davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-10
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 U.S. DEPARTMENT OF EDUCATION : XXXX U.S. DEPARTMENT OF EDUCATION : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX 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. States a consumer reporting agency can not furnish a account without my written instructions.

15U.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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IL)

My issue is with Synchrony Networks Bank they charged off an account in XXXX. Issued me a 1099c in XXXX stating I am no longer liable for the debt and that its been cancelled. They still keep reporting to the the credit agencies that I still owe on this account and refuse to allow me to pay off the balance. They told me I dont owe any money but they still wont stop reporting to the credit agencies. I have documentation from the creditor stating the debt cancellation but it hasnt been helpful whenever I dispute this account because they continue to report to the credit bureaus inaccurate information. I would like for this account to be updated to XXXX  balance for all three credit agencies and Id like for my creditor to stop reporting on this account. I no longer owe anything to this company. Ive tried to pay and settle and I was denied because the account has been forgiven.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

I called comenity bank about my Zales balance still showing {$1700.00} balance when I paid it off in XX/XX/XXXX. They said that they had computer issues and have not been able to update accounts, but were in the process of fixing the issue. That was XX/XX/XXXX. I tried talking to them again today and they didnt seem to understand my issue and gave me the number for XXXX XXXX but I couldnt get anything except a report from that company, which I do not need to buy. I have been trying to clean my report off completely and that was the last debt aside from my mortgage that I needed off to get the score that I need. Thank you for your time.
Consumer complaint received 2022-10-18
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. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-04
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. (GA)

Please remove these inquiries from my credit report as I did not authorize them. I have included the theft reports. 

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 2023-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Saturday, XX/XX/2023 I reported to my bank, Bank of America, that my business account, XXXX, XXXX had been fraudulently accessed and {$4200.00} was transferred via XXXX to a person I do not know and did not authorize to do such. Her name allegedly was XXXX XXXX XXXX. A phone call was placed to me which appeared on my cellphone as Bank of America. The person calling asked whether I was authorizing a transfer to someone in Texas. I replied no. In reality, they were fraudulently getting my assistance to take my money and transfer it out, which they did. I did not go on my computer/account to do any transfer. They did. Bank of America investigated under their claim number XXXX and advised me in writing today they are not putting the {$4200.00} back, claiming they were following my " instructions '' facilitating the transfer of funds. I did no such thing however. This was fraud. I believe this should be covered under Regulation E pertaining to fraudulent electronic fund transfers. Please advise. Thank you.
Consumer complaint received 2023-08-10
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. (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the fair reporting act. 
XXXX XXXX Account number XXXX Date opened XX/XX/XXXX. XXXX XXXX Account number XXXX Date opened XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

i did not give written consent also these accounts are fraudulent these accounts where disputed years ago and the reporting agency still have not deleted these accounts listed this is a violation to my rights please delete asap
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

My car was broken into. My phone and wallet were stolen. Transactions were being made with my phone and card for over 2 weeks before I noticed. I filed a police report and alerted the bank I have yet to hear back from them other than theyre closing my account. This still doesnt resolve the problem of over XXXX dollars being stolen from my account.
Consumer complaint received 2022-10-19
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$2600.00}
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (GA)

My mortgage company, RP Funding has published my XXXX 1098 Form with incorrect information. This form states that they paid XXXX County, FL {$8100.00} for XXXX Property Taxes, when in fact the amount due and actually paid was {$7800.00}. The XXXX County, FL Finance Director confirmed to me that they had received only one payment for my property, on XX/XX/XXXX in the amount of {$7800.00}. I originally notified RP Funding of this error on XX/XX/XXXX which would have provided enough time for them to correct their error with my escrow account and issue a correct XXXX Form 1098. They have not responded to my request concerning the incorrect 1098 form. 

Their error and unwillingness to correct their mistake in a timely fashion is causing me to delay filing my XXXX Federal and State Income Taxes. 

I've attached copies of my original written notice to RP Funding dated XX/XX/XXXX, the receipt for payment of Taxes from XXXX County, FL showing a payment date of XX/XX/XXXX and the incorrect Form 1098 that RP Funding has published and provided to me on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-07-13
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (ME)

NationStar Mortgage increased our monthly mortgage payment without notifying us. When I called, I was told that the payment increased in XXXX, 2016. We have been making the same payment each month and now have a past due amount showing on our statement. Their customer service representative could not explain anything she had no idea what she was talking about, just kept saying " payment increased in XX/XX/XXXX ''. I asked to speak to a manager and was put on hold for 45 minutes at which time I hung up.
Consumer complaint received 2021-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

Im dealing with navient .. i took out a XXXX fed student loan in XXXX XXXX XXXX loan was owed .. the very first payment made was XXXX .. ive been making monthly payments ever since. For the last 16 years .. navient is claiming that i STILL owe XXXX .. they are stating my interest is 5 %. When in fact it is about 50 % .. they take 5 % from the total balance and apply it to every payment made .. i make payments of XXXX and XXXX goes to interest .. that is not 5 % .. ive added up all my payments and they total XXXX .. navient sent me a break down of all the payments. Are they are far less then what i actually paid .. thier amounts are off .. i went to school was on i was XXXX years old. It was a ONE year school .. i am now XXXX years old and i am STILL paying for this student loan!! The way they have it set up. Unless i can pay XXXX IN FULL. ( which i can not ) i will be paying this off for the rest of my life!! Its going to be like XXXX by the time its all said and done. That is beyond criminal!!! Please help. This is a huge stress on me and my family and my credit for that matter!!
Consumer complaint received 2023-08-10
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (KS)

I opened a checking and savings account with JPMorgan Chase online on XX/XX/. I attempted to fund the account via Chase 's external transfer system. The transfers were rejected by Chase because my bank did not verify account ownership. I then wanted to close the accounts over the phone. The supervisor stated that the only way to close the accounts is to visit a Chase branch in person. I do not live near a Chase branch. I opened the account online and I feel that I should be able to close an account that I have never used or funded either over the phone or online. Chase 's Deposit Account Agreement does not state that I must visit a branch in person to close an account. 

