davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADRESSES ARE MY OLD ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX   XXXX , FL XXXX Old number and is no longer mine : XXXX *****MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

the XXXX XXXX account # XXXX XXXX  just reporting on my credit report has an inaccuracies that makes this report invalid!! date last active TransUnion XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX PLEASE DELETE THIS INVALID DEROGATORY ACCOUNT THAT IS HURTING MY CREDIT SCORE IMMEDIATELY!!
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK (OK)

I began using freedom debt relief to try and settle debt after a separation and ongoing divorce. I noticed that I had paid nearly {$250.00} in fees for one month, with a projection of {$97.00} for the next month while only paying down on one debt. They charged excessive fees, and when I called to cancel my account and withdraw remaining funds I was told there will be more fees and that they will return the balance in around 3 weeks.

Completely unhelpful and refusing to give back money that is not theirs!
Consumer complaint received 2019-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (SC)

My hazard insurance was due to XXXX XXXX in XXXX. As soon as I received the bill I contact my mortgage XXXX to have it paid out of my escrow account. They mailed a check on XX/XX/XXXX and never followed up to ensure it was received. XXXX XXXX I received a call from XXXX that my policy was going to expire on XXXX XXXX if I did not make the minimum payment. After being on an extremely long hold period XXXX they told me that there was nothing they could do because they have no reason to follow up on the checks they mail. I told them to wire the money they owed now and they said they don't wire money and the only thing they could do was open an inquiry on the check which will take 5 business days. I have tried to contact them several times and  each time I called I spent over an hour on hold and never got a person to pick up the phone. XXXX XXXX tried to call them and got the same results. XXXX now owes me money because I had to pay my insurance policy to keep it. I have been unable to reach XXXX for three days.
Consumer complaint received 2023-05-12
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)

The ITEMS listed below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unconfirmed & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to properly investigate the matter by using a third party as their verification provider. I've tried to address this directly with XXXX Credit Bureaus, but despite my efforts, they have been willfully negligent and in violation of XXXX law. I need this situation to be resolved right away. Please delete the following items from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$260.00}.
Consumer complaint received 2020-09-25
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: NAVY FEDERAL CREDIT UNION (TX)

THIS IS IN REFERENCE TO A NFCU CREDIT CARD WITHA BALANCE OF XXXX I HAVE ADVISED CRDEIT REPORTING COMPANIES XXXX, XXXX  AND XXXX  THAT THIS IS A DUPLICATE ACCOUNT. THEY ALL KEEP VERIFYING IT AS ACCURATE. NFCU HAS CONCEDED THAT IT IS BEING REPORTED INACCURATELEY YET THEY VERIFIED IT AS ACCURATE WITH THE BUREAUS.
Consumer complaint received 2022-09-13
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. (MD)

n accordance with the Fair Credit Reporting act State XXXX Account # 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 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XX/XX/2022
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (MI)

I recently sent you a complaint the number is ( XXXX ) on XX/XX/2019. TCF Bank has returned most of fraudulent charges XXXX XXXX XXXX and XXXX overdraft fee. TCF bank did not refund the fraudulent charge of XXXX and the XXXX over draft fee. The transaction number FOR THIS CHARGE was XXXX. ATM DEBIT card used was last 4 digits XXXX. I would like this to be refunded also. checking account # XXXX Thank You XXXX XXXX XXXX
Consumer complaint received 2019-12-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (FL)

