davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-31
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 {$2800.00}.

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 onXX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed 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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Again, it has been 60 days so those items should be promptly deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the wrong person 's hands.
Consumer complaint received 2020-12-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: U.S. BANCORP (KY)

I received a call from a XXXX XXXX stating she was from a company based out of XXXX called XXXX XXXX. She gave me an account number of XXXX stating it was a checking account opened with u.s. bank on XX/XX/2007. She threatened to take me to court and have me arrested if I didn't pay thw amount owed on an overdraft in the amount of {$4300.00} XXXX called from phone number XXXX extension XXXX. I called U.S. Bank fraud department and they stated that I did not have any account with them based on my social security number which XXXX provided but I did not verify whether she was correct or not. They provided me with actual addresses of mine and places that I have worked.
Consumer complaint received 2020-12-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (WA)

I was behind on a few payments at one main financial in XXXX Washington. After receiving my stimulus second paycheck I immediately paid my past due palance. I called an agent to help me with my next payment for XXXX XXXX.After she looked into my account after 5 minutes I was a declined. When I called I have paid my full balance to be in good standing. I have tried other several companies All of them have either fur load my payment or extended it to help me during the pandemic issue of XX/XX/XXXX. One main financial also kept harassing me about three times a day looking for a payment when I did not have any money because of covid-19 financial issues. I hope for some leniency after my account was brought up to good standing yet I was still declined. OneMain financial did not give me any further options They did not help me at all and they were very unprofessional. The last words that one main financial agent told me was next time in the future call ahead of time if I need help with my future payment. That is exactly what I was calling about I believe the fee is anywhere between {$25.00} to {$50.00} and I was behind two payments if my fees would have been waived I would have a smaller amount owed in XXXX which would have helped me they're in the covid-19 pandemic crisis. Even one waved fee would have been great help during this disaster. I feel taken advantage of during this crisis and that is why I came to this website to file a company. thank you.
Consumer complaint received 2020-12-31
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 {$2800.00}.

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 onXX/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 ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Consumer complaint received 2020-12-31
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)

EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2020-12-31
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. (NY)

XXXX, XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (TX)

I HAD NO IDEA I HAD THIS DEBT IT IS A XXXX CREDIT CARD OPENED XXXX AND CLOSED XXXX I HAD TRIED TO REFINANCE MY HOUSE AND FOUND OUT THE COMPANY SOLD IT TO XXXXXX/XX/XXXX WHICH THEN WENT TO A LAWYER WHERE THEY PUT A LEIN AGAINST MY HOUSE, I CALLED THEM XXXX AT XXXX XX/XX/XXXX AND SPOKE WITH XXXX XXXX SHE SAID SHE WOULD GET THE INFO TO THE LAWYERS AND THEY WOULD BE BACK WITH ME WITHIN 24HRS AND I GOT A EMAIL BACK AT XXXX SAYING THEY COUNTER OFFERED I DO NOT OWE THIS DEBT BUT TO RUSH THINGS ALONG ON MY HOUSE REFINANCE I TRIED TO SETTLE THE TOTAL AMOUNT WAS A LITTLE OVER XXXX I OFFERED XXXX, THEY COUNTERED WITH THEY WILL ACCEPT XXXX AND PAYMENTS ON THE REMAINING TOTAL OF XXXX. I DONT KNOW HOW TO CHECK ON THIS AND I DONT FEEL ITS MINE CAN YOU HELP ME
Consumer complaint received 2024-05-20
Product: Credit reporting 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 several endeavors 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Our mortgage loan was transferred from XXXX XXXX to SPS ( Select Portfolio Servicing INC ). I have always made our payment online. I just made our first payment with SPS online ( https : //www.spservicing.com/ ) and I was charged a {$5.00} fee to make a payment online. I do NOT agree with this charge and I believe it's against the law for a new servicing company to charge a fee to make a payment especially when that payment is made online with no human assistance. Over the life of our loan this would result it more than {$1800.00} in fees. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that provides limitations on what debt collectors can do when collecting certain types of debt. I believe this fee is unnecessary and I do not agree with it at all.
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (FL)

