davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2021-01-02
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. (MA)

Dear Credit Bureau Manager/Leader ; Listen, Im extremely upset, stressed, shocked that you havent legally verified these accounts that Ive screenshot below. Its impossible that you couldve legally verified or investigated these charge-off or collection accounts because it continues to report incomplete, unverifiable, misleading, and erroneous information into my credit report. Its my understanding reading the consumer laws under the provisions of FRCA, FDCPA, and FCBA, FCC, etc. 

For example, in order for these accounts to be reported on my credit report, it needs to adhere the consumer guidelines, and it needs to be 100 % accurate, 100 % verifiable and 100 % timely. Every factor of these accounts to be as accurate as possible. 

Unfortunately, when I called and reached out to these companies, its either got transferred or reporting questionable balance, inconsistent dates of last payment, dates of last reported, dates of last active, dates of last opened, inconsistent payment history, and inconsistent account status, and high credit balance should be higher than the actual balance. Therefore, these accounts are unverifiable and incomplete, and misleading. This is illegally causing these accounts to illegally re-aged and its in violations of FCRA. Please delete these accounts from my credit report immediately from my credit report and send me an updated credit report once it has been deleted. THANK YOU!
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good Day, Transunion has failed to report my account with XXXX XXXX. XXXX and XXXX are reporting the account, but Transunion is not.
Consumer complaint received 2022-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXXXXXX 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 XXXXXXXX To Whom It May Concern, On XX/XX/XXXX, There was a collection account reported XXXX credit bureau. This original credit account was opened in my name it is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau.

To resolve the problem, I would like to demand that this fraudulent account and collection be removed from my credit report as it is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as identity theft. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (GA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$3500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$94.00} XXXX - XXXXXXXX XXXX Inquired on XX/XX/2023 XXXX, XXXX, XX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2021-01-02
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I have been trying to get information regarding to a settlement for a collection I have with this company. I have called 3 separate days to get answers and set something up and each and every time I called them I get greeted with nothing but attitude and unprofessionalism. I ask simple questions such as " Does your client accept payments on a settlement or does it need to be paid as a lump sum '' and I got the run around and how I will not be paying anything this month so I have to wait to get this answer and then proceeded to place me on hold and cold transfer me to someone else, I had to re-explain my situation and finally got a straight answer. The next day I called back to set up a payment arrangement, when I got to a rep named XXXX she had a severely poor attitude told me to not put words in her mouth when I asked her a clarifying question. Once the arrangement was set up I asked for a letter stating my arrangement so I can give this to an apartment I trying to get into she proceeded to tell me that she wont do that because people pay the first payment and then never pay again, I explained I am in collections myself and know for a fact that an arrangement letter does not state that I have paid off this collection as I was explaining she interrupted me I told her I was not done speaking and she told that I was done speaking and placed me on hold. I immediately called back and spoke with a manager and she stated he would give her a training lesson but I do not believe anything was done. The very next day I called back and asked someone else if I was able to get an arrangement he said we can not do that placed me on hold, when he came back in the middle of him asking if I was still there he proceeded to hang up on me and did not give me the chance to respond to him. These conversations took place on XX/XX/XXXX @ XXXX .. XX/XX/XXXX @ XXXX & XXXX ... XX/XX/XXXX @ XXXX
Consumer complaint received 2024-06-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc. (PA)

XXXX XXXX XXXX ( 4 ) purchases and two ( 2 ) ATM withdrawals on XX/XX/24 on a fully funded prepaid debit card. Then a day later, it charged {$1.00} for each declined transaction for a total of {$6.00}. I attempted to request reimbursements for those fees on XX/XX/24 via phone and online form but no response as of today.
Consumer complaint received 2022-12-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Our home was impacted by Hurricane Ian ( XX/XX/XXXX ) it sustained substantial damages including roof and water damages loss of use due to mold and the roof coming off the home. We filed an insurance claim and have been sent a partial payment of our loss which had the mortgage company 's name on it. They have held the monies {$73000.00} in an restricted escrow account ( XX/XX/XXXX ) and have not released any monies to us to start repairs on our home even after submitting documentation to support ( XX/XX/XXXX ) that we have paid out of pocket to start the repairs including electrical work, a deposit on the roof and money to attempt to repair the air conditioning unit. We have been trying to get funds since XXXX. We now have paid the roofing company to get the roof on {$9900.00} and they the company still has not released the funds and we get different amounts that they say they will release and some agents say that they will release 25 % would be approximately {$18000.00} which would cover the roof but then we get another agent that said that they will only release {$10000.00} ( XXXX in resolutions dept XX/XX/XXXX ) due to the status of our mortgage at the time of loss which was in a modification status ( which was approved ) and the mortgage company does show that our account is current. Our home continues to deteriorate because we can not get the repairs done with out the funding. We can not get the company to release the funds. We are unable to live in the home due to the damages and will continue to incur costs above our normal budget and put us further behind and continue to put us in financial hardship. I have called to the loan modification department to see if they can talk to the claims department to advise of the status and was told it does not matter and they will not change it. We offered to provide the company with the copy of the work permit signed by the county showing that the work had started and that they should release the funds and they would not accept that at proof. They have scheduled an inspection on our property for XX/XX/XXXX which is the earliest that they will come out and that would only to release the roof funds but the roofing company will likely put a lien on the home because I do not have the funds to pay them the final payment for the roof as Loan Care claims department will not release the funds. Please help.
Consumer complaint received 2017-09-14
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. (TN)

