before I had a change to fax my response explaining the situation. 

I am afraid that XXXX will also close the first, more important dispute without carefully examining my documentation that shows the true facts. We bought services that HAVE NOT BEEN GIVEN TO US. Why should we pay for them?

All details are in the attached documents. Please review them carefully to see that we are right. All these documents were sent to XXXX, but as of today, anything ( any responses I sent them ) are not showing up in the online account. More than that, I contacted XXXX and requested repeatedly to be sent a letter that show the first dispute was opened and they refused, citing the fact that everything should be online. Well, the larger amount dispute is not listed online. NONE of my responses are attached to the added to the files online as they should be. 

I am attaching all the documentation that shows the chronological events. It is addressed to the XXXX investigator that is supposed to research these two disputes and arrive at a conclusion. 

Please help us get our honestly earned money back!
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IN)

I was sued for a credit card bill while I was in the hospital. I paid the balance of the judgment as well as an extra {$160.00} to cover the post judgment interest. This payment was made directly to the court prior to the court date for garnishment. After this payment in full, the lawyer for the collection agency has filed multiple court papers trying to collect this debt ( that is already paid ) and has even gone so far as to get a garnishment order with the court because the attorney never updated the interest due with the court, the over payment to cover the interest is still sitting in court escrow. Now 30 days past the date of the payment this collector as a garnishment order for money that has already been paid.
Consumer complaint received 2022-11-23
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

{$10000.00} in my checking account wells Fargo trasancions and tranfers Not resolved. 
My credits cards i have only XXXX XXXX  XXXX end XXXX and have XXXX in XXXX XXXX  XXXX and XXXX
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc. (FL)

ROZLIN FINACIAL GROUP XXXX XXXX XXXX XXXX, IL XXXX. Has been nonstop calling me harassing my life at early morning times like XXXX XXXX  and even sometimes at XXXX late night. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with company. I when I call them, they said the collection is from a storage unit in XXXX. I never been to XXXX. Please they do not stop calling me and I have repeatedly told them to leave me alone. The Company does not have a contract with my signature.
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-06-23
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. (ND)

I have been sending out letters to the Bureaus to delete those inaccurate information on my credit report especially all those student loans account, they all have different Date of last Active. I haven't received any response regarding these accounts. This stops be of getting approved for any credit and they are hurting my scores.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have been corresponding with XXXX XXXX since XXXX. Their timelines do not comply with FCRA. I requested deletion of bankruptcy on file via certified mail 62 days ago. I have not recieved ANY correspondence back from XXXX XXXX. Their reporting of my bankruptcy to the credit bureaus is highly injurious and needs to stop.
Consumer complaint received 2021-06-23
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (NY)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation reports. This creditor has reported late payments on XXXX, XXXX and XX/XX/XXXX to my report which are incorrect and I am asking these late payments be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2022-04-18
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. (NC)

In accordance with the fair credit reporting act. The lists of accounts below and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX XXXX Account Num : XXXX Account Name : US Dept Education Account Num : XXXX Account Name : US Dept Education Account Num : XXXX Account Name : US Dept Education Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX has violated my rights . 

15 U.S.C 1681 section 602 A states I have rights 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 items 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 2023-08-13
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: Next Level Finance Partners  LLC (CA)

This is not a loan it was for a debt consolidation and they had me paying over {$300.00} and I chose not to use them and told him to close my account and then they put it down as if I got a loan for {$10000.00} And the credit cards on the consolidation were never paid, so what am I paying back {$10000.00} for I made payments to the one thats in at least six months, and nothing was accomplished. They didnt pay off any of my credit cards and and I didnt get any money.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In XX/XX/XXXX I contacted Capital One Auto Finance by phone to request a payment made to cover an accumulated amount be applied properly and advised that the amount accumulated over time was reported to the credit bureaus. I was informed that the payment would be applied correctly and that only the payment amount and status would be reported monthly not any overage amount. In XX/XX/XXXX I filed another complaint against Capital One Bank on complaint number XXXX as I did in XX/XX/XXXX ( XXXX ) regarding the way information has been reported. Since XX/XX/XXXX there has been a pending investigation by Capital One Bank ( XXXX ) and is still open. As I have been pouring over previous credit reports is now clear that although balances are reported accurately the remarks have been inaccurate, misleading and harmful. Since XX/XX/XXXX my XXXX credit report which has had remarks added each month in a way that makes the comment inaccurate for Capital One Auto Finance. For months I would see notifications that remarks were made and seeing the accurate balance but did not notice the remark. After viewing my XXXX report the remarks provided information inaccurately. The remark indicates my highest balance as a recent balance and states this " High balance of {$19000.00} from XX/XX/XXXX to XX/XX/XXXX : I currently owe around XXXX XXXX XXXX XXXX dollars and will have paid off the loan in XX/XX/XXXX.