davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc. (AZ)

Case was dismissed in court. I, the plaintiff, filed against defendant, XXXX. After case was dismissed, ( attached ), XXXX retaliated by submitted a fake and false bill to wards me of {$6700.00}. There was/is no merit or validity to these made up charges and fees. XXXX had the chance in court to address any other issues and did not. In XX/XX/2018 I submitted home inspection which shows house was in complete disarray with damages. XXXX never addressed and in XX/XX/2018 then submitted a bill saying I did damages, even though documented 3 months previously it was their fault, attached. 
They then proceeded to falsify trumped up fees, which in no way did I owe in any manner, and submitted a fabricated bill to me and demanded I pay. XXXX then handed over my " bill '' toTCS THUNDERBIRD COLLECTION in XX/XX/2018. I have disputed in the past. I now wish to submit court files and dismissal and other documents to support my claims this bill is fabricated. I have more court documents, but file limit is exceeded.
Consumer complaint received 2020-06-16
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. (GA)

My Lawyer, XXXX XXXX filed a Chapter XXXX that was to include a reaffirmation for the property I currently in and have been making payments for the last two years and not having the benefit of those payments being reflected my credit report. 

The XXXX XXXX not provided any reason or documentation as to why they have taken such action. I have called them numerous times and told that they are reporting. I have sent documentation to all three credit agencies and the reports are incomplete or never change despite the proof of my clearly being responsible to my obligations. 

The XXXX XXXX is a bad and unsavory actor.
Consumer complaint received 2020-06-16
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. (GA)

My Lawyer, XXXX XXXX filed a Chapter XXXX that was to include a reaffirmation for the property I currently in and have been making payments for the last two years and not having the benefit of those payments being reflected my credit report. 

The XXXX XXXX not provided any reason or documentation as to why they have taken such action. I have called them numerous times and told that they are reporting. I have sent documentation to all three credit agencies and the reports are incomplete or never change despite the proof of my clearly being responsible to my obligations. 

The XXXX XXXX is a bad and unsavory actor.
Consumer complaint received 2020-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (MN)

on or around the middle of XXXX google pay allowed transaxtions to go through on my google pay account which was hacked causing me over {$400.00} in charges two charges thriugh XXXX and at that time i didnt even have a valid credit card on file yet they charged the one i  had on file with them anyway and a tons of XXXX and XXXX and XXXX XXXX   charges that i didnt charge and some didnt even have the new card of my account on hand it ws in orute after i called and canceled the XXXX XXXX XXXX I am owed almost {$500.00} becasue of these charges and I cant chagre back or they wont let me charge it bacj becasue for some reason they are saying i made the charges when there is no way i could have
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I opened a business banking account with JP Morgan Chase. They told me that they sent me a debit card and a PIN number through the mail, but I never received it. I deposited 3 checks for {$7100.00} each. The first one on XX/XX/XXXX, the second one on XX/XX/XXXX, and the third on XX/XX/XXXX. On XX/XX/XXXX, while depositing the 4th check, I checked my balance and realized that something was wrong, because there was only around {$20.00} left in my account. I reported it immediately to the bank and they froze the account. The thief spent over $ XXXX in just 6 days.They never notified me of any suspicious spending activity on my account. 

After a few days of " investigation '' the Bank sent a letter to me stating that they believed the charges were authorized and the money would not be refunded. 
I called the bank ( including a photograph showing that her apartment mail room had many mailboxes that were unlocked and left open ). I also pointed out to them that in addition to the fraudulent charges, there were 2 deposits made to my account ( for {$2400.00} and {$1000.00} ) on XX/XX/XXXX that I did not make or recognize. The made a deposit reversal on those two depsoits, and they reinstated the investigation. They also made a temporary reversal on some of the suspicious charges while they continued to investigate. Yesterday I received another letter denying partial charges on my claim. I believe that they are treating my claim as multiple smaller claims to confuse me and slow me down. As I told them, I never received the debit card, so it is impossible for their to be some claims which were authorized and others which were not. 

