davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UMB FINANCIAL CORPORATION (IL)

I opened an account with UMB Bank through an online application on XX/XX/2020. The bank took my initial funding of {$100.00} and withdrew the money from my XXXX XXXX XXXX checking account. UMB Bank has now locked me out of my new checking account and has provided no way for me to receive a refund of my initial funding of {$100.00}. They have essentially held my money hostage.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rent Recovery Solutions (TX)

I have mailed multiple letters up to 120 days ago to Rent Recovery Solutions XXXX XXXX  XXXX XXXX XXXX, XXXX GA, XXXX requesting the following information from them : A letter including the following : Validation of the account Inform the business where the account was opened that the debt is the result of identity theft. 
Stop collection activities against me. 
Stop reporting information about the debt to credit reporting agencies. 
If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft. 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-02-11
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. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2020-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX XXXX {$3200.00} XXXX XXXX {$17000.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$55.00} XXXX XXXX
Consumer complaint received 2020-06-18
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. (MD)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there t1at I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX XXXX  XXXX {$260.00} XXXX   XXXX  XXXX {$300.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$400.00}
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Lexis Nexus is reporting a Chapter XXXX Bankruptcy on to all 3 credit bureaus although I submitted to them a letter from Georgia 's Bankruptcy Clerk of Court to them on XX/XX/XXXX stating that I do not have bankruptcy in my name. I have spoken to Lexis Nexus on XX/XX/XXXX at which time the representative was unable to verify their records because they started the dispute and by XX/XX/XXXX they Lexis Nexus was still trying to verify the bankruptcy. According to her it takes up to 30 for their investigation to be complete which gives them up to XX/XX/XXXX to be complete. However on XX/XX/XXXX Lexis Nexus verified this account with XXXX  Credit Bureau although they were not able to provide me with verification. This is a violation of FCRA Section 609.
Consumer complaint received 2020-08-12
Product: Debt collection — Payday loan 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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I received an email on XX/XX/XXXX at XXXX stating Garnishment Notification : case file # XXXX for an online loan. After alot of back and forth, the person on the other end of the emails refused to provide me with any further information to identify this " online loan '' not done by me. The initial email of XX/XX/XXXX stated harsh wording, including jail time. I have never taken out an online loan, especially one in question for XX/XX/XXXX. The sender of the emails refuses to provide me with a contact number for themselves. Emails for proof can be provided as evidence if requested. I did advise the sender I have a bankruptcy discharge for all my debt as of XX/XX/XXXX and that debt in question was not mine. The sender is insisting it is mine and claims no identity theft has occurred on my end, so it must be true. 

After reviewing the case file # online, it has been considered fraud and a use of intimidation to get money from hard working people.
Consumer complaint received 2020-08-12
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 (MA)

Purchased an airline ticket via XXXX which the AIRLINE canceled. I contacted XXXX And they informed me they work help getting a refund, however they have not done that. 

i followed up with opening a dispute with CAPITAL ONE however they have failed to assist in getting my refund. 

I did not get any services rendured from the ticket i purchased.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I received a fraudulent charge on my chase freedom unlimited account for {$1400.00} on XX/XX/22 for XXXX. I disputed this charge but it was reinstated as XXXX XXXX is claiming this was a legitimate charge. On XX/XX/22 I received a text from chase for fraudulent charge alert for XXXX for {$1300.00}. This notes an additional fraudulent attempt on the same site which chase recognizes as a fraudulent charge, however they are claiming the first charge as being legitimate. 

I did not make these purchases, and as a matter of fact I do not use XXXX. Ive never received the product that was purchased. Please help me. And thank you for your time.
Consumer complaint received 2023-05-29
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. (MI)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$450.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX  XXXX {$300.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$770.00} XXXX   XXXX {$2600.00} XXXX XXXX XXXX {$960.00} XXXX XXXX {$1100.00}
Consumer complaint received 2020-06-18
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$640.00} XXXX XXXX {$6800.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$600.00} XXXX XXXX   XXXX {$560.00}
Consumer complaint received 2020-08-12
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. (OH)

XXXX  XXXX XXXX XXXX # XXXX I was not aware of the debt and never received a notice. Please provide validation of debt and the procedure used to Validate.. 

XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 


XXXX  XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX  XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX XXXX/XXXX  # XXXX Not my account. Please Verification and Method of Verification. 

XXXX  XXXX  XXXX  Not my account. Please provide Verification, Method of Verification and Validation of Debt. 


XXXX  XXXX XXXX  # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX  XXXX XXXX  # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX/XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 


XXXX XXXX XXXX XXXX Payment history and dates inaccurate, please provide physical verification of late payments, method of verification and validation of debt. This is violation of my XXXX Rights not permission to share my info. 

XXXX XXXX XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and and validation of debt. 

Account # XXXX Incomplete file on XXXX, please remove ; if not please provide validation of debt and method of validation. 


XXXX XXXX XXXX # XXXX Provide the method of verification, validation of debt and assignment of debt as well. 


XXXX  XXXX  XXXX  # XXXX Please provide verification of account, validation of debt and the procedure used to Validate and assignment of debt. 


11 XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate. 

08 XXXX XXXX  XXXX  XXXX  # Please provide verification of account, validation of debt and the procedure used to Validate and and assignment of debt. 