PLEASE CALL MR. XXXX XXXX at THE EXECUTIVE OFFICE OF CUSTOMER ADVOCACY OF DISCOVER CARD ( XXXX ) XXXX as he knows my previous complaint about the same matter COMPLAINT ID XXXX filed on XX/XX/2019. 
The complaint was resolved successfully because Mr. XXXX removed the account debt from XXXX XXXX XXXX back to Discover Card at its original Dollar Value. I bought a Cashier 's Check of {$3200.00} to pay the debt and mailed it on XX/XX/2019. I have been in contact with XXXX at XXXX to find if my check arrived which it did on XX/XX/2019 and I was told by XXXX that she also received a check of {$6600.00} from LaVrar THE COLLECTION AGENCY but no problem because Discover Card will collect the debt and the remainder will be refunded to me. The remainder is {$6600.00} but I imagine Discover had to deposit both checks to collect all the monies and THEN ISSUE A SOLE CHECK FOR ME. I have been waiting for the check and I have been calling Shontae at XXXX but the recording says there is noone at the office PLEASE CALL BACK LATER. I called the customer service phone and a Manager COULD SEE A CHECK NUMBER IS GOING TO BE ISSUED but from where she was she could not see FOR HOW MUCH OR WHOSE NAME. I did not sleep the whole night at all THINKING! Not only me but also The XXXX XXXX have asked XXXX to mail back a check for {$6600.00} to XXXX XXXX XXXX to place the funds back in Escrow. The Title Company forced me to sign AGAINST MY WILL ( I have emails to prove it ) The Stipulation to pay LaVrar under threat my debt would go up to include Court Costs and others only to find XX/XX/2019 that my complaint was approved so I could pay Discover Card the lesser amount owed. 
The response of XXXX to my complaint ( dated XX/XX/2019 ) reads as follows : " XXXX HAS NO ACCESS TO THIS ACCOUNT BECAUSE THE DEBT HAS BEEN RETURNED TO DISCOVER ''. COMPLAINT ID XXXX QUESTION : Why did XXXX send the full {$6600.00} to Discover? Why not send it to The XXXX XXXX? Why not brake the monies and pay my Debt to Discover and The remainder send it to The XXXX XXXX? Wasn't it THAT XXXX HAS NO ACCESS TO THIS ACCOUNT???? 
I smell a big fish here. I think LaVrar wants to collect from the check from XXXX a fee and The Managers at XXXX DO NOT KNOW WHAT TO DO BECAUSE THEY HAVE NO ACCESS TO THE PREVIOUS HISTORY OF THE PROBLEM AS Mr. XXXX XXXX. I trust he will resolve wisely like he did in my first complaint. Please call him ASAP before you make a mistake. Thanks.
Consumer complaint received 2021-08-30
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. (TX)

I disputed multiple inaccurate accounts that I do not recognize that they are reporting to my credit report and they failed to send my investigation results and it has been more than 30 days! They continue to report false information to my credit file and hurting my credit rating!
Consumer complaint received 2019-12-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This bank is horrible I used to have a Walmart cars with XXXX XXXX  it was recently transferred to them they are damaging my credit reporting late past due payments over 120 days they dont care I lost my job recently and called them to tell them if their was any program or hardship they refused and said my account would be charged off how is this fair its like they want to hurt my credit then they say my account is enrolled in credit counseling and its not they told me it will take 48 hours and to call back once the info was removed everytime I call they give me. Hard time and claim its still enrolled their a bunch of liars and I hate them
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The following addresses are not my addresses and never have been : XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX , NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX These addresses are not habitable addresses as they are either USPS P.O. Box or XXXX  shipping location. The last time I checked, I can not reside at a XXXX  or USPS location. Additionally, I have contacted and verified with all my banks and lenders that these addresses were never associated with my name or accounts. Historically these incorrect addresses slow down my FBI background checks and are not places that I ever lived.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (CA)

We are with credit repair agency, ask to removed all the negative information in my credit file, one collection it should be on my report, there are an original company was sell my account to other agency, and others two credit cards companies the accounts was placed with the debts consolidations for over two years 24 months they should be they should be paid by now still on the negative items on my credit file.
Consumer complaint received 2021-08-30
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Salander Enterprises, LLC (WI)

I just found out that my wages are being garnished. I didn't get any notification and actually Paid for an attorney to assist me with the debt collector. I thought that someone would contact me either via mail or E-mail to inform me of some sort of date that I need to appear. At least ask about my budget to determine how much I can afford each month. Didn't happen. I don't know what to do and am going to end up homeless with 1/4 of my check taken.
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

Case XXXX. Your company closed my dispute claiming no error had occurred, when in fact an unknown person stole my purse and its contents. The no error has occurred is based upon technology. your company is not basing this upon a criminal act of which I had no control. You are backed by several banks and are FDIC insured. The police can not locate the suspect it was in a public place. I WANT to speak to an executive. Im not letting this go. I think its despicable especially when I informed cash app that multiple my cards were taken such as credit cards and other bank cards that I own. I am working with those banks. I need to speak to a live person and have this resolved that this case is not being closed without my money being refunded because my identity has been hijacked. The IRS and FBI are well aware as I filed reports with them as well.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