This is a business account, and covid has created extreme economic hardship for me and my employees, and Chase is hindering me from moving forward with my business and by taking legal action on this matter if need be by treating my claim as several smaller claims and not giving me a clear answer on this situation involving over $ XXXX in charges which were susupicious on their face -- charges like 3 charges in a row on the same day of {$700.00}, {$500.00}, {$500.00} at the same XXXX XXXX  location. The only reason they have given me is that my mailroom has locking mailboxes and that I haven't made a police report. Since then I have made a police report, and I have sent them photographs showing that my mailroom has many mailboxes which were wide open and possibly broken into.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Dear XXXX, I am writing to bring to your immediate attention a matter of significant concern regarding my credit report, managed by your agency. Upon reviewing my credit report, I have identified several accounts that I believe have been reported in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 USC 1681, 15 USC 1681c ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). The accounts in question are as follows : XXXX XXXX - Account number : XXXX XXXX XXXX  - Account number : XXXX XXXX - Account number : XXXX XXXX - Account number : XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX  - Account number : XXXX - XXXX XXXX XXXX XXXX These accounts have either been reported without my express written permission, contain inaccuracies, or include adverse information that is outdated and thus should not be part of my consumer report. In accordance with the FCRA, I am formally requesting the immediate deletion of these accounts from my credit report. This action is necessary to correct the inaccuracies within my report and to restore my rights to privacy and confidentiality as mandated by federal law. I have taken the steps to document these discrepancies thoroughly and expect a swift resolution to this matter. According to FCRA guidelines, I understand that you have a legal obligation to investigate this dispute and provide me with a response within 30 days. Please consider this letter a formal dispute notice, and I request that you initiate the investigation process immediately. I am prepared to take further action, including seeking legal counsel and filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), if these issues are not resolved promptly and satisfactorily. I appreciate your immediate attention to this urgent matter and expect to hear back from you with confirmation of the deletion of these accounts or, at the very least, an update on your investigation within the statutory timeframe. Thank you for your cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2020-08-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
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 XXXX  XXXX, 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 ACCOUNT 1. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2020-06-16
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. (GA)

My Lawyer, XXXX XXXX filed a Chapter XXXX that was to include a reaffirmation for the property I currently in and have been making payments for the last XXXXwo years and not having the benefit of those payments being reflected my credit report. 

The XXXX XXXX not provided any reason or documentation as to why they have taken such action. I have called them numerous times and told that they are reporting. I have sent documentation to all three credit agencies and the reports are incomplete or never change despite the proof of my clearly being responsible to my obligations. 

The XXXX XXXX is a bad and unsavory actor.
Consumer complaint received 2020-08-08
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 {$2200.00}. 
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 XXXX  XXXX, 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 ACCOUNT 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2020-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sierra Credit Corp (CA)

The CRA 's and SIERRA CREDIT CORP -- are violating FCRA FDCP laws. are very aware of the Fair Credit Reporting Act 623, Cushman v. TransUnion, US Court of Appeals for the Third Circuit Court Case 115F3.and d 220 US Court of Appeals , Ninth Circuit , No. 00-15946, Nelson vs. Chase Manhattan And Federal Debt Collection Practices Act ( FDCPA )
Consumer complaint received 2020-08-08
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a loan with CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX   and CAPITAL ONE with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

Hello, I had one checking account with Citibank and I opened another checking account last XXXX. The account started charging {$25.00} service fees starting in XXXX, but I didn't notice that till today. Total a {$100.00} service fees were charged. I called the citibank, and they found a mistake on their end that they did not link the two citibank accounts. The service fee would not be charged if the two accounts were linked. However, the rep could only refund one service fee of {$25.00}. The rep said it was the policy and could only suggest the management changing the policy in the future. 