I was able to put a freeze on my credit with XXXX and XXXX very easily with a phone call. After 2 days and multiple attempts by phone and website I am still unable to put a freeze on Equifax because after accepting all the information both ways tell me they can not process the information right now, even though they are the reason why any of the freezes are necessary.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report 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 2021-01-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$12000.00}, {$1900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received, in XXXX 2022, a postal letter from Bank of America ( attached to this complaint ) offering a " {$300.00} Checking Offer '' by 1 ) opening " a new Bank of America XXXX Banking account by XX/XX/2022 '' using the " unique offer code '' and 2 ) setting up and receiving " Qualifying Deposits totaling {$4000.00} or more into that account within 90 days of account opening ''. Although I had a Bank of America credit card, I had never had a bank account with Bank of America prior to receiving this letter. As per the letter, I opened the account online ( at bofa.com/SpecialOffer ), entered the unique offer code ( XXXX ) and instructed my two employers to deposits my paychecks to this newly-create Bank Of America checking account. 

I opened the checking account on XX/XX/2022 and had my first paycheck/direct deposit of {$4100.00} on XX/XX/2022. I had a second paycheck/direct deposit ( from my second employer ) of {$5500.00} posted on XX/XX/2022. As per the terms of the offer, sixty ( 60 ) days have passed since satisfying all the requirements, but the {$300.00} bonus was not deposited into the account. 

Over the last few days, I called 4 times, wasting more than XXXX hours with customer representatives, trying to get this issue looked into and resolved, without success. I was told that the offer did not exist and that they could not find it in my account or on their system. I was given other phone numbers to call, only to be redirected to the same customer service. A presentative even hanged up on me while researching the offer code. Today, XX/XX/2022, I went to my local branch with the same result : they could not find the offer and requested that I call a customer service representative. 

I am extremely disappointed with this turn of even and the time I have wasted on attempting to resolve this issue. Had I not received this letter from Bank of America, I would not have signed up for this bank account nor would I have asked my employer to send my paychecks to it. I actually thought that I would make my Bank of America my main bank service provider, along with XXXX XXXX, but this experience is making me reconsider that choice...
Consumer complaint received 2023-03-01
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. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 alleged fraud or extortion. 
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 2020-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Yesterday I went to Bank of America, and i had a check for {$1200.00} for deposit. I refrained from adding the check to my balance on the previous saturday - XXXX days beforehand - because it said it wouldn't be available for about a week. I went inside and I told them that I wasn't interested in depositing the check if it was going to be a long hold time. The bank account was positive by about {$45.00}, and they told me that it would clear tomorrow morning, which is today. Now i sit in the Bank of America on XXXX XXXX and XXXX XXXX XXXX   in XXXX XXXX, FL, Zip XXXX As you well know, there are statutes regarding the amount of the check. Afterward, they claim that the check was high risk, except the dollar house, in the most expensive zip code in Florida. Yesterday when i gave them the check, they did not mention anything about it being high risk. I believe what they said specifically, was that it would clear by XXXX tomorrow. 
Here I am at XXXX XXXX, and this check has not cleared. Again, now they claim that it is high risk. My property is currently being withheld by bank of america, in the amount of {$1200.00}. I think that the amount of the fine for this misrepresentation, fraud, and deceit ; should be in the amount of {$12.00} XXXX.
Consumer complaint received 2022-12-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My mortgage was originally held by XXXX XXXX XXXX and was sold to newrez in XX/XX/2022. Neither notified us of the sold account 30 days prior to the transaction as is required by law. Newrez reached out XXXX weeks prior to the change. I mailed a payment on XX/XX/XXXX after calling and getting the address to send checks as for some reason I was not able to complete an schedule payment on the portal. The check was required to be delivered by the XXXX. When I saw the check had not been cashed, I called the company who told me that this was a known issue affecting a lot of customers and they didnt know why they were not receiving payments and told me to call back the following week. I did and was told there was still no resolution and that I should just make another payment to avoid having anything negative on my credit report, and I asked why they did not have a policy in place if they knew the reason why they were not receiving payments was an issue on their end. I called again today and spoke with a manager and he said theres nothing he can do besides give me options to either pay again now or wait for the payment to post. For people who are outside the grace period from the transfer they are reporting negatively on these people over an issue the company created by changing payment addresses on the mortgage statements but not updating the barcode that is scanned for the post office
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-29
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-29
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CT)

I have been unable to monitor my bank accounts properly for about a month due to XXXX XXXX XXXX XXXX. During this time I am not sure who had access to my cards or phone. Upon coming home I noticed that both of my bank accounts had activity in the past month that were not just recurrent payments. I filed a claim with Wells Fargo for transactions from XXXX, stating that my last known transaction was from XXXX from XXXX for an amount of {$10.00}. These small transactions over the month totaled to around {$600.00}. Wells Fargo has denied my claim and I have talked to multiple representatives who all have different reasonings for why it was denied, all of which do not makes sense. XXXX claim totaled XXXX transactions with a total of {$510.00}, another of XXXX transactions of {$120.00}, and a final XXXX of XXXX transactions of {$130.00}. The representatives were rude and disrespectful. I have spoken to all merchants involved who say I need to speak with my bank and that my account with them was hacked.
Consumer complaint received 2022-12-29
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.