I have submitted multiple disputes by mail, phone and via the Equifax website. I have received at least 6 responses which are attached saying these invalid addresses have been deleted from my credit report but they have never been which is in violation of the fair credit reporting act. When I called i was told they must have been reported again but since theyre invalid addresses they shouldnt be reported by anyone and since its on there immediately as the results were received obviously they were never deleted. The addresses to remove are XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX. The following are the most recent confirmation numbers of results stating they have been deleted but still appear : XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019
Consumer complaint received 2020-02-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Pressler & Pressler, LLP (NJ)

I received a letter from a debt collector regarding a credit card bill. They address they have on file I rarely reside in its my mothers home so at any time if they did sent me letters I did NOT receive them. Now they are threatening to garnish my wages AGAIN and get my employer involved.
Consumer complaint received 2020-02-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I have contacted My mortgage company several times to refund my interest on the Loan I also sent them a recission Notice and they did not refund my money back. I also have a copy of the promissory with not proper endorsements. And have requested from Bank of America to show them proper endorsements and assignments. My last letter I sent to them was dated XX/XX/20 advising them that the promissory note is my signature and furthermore its not endorsed by the original lender and that I have sent recission notice and yesterday by fed ex I received another copy of the promissory with endorsements and now the original signature with my name and on the second copy of the promissory notes dont even match. My signature has forged on both documents. You can clearly see these signatures do not match. They are forging my signatures on the promissory. Same document has different signatures one with endorsements and the other without endorsements. Please help me.
Consumer complaint received 2023-02-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent you a letter last XXXX XXXX, 2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

I was scammed and made an ACH payment to a fraudulent account. I reported it to Chase two business days later on XX/XX/XXXX. I was told three times by Chase representatives that I would receive my money back, {$11000.00} and {$340.00}, within 5 business days. These representatives were wrong and no one investigated the Fraud, no one contacted the Receiving Bank or had any human intervention to retrieve my money. Chase admits that they were wrong but will not admit that they wasted time and made no attempts to get my money back or honor what their representatives told me. A filed a claim and was denied by three departments as they relied on the individuals who committed the errors. They passed the buck only to say that I did not read the fine print and that Chase takes no responsibility for wire transfers that I authorized even though it was to a fraudulent account and even though the required data for the transaction did not match the account my money was wired to. I have attached all emails sent by me which were also sent certified mail. Thank you.
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (MD)

XX/XX/XXXX, suspicious activity was reported on my Chime account. A fraudulent page on XXXX was doing a promotion with their logo and was phishing for info. I kept getting texts that I was requesting new log in codes. I called Chime to dispute it. They locked my account for three days, then it was unlocked for one day. I got a text on XX/XX/XXXX, that I changed my phone number and email to a Florida number. Which I did not!!! 
I called Chime again! Requested a dispute to be filed and my account to be closed. It was not closed, got a two new cards : Checking and XXXX XXXX Credit Card. But I can not access my account. I have not been able to access it since XX/XX/XXXX. I kept getting some type " I am not a robot '' every time I tried to log in. 
Employer direct deposited {$380.00} which he could not stop transfer from bank. I have been going back and forth with Chime Support. I am tired of sending pictures of my ID 's and SSN to prove who I am. I have been a customer for over 3 years. As of today, XX/XX/XXXX, I have no money. I still can not access my account. XXXX XXXX purchases were made from my account using my direct deposit BUT it was not me!
Consumer complaint received 2019-01-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

When obtaining and reviewing my XXXX  credit report I noticed an inquiry that I did not recognize nor initiate with Bank of America in XX/XX/2018. I initially contacted XXXX  and was advised to contact the company listed on my credit report.

I have since contacted Bank of America to get more information about this inquiry made to my personal credit report without my knowledge.

It was stated by Bank of America that the inquiry was made with a third party company. I have not authorized any such inquiry to my personal credit files.
Consumer complaint received 2020-02-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (AR)

In XXXX 2019 I was in a car accident and the other lady 's insurance was supposed to pay my medical costs as well as my daughters yet it is shown as in collections on my credit and I should only have one medical bill on my credit from 3 years ago