Either you or we may close your account ( other than a CD ) at any time for any reason or no reason without prior notice. We are not required to close your account at your request if you have pending transactions, the account is overdrawn, your account is subject to legal process ( such as a garnishment, attachment, execution or levy ) or any type of holds ( such as collateral hold, decedent hold or deposit hold ). In those cases, we will limit the types of transactions that you can make until pending transactions are paid or returned, the balance is no longer negative and any legal restriction/hold has been released. After we restrict your account in preparation for closing, we will not pay any additional interest on the account. We may automatically close your account if the balance is {$0.00} or negative. Either you or we may close your CD account on any maturity date without cause.

We may send you written notice that we have closed or will close your account and return the balance less any fees, claims, setoffs or other amounts if the balance is greater than {$1.00}. After your account is closed, we have no obligation to accept deposits or pay any outstanding checks, but we may reopen your account if we receive a deposit. We will have no liability for refusing to honor any check drawn on a closed account. We may advise consumer reporting agencies of accounts closed for misuse, such as overdrafts. 
This agreement continues to apply to your account and issues related to your account even after it closes.
Consumer complaint received 2024-04-23
Product: Mortgage — VA 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: LoanCare, LLC (AZ)

We can call and get no call back, they aren't willing to work with us. My husband who's is the veteran had to have XXXX XXXX XXXX XXXX last year and in XXXX we found out I have XXXX  XXXX XXXX XXXX and had to have XXXX in XXXX and now have to go through XXXX.
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I tried sent letters starting XX/XX/21 regarding collection accounts that were put on my account. I have no record of such collection nor I was in the hospital or doc in the past year. 
XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX I also have disputed several inquiries that I did not authorize and the bureau are still reporting.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (TX)

This is the second complaint I am filing as they closed the first without answering and disregarding everything I said. Below is the original complaint. 

XXXX XXXX is incorrectly reporting my account with them as not paid and put a full balance back on there. When it was originally reported as 100 % paid a couple weeks ago onto my credit report prior. causing my score to rise exponentially. The account was paid off and I have correspondence and letters from the company saying that I completely paid the full balance. Even received a check in the mail a few days later for a refund of the money I overpaid on the full balance. Subsequently it was stated on my credit report as 100 % paid as well as my cosigners. Almost a month go by, and they tried to say that all that was false and that I still owed the complete balance. That is fraud. As I went through all the correct and proper channels to pay. Sent them a letter REGISTERED MAIL notarized XXXX and sworn by me, asking why they say I still owe and explaining if that's the case how did I get a check in the mail or why it was listed as 100 % paid off. They never responded and kept harassing me with phone calls, letters, texts and emails. I just wanted them to prove what they claimed, and they did not and refused to respond. I will attach the certified mail I sent to the company in the attachments along with other documentation. 

Their response was that the was not processed and rejected and it takes 3-5 days to reflect. It reflected after 4 and that's when all the information saying I paid the loan completely off because payment went through. They refuse explain why my account was closed if it was allegedly rejected in the system and the subsequently reopened months later. This is fraud. I sent notice of error and affidavit via certified mail. Which they ignored. And never even after the written instructions to. Just blatantly disregarded my certified mail which they received which had to be signed for. They have not proven once that the money was returned. Because it was not returned to me. This is my word versus their word at this point and they are trying to silence me and get away with fraud.
Consumer complaint received 2023-04-26
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. (IL)

THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, A rep from Chase bank called me to alert me about potential fraud. I spent about 30-45 minutes on the phone. After I kept being put on hold, I immediately hung up and waited for my local branch to open. I went o Chase Bank in XXXX XXXX Ca and spoke to XXXX XXXX. I have had over 10 visits since then trying to revolve the {$500.00} electronic wire fruad that occurred. I believe this was an inside job within Chase. I have never received any true letter of an investigation. Chase has the nameof the bank that received the wire ( XXXX XXXX  XXXX XXXX ) and person who did this wire. I have Never initiated a wire with Chase in the entire time I have banked with them. They told me no one would respond from XXXX XXXX. Then name of the person who received the funds is listed. There was NO action to assist me from Chase Bank. I sent letters, copies of my call logs where the number says JO MORGAN CHASE.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2024, my Wells Fargo checking account was used fraudulently. My debit card was " shimmed '' and copied, used to make 2 ATM withdrawals, {$540.00} and {$400.00}, and a transaction for XXXX. This all totaled {$2900.00} in fraudulent use. Wells Fargo texted me asking if the transactions were valid and I responded, " no ''. I immediately froze the account when I was notified of the transactions and disputed them with Wells Fargo. Wells Fargo responded that they " found it was made by me or someone that had my permission. Please consider the claim closed. '' I spoke with the debit card fraud department at the bank who said to me they couldn't reverse the transactions that were made fraudulently. 

Here 's the 3 transaction I didnt make. They appear on the statement on XXXX but they were made on XXXX. 
XXXX {$2000.00} USPS XXXX XXXX XXXX XXXX {$540.00} Wells Fargo ATM XXXX XXXX XXXX {$400.00} Wells Fargo ATM XXXX XXXX I am also including a photo of my police report case # XXXX