On XX/XX/XXXX, I called to the customer service line to inquire about the annual fee. I asked for a refund/reversal of the annual fee and closure of the account within a few days of the renewal date. Customer service representative said that this could not be done and that he needed to submit a request that would take several business days. After waiting, I called back to find out the resolution and the company said that they could not refund/reverse the annual fee even after attempting to close the account. This is a dormant account, meaning I had not used for more than 6 months and will not use in the future. I think, it is very unfair for a credit card company to make you pay for an account that is not and will not be used. 
Now I have to pay the annual fee ( the only balance ) in the account in order to close it with no negative impact to my credit report.
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I called Portfolio Recovery Services to attempt to settle a debt. They informed me that I already had judgements filed against me in a state that I haven't lived in since 2010. I also question the amount of the original debt. The operator on the phone was unable to see who signed the certified letter that received the documents that summoned me to court on both cases. I do not know why they sued me in a state I haven't lived in for a decade. I did not have a fair opportunity to respond to either suit and was unaware of it even happening until I called them to settle the debt.
Consumer complaint received 2021-01-01
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: Verisk Analytics Inc (IL)

LUNDQUIST CONSULTING INC, IS A DATA FURNISHER FOR XXXX. MY XXXX CREDIT REPORT FILE NUMBER XXXX HAS A BANKRUPTCY # XXXX AS BEING VERIFIED AS ACCURATE ON XXXX # XXXX HAS A ADDRESS I NEVERED LIVED AT AND UNDER THE BANKRUPTCY CONTACT INFO ON MY CREDIT REPORT FILE NUMBER XXXX IT DONT MATCH THE US BANKRUPTCY COURT DOCUMENT. MY CREDIT REPORT WITH XXXX  SHOWS A CLEAR PICTURE THAT LUNDQUIST CONSULTING INC AND PACER HAS A MIX FILE I AM ALSO A VICTIM OF IDENTITY THEFT, MY RIGHTS UNDER FCRA 623 ( a ) ( 6 ) ( b ), FCRA ( a ) ( 2 ) AND FCRA 616, 617, 621 FOR NON COMPLIANCE
Consumer complaint received 2021-08-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MN)

I went into Chase Bank located at XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX, Phone ( XXXX ) XXXX to open up a Chase Bank checking and savings accounts. I was informed my application was declined and denied due to me having a current bankruptcy. I was informed by Chase Bank Corporate Office that i wont be denied to open up a checking account due to a previous Chapter XXXX Bankruptcy filing and discharged. I was told it was ok for me to open an account and I would be approved to open up a Chase Bank checking and savings account, but I was denied due to my Chapter XXXX Bankruptcy Discharged on XX/XX/2020.
Consumer complaint received 2021-08-27
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: TD BANK US HOLDING COMPANY (NY)

These accounts don`t belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.
Consumer complaint received 2021-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

a company called credence resource managment bought a debt that was removed from my credit report now there harrasing me for a bill that was removed. this keep happeinig to me every time its removed how can i prevent this? its a a XXXX XXXX XXXX bill and dates are wrong of service.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I subscribed to HP XX/XX/XXXXXXXX on XX/XX/2020. I paid to initiate the services with my MasterCard {$53.00} and was told at that time I could call back and change the payment source, which I did XX/XX/XXXX, to a XXXX Debit Card ; {$16.00} monthly. I have a copy of the updated agreement, XXXX. I discovered on XX/XX/2020 upon reviewing my MasterCard bill that I had not used since starting the subscription with HP that HP XXXX  XX/XX/XXXX had been double billing for services since XX/XX/2020. HP credited my MasterCard the XXXX of each month and then my XXXX XXXX on the XXXX of each month clearly an input error by their staff. I contacted HP at XXXX, option 2 and requested that my MasterCard be credited ; I was told that someone from the Billing Department would contact me. HP gave me a case number of XXXX. I subsequently contacted MasterCard and told them about the disputes form HP ; initially they agreed to investigate and I submitted website information from my XXXX account. After clarifying the information sent to MasterCard I was told they were closing the cases because there were problems with the length of time and refused to close the account since it was being disputed. I requested their policy information but was told it would be mailed in 7 to 10 days. XX/XX/2020 I received a phone call from the billing department and was told the problem was my fault and initially was told they would not credit my XXXX Account for any of the disputed months ; with much discussion to follow HP sent an agreement to credit only 3 of the 6 months and provide 3 months of free service. This is not right that I have to pay for their mistake with interest on my MasterCard. I do not wish to continue any service with this unscrupulous organization and I am due an additional 3 months credit to my MasterCard with interest.
Consumer complaint received 2023-03-04
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. (MD)