01 XXXX  XXXX UNIVERSITY # XXXX Please provide verification of account, validation of debt and the procedure used to Validate.
Consumer complaint received 2020-06-18
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX  XXXX {$7000.00} XXXX XXXX {$7000.00} USDEPTED XXXX {$2100.00} USDDEPTED XXXX {$1700.00} USDOEXXXX XXXXXXXX {$4500.00}
Consumer complaint received 2020-06-18
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX  XXXX {$7000.00} XXXX XXXX {$7000.00} USDEPTED XXXX {$2100.00} USDDEPTED XXXX {$1700.00} USDOEXXXX  XXXX {$4500.00}
Consumer complaint received 2020-08-12
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: SYNCHRONY FINANCIAL (LA)

I have a loan with XXXX, XXXX XXXX, and SYNCB/TJX. 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, XXXX, XXXX XXXX, and SYNCB/TJX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (MD)

Transworld System Has placed accounts on my credit report for a medical bill for supposedly myself and my daughter - after reaching out to my insurance XXXX XXXX / XXXX I was told the bills are incorrect and not mine - they submitted my insurance incorrectly- so there balance are not mine and not done by law! They told me they never even got these claims. They fraudulently place these accounts on my credit I contacted XXXX today XX/XX/2020 and she said she had no idea why this was done like this and placed on my credit!
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have contacted XXXX  and Experian about information on my credit reports that was not accurate. XXXX  has done the right thing and deleted the information that was not accurate. Experian, however, will not delete the incorrect information from my credit report. 
Experian has old addresses and some other addresses listed on my credit file with them that I do not recognize. They also have name misspellings and incorrect phone numbers as well. This is a credit risk to me and could result in identity theft. When credit card offers and other information gets sent to these other addresses it provides an easy way for people to misuse the information. Therefore, I am requesting that Experian follow the lead of XXXX  and delete the incorrect information. 
Also, it is against the law to report inaccurate information on someones credit report. Those addresses are incorrect and should be deleted permanently since they are not recognizable and not deliverable to me by USPS.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BILL.COM, LLC (AZ)

I use XXXX to process payment for invoices I send out as a self-employed XXXX. I have been using them for years. Twice in the last XXXX  years, they have changed my account to an instant transfer from a free account and charged a 1 % fee on my transfer. 

They claim that I logged in in XXXX to switch to this type of payment option but I have XXXX payments ( XXXX, XXXX, and XXXX ) that were not on Instant Transfer and incurred no fee. However, in XXXX, they charged me the fee and told me that I had selected this option. 

This is technically impossible if I had changed the account in XXXX to have processed XXXX payments that incurred no fee. 

In addition, there is no email notification that the account had changed or a disclosure that a fee would be charged. They withheld the amount from my payment despite them advertising that XXXX transfers were free.
Consumer complaint received 2023-06-28
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: JPMORGAN CHASE & CO. (PA)

Received letter in mail XX/XX/XXXX advising that my application for a Chase credit card was missing information. I reviewed my credit report as I did not apply for a new credit card. Notes that XX/XX/XXXX there was a credit check from XXXX and XX/XX/XXXX there was a credit check for XXXX. Looking for advise on how to protect myself from someone opening a credit card under my name/ credit, as just this credit check, lowered my score by XXXX.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

We bank with XXXX XXXX and two of our checks were fraudulently deposited at TD Bank. Each check was for {$18000.00}. TD Bank refuses to respond to XXXX XXXX requests for reimbursement for the claims. They have actively followed up and TD Bank continues to do nothing. According to XXXX, this is very typical behavior of TD Bank, they do not return fraudulent funds despite legitimate claims. 

Something needs to be done to stop TD Bank from keeping fraudulent funds. This has to be against the law, right?
Consumer complaint received 2020-08-12
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: Experian Information Solutions Inc. (GA)

List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report That doesnt belong to me XXXX XXXX
Consumer complaint received 2024-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (IN)

I purchased my home in 2015. The home was purchased for XXXX. It also appraised for XXXX, which I have the appraisal on hand. I did get behind on payments due to medical expenses, life challenges due to XXXX of my kids being hospitalzied. However, I have worked really hard to come back from that and I called last year to see what I needed to do to get the PMI dropped. They told me I needed to be 12 months no late payements. I have now been 12 months no late payemnts, and have now requested twice they drop the PMI insurance and they denied both times stating they can not drop it until I reach 78 % of appraised value. Appraised vaue is XXXX back in 2015. I currently owe {$95000.00} and they still will not drop the PMI insurance, even though I have been over 12 months no late payemnts and I can not get ahold of anyone on the phone unless you wait forever on the phone going through their phone system putting in the same things over and over and if you are lucky you can talk to someone. Last week when I talked to someoen they told me they should drop it and that they would submit it yet again. And I get another denial again today. Not impressed with how Shellpoint Mortgaging Service Company is handling this situation.
Consumer complaint received 2020-08-12
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: FIFTH THIRD FINANCIAL CORPORATION (GA)

List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report That doesnt belong to me XXXX XXXX
Consumer complaint received 2020-08-12
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: STATE FARM BANK, FSB (GA)

List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report That doesnt belong to me XXXX XXXX