davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
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. (CA)

This is my fourth 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 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 XXXX
Consumer complaint received 2018-03-04
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. (CA)

A chapter XXXX bankruptcy is being reported on Tranunion, XXXX and XXXX reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XXXX-18 ) it still remains.
Consumer complaint received 2024-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I have had an impeccably record of paying my dues to the mortgage bank for 8 years and in XX/XX/2022, I was told my XXXX payment was not received. This was communicated to me by HSBC ( mortgage bank ) while I was on using the pay over the phone service for the month of XXXX XXXX. I was told my bank XXXX XXXX XXXX ) returned the payment request for an unknown reason although sufficient funds were available as indicated on the attached statement. 
Details of the events are as follows : XXXX for XX/XX/2022 was initially paid over the phone on XX/XX/XXXX. Two weeks later I noticed the funds were not debited from my account and I called HSBC to enquire about the transaction. I asked for the agent over the phone to investigate why the payment was not completed but was unable to establish a cause. Why crosschecking with the agent, I realized they had incorrectly logged my account ( XXXX XXXX XXXX ) as a checking instead of Saving. The correction was made and I was assured by the agent this should rectify the problem. No communication from HSBC for weeks thereafter until I made the phone call in XXXX. I have attached the account statement for XX/XX/2022 plus my communication email with HSBC. I raised an official complaint with HSBC shortly after but they were not willing to own up to their failure to contact me and reported my payment as late with the credit bureau and my XXXX average credit score plummeted to the low XXXX. I do not feel this case was handle fairly and would like your help with it. Many thanks
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC. (TX)

Axos bank is denying my application for an account and citing XXXX as the reason. I have obtained my report from XXXX and there is not a single derogatory item in the report. XXXX is refusing to tell me why they will not approve me to open an account.
Consumer complaint received 2022-12-26
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. (CA)

This is my sixth 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 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 2020-01-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has consistently charged overdraft fees to my checking account when I have declined overdraft protection on my account. I have notified this banking institution and spoke with three different representatives who have confirmed that an overdraft fee will only be applied if the delinquency is not paid within 24 hrs of occurrence. On XX/XX/19 a payment was made to XXXX XXXX XXXX ( credit card ) the funds were debited from the account and two days later I incurred an overdraft fee. Based on the information I received from their representatives the balance overdrawn was paid the same day yet I incurred an overdraft fee of {$35.00} two days later for a service I have declined. I requested to be refunded and received a partial amount as a courtesy as mentioned by Wells Fargo. 

Again, this same situation has occurred on XX/XX/19 whereas I made a payment to XXXX XXXX ( credit card ) and it was debited from my account within the early hours of the next day. Funds were applied to cover the balance and I received an overdraft fee two days later. This is a consistent bank error that I am requesting be investigated plus be refunded the full {$35.00} overdraft fee and remaining partial refund of {$17.00} of both transactions. If this matter is not handled with integrity, I will pursue this further by seeking legal representation to get this resolved permanently.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ditech Financial LLC (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-12-26
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AA)

I have spent the past 9 months trying to have equifax understand that I NEVER REQUESTED for a fraud alert to be entered on my credit report. I have three letters with the requieres proof of identity and address telling them to remove the fraud alert. I have spent hours on the phone in three different occasions telling them that I never asked or authorize for a fraud alert to be placed on my credit report. A collection agency sent the request and listed a XXXX area code phone number that shes not belong to me. At this point I have spent over 15 hours trying to deal with this with no success.
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (TX)

This is my fourth 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 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 2024-04-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

I received a notification of a new debt on my credit reports. XXXX XXXX XXXX XXXX, has reported a debt in the amount of {$17000.00} from XXXX XXXX . I have sent a request for debt validation twice and have not received any documentation. The first was sent on XX/XX/XXXX and the second was sent on XX/XX/XXXX. Both were sent via certified mail. I have given XXXX XXXX XXXX XXXX, more than enough time to gather and deliver any and all documentation to me and have not received anything.
Consumer complaint received 2024-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Today is XX/XX/year> and my XX/XX/year> payment has not been posted. It should have been posted no later than, XX/XX/year>. Every month there is an issue, with Select Portfolio Servicing, posting my payments. Also Select Portfolio Servicing, added my home insurance on my, mortgage statement. I do not have an escrow set up for my home insurance, through my mortgage. I have always had insurance on my home, I had home insurance through XXXX. My husband is a veteran. What Select Portfolio Servicing is doing is against the law. Select Portfolio Servicing is a corrupt company. I want nothing to do with these crooks. We have a paper trail of deceitful acts from Select Portfolio Servicing. More over, they sent me some fraudulent documents, where my name an information, was copied and pasted to illegal documents. My husband and I went to retrieve the legally, legit documents, and it is evident, that Select Portfolio Servicing is committing another crime.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

Good evening I have disputed and successfully got 3 collections removed from Experian XXXX and XXXX, but they keep reinserting and posting inaccurateAND incorrect info to my report. 