This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : US Dept of Education Debt ID Number : XXXX ( Unverified account ) XXXX ( Unverified account ) XXXX ( Unverified account )
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/XXXX or XXXX, 2020, I contacted Capital One regarding my Neiman Marcus account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/ 2020 via internet. On the same day, I contacted Capital One regarding Neiman Marcus account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with Saks Fifth with enrollment on the COVID-19 last month. 

On XXXX XXXX, 2020, I received multiple alerts about a negative reporting on my credit file. Capital One reported my Neiman Marcus accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and Capital One may be experiencing some technicalities with this XXXX suppression/deferment program as the same issue I reported regarding my Saks FifthAvenue account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from Neiman Marcus account & from all three credit reporting agencies XX/XX/XXXXand XX/XX/XXXX.
Consumer complaint received 2021-08-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (AL)

I I took out a {$2000.00} loan because I was out of a job and I have been paying XXXX a month for 5 months now and I still owe more than the principal amount. I'm depressed, the value never went down and the main value went up. impossible to settle the amount. terrible. I call the corporate and nobody give a call. This need to stop and people never have to go in this place called CHECK AND GO! Loan Sharks
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (DC)

Two of my three consumer credit reports ( XXXX  and XXXX ) are each erroneously showing a single 30-day delinquency on my Mercedes-Benz Financial Services installment loan ( account no. XXXX ), while my XXXX  credit report correctly shows that the account was never delinquent and always paid in full and on time. Moreover, the two credit reports that reflect the erroneous delinquency are reporting it in different monthsXXXX shows a 30-day delinquency in XX/XX/2017, while XXXX  shows a 30-day delinquency in XX/XX/2017. This account was never 30 days ( or any number of days ) delinquent in either of those months or any other month. Rather, the account was fully paid off, on time, without a single late or missed installment payment over the entire life of the loan. 

I spoke with a representative of Mercedes-Benz Financial Services on XX/XX/XXXX regarding the inaccurate information being reported to the two credit bureaus, and she agreed and confirmed that the information is, indeed, inaccurate according to their own records and that no delinquency of any kind should have ever been reported for my account. She further informed me, however, that she would not be able to correct the error for me, and the only way to get it corrected would be to submit a written request.
Consumer complaint received 2021-08-27
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. (TX)

I HAVE AN ACCOUNT REPORTING ON MY CREDIT REPORT THAT I DISPUTED WITH THE CREDIT BUREAUS BUT I HAVE NOT HEARD ANYTHING FROM THEM AND IT'S BEEN OVER 3 MONTHS
Consumer complaint received 2020-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX of this year TransUnion created a credit report on me that was erroneous on TransUnion part. TransUnion has admitted their error. 

By law TransUnion is required to notify any and all parties that may have accessed my credit report. 

TransUnion has failed to do so. TransUnion has not followed the law. 

TransUnion has failed to return calls. 
TransUnion has failed on many fronts.
Consumer complaint received 2021-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

i was told i needed to submit a subpoena in order to access my funds by a bank teller at WellsFargo and XXXX, i also had deposits made thru the treasury direct and on my bank statement it shows as a floating adjustments. I've contacted the federal reserve board but they weren't much help.