I consider that unacceptable as it is clearly a mistake on their side, but refuse to correct their mistake. I would like you to help me get the rest of the charged fees. Also, I'd like citi to change the policy so that the mistakes on the citibank side could be corrected. 

Thanks.
Consumer complaint received 2020-08-08
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Walwick, Inc (WA)

merchants credit association representatives continue to harass me and my family even after i told them to stop harassing me and my family .calling others also filing lawsuit for medical bills due to car accident my attorney XXXX XXXX XXXX is handling.continue to threaten even when XXXX XXXX  ask them to stop .This harrasment need to stop immediately and lawsuit need to be vacated and deal with attorney that is handling itXXXX need to return the accounts back to original creditor .XXXX is not using merchants as collections agency.Merchants continue to use abusive tactics threaten and harass Washington residents .i have previously sued merchants while back they continue to use abusive way to collect money .Merchants need to stop this abusive practice or i will sue you.So many complaints and lawsuits for abusive practices why is merchants don't understand .calling people using unidentified numbers and different times .Merchants need to stop their illegal collection activity immediately.
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MO)

In XX/XX/2020, I applied for a conventional home loan with Navy Federal. Loan Officer XXXX XXXX said underwriting asked for additional information. Said information was submitted and a pre approval for {$510000.00} was given. We find a home and take the additional steps per the preapproval. XXXX stops responding. After a week she finally returns our call and says that Navy Federal JUST changed stipulations like yesterday and my score was 20 points too low. For the next 45 days, I do everything in my power to raise my score from a XXXX and ended up getting with a XXXX. I reapply and was assigned a new loan officer,  XXXX XXXX. Received a second preapproval for {$510000.00} just to be given a different reason why Navy Federal couldnt move forward a second time.

The problem is, Navy Federal gives preapproval saying that youve met their criteria only to be told that the goal post is being moved over and over again. Our lease was up and we ended up signing a month to month based on the preapproval. We were also in the process of switching school districts based off of the hone we found.
Consumer complaint received 2022-09-16
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XXXXXXXX XXXX  Balance : {$20000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I opened a Saks Store Card via web application. My application was pending approval until I spoke to a processing representative. The representative approved the application over the phone and read the account number to me. The credit card limit was between $ XXXX. 

I tried to make a purchase online on XX/XX/XXXX, using the account number I received ; however, the order world not process for payment. I called Saks and the representative informed me that a the card was used to make a purchase was made for {$200.00} in XXXX XXXX, NJ on XX/XX/XXXX. I live in XXXX XXXX, CA. I immediately reported the charge as fraud and the representative assured me the fraud department would contact me within 24 hours. 

I either missed or did not receive a call from the fraud department. In XX/XX/XXXX, I contacted Saks to let them know I was still receiving a bill for the disputed charge. Saks claimed I never completed an official claim through Capital One. I contacted Capital One, who completed the fraud claim and assured me the matter was handle. I repeatedly asked for the card to be closed, but the representative insisted the card remain open in order for the dispute to be completed. 

I continued to receive bills in XXXX. I called capital one again and insisted the card be closed. As of XX/XX/XXXX, Saks has been calling and harassing me twice a day for over a month. The calls start at XXXX. I have found no relief through the available channels and the behavior is predatory. I have never had access to this physical card. I was never able to make a purchase. I believe the charge was made by an employee who has access to account numbers. I have exhausted all efforts to find a resolution and the matter is impacted my credit score.
Consumer complaint received 2020-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NV)

An advance payment, was sent and they changed the payment date.to XXXX XX/XX/2020 and the first payment was sent XXXX 16/2020.and they still charged more interest. and they do not give me an answer as to why they changed, the date to. The XXXX of the each month to XXXX & XXXX of each month and that is why they charge me more interest and they have not communicated with me. 


I just need you to answer.me why you are with more interest and why the dates changed. 
,
Consumer complaint received 2020-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.