From the debt collection XXXX for amount of {$520.00} and {$240.00} XXXX XXXXXXXX XXXX {$310.00} medical I've had these removed from XXXX successfully because of inaccuracies, incorrect reporting dates, balances and codes, that the bureaus have not reported correctly and lied about validating and verifying, also Experian will not remove incorrect addresses from my report and names and numbers!! XXXX  and XXXX have updated majority of my info, XXXX XXXX XXXX closed account was removed and reinserted! 

these accounts have so many inncuracies and are severely affecting my financial life, schooling, and mental health. 
I have sent in letters asking for original statements, signatures, bank account info and have been ignored. and they try to sneak and insert info without informing me and providing documentation to support their claims! please help me hold them accountable for their inaccurate reporting the FCRA says It has to be 100 % correct and I promise you it is not!
Consumer complaint received 2022-12-27
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. (CA)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (GA)

My business checking account was closed and I received a refund check but the check did not clear with the bank and I was charged a penalty of {$15.00}. I've contacted kabbage Inc at least 4 times concerning this issue. Everytime I was told that the check was being reprocessed and that it would be sent to me by mail in 10-15 days. However, I never received another check even after several contacts with this company.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (TX)

Escalating Concerns of a Continuing Identity Theft, of ' a Speciality Credit Reporting Agency known, as ' Early Warning.

Inaccurate information Requested for the Removal of Information from the Early Warning Database Systems with 'all Alligences and Alliants, the Dispute or Correct for Accounts in Inaccurate Account Risk, as well as ' Accounts ( 3 and 4 ) plus, years old ', And Inaccurate Errors in Application for a Secured XXXX, that ' are. the Made Causes for a Continuing Identity Theft, prior Addressed in " formal compliant process ''.

Contributor ( s ) XXXX XXXX ( Account Risk ) XXXX XXXX XXXX ( Overdrawn ) XXXX XXXX XXXX AZ XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX # XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Inaccurate Inquiries : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inaccurate Phone Numbers : XXXX XXXX
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (MA)

PLEASE HELP ME UNDERSTAND THIS! THEY'VE FAILED TO PROVIDE ME DETAIL REQUIRED DOCUMENTS THAT I'VE ASKED FOR MONTHS NOW! - I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (UT)

I disputed a debt from a collection agency Aldous & Associates ; They keep trying to collect a debt I do not owe, they sent me paperwork from my gym with some scribble and said I owed this debt.. I contacted the original creditor XXXX XXXX and as far as I know the problem was fixed. I think a gym staff scribbled my name on a contract, I told Aldous & Assoc numerous time via phone that I would not pay this false debt. Their customer service person was rude and yelled at me to pay my debts. I mage a complaint with the XXXX and the FTC and Utah state atty gen office. no matter what I responded to them through the XXXX   they will not accept anything else but for me to pay. I notice they have numerous complaints with the XXXX   about Aldous & Assoc with similar circumstances. Now they have sent my debt to the credit reporting bureaus which has damaged my credit score. I have found through XXXX there a several legal agencies that specialize in cases against Aldous & Assoc. I have documents i attaching from the XXXX. Utah atty gen office and XXXX XXXX my current bill which I have XXXX balance and in good standing with them.
Consumer complaint received 2024-04-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HUNTINGTON NATIONAL BANK, THE (OH)

An account was paid off and closed in XXXX. I was subsequently told the account was not closed and I had to submit additional paperwork which I did on XX/XX/XXXX via email. I was told the account was closed at that time, but this was reflected in my credit report. I have since received account statements that the account is open. Then I received notification in XXXX on my XXXX XXXX that the account was suddenly closed. Then I have continued to receive statements that the account is still active.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MA)

I NEED HELP PLEASE! I have BEEN TRYING FOR MONTHS NOW! I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe in ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/XXXX, my account was compromised. Someone sent themselves {$410.00} & {$580.00} 2 transactions. The name was XXXX XXXX. 
This was not authorized by myself, I realized this a day later, when I was trying to remove money from an atm.
Consumer complaint received 2022-12-27
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)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX 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 XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX