davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (TX)

This is regarding debt reported to Equifax. This debt is incorrect and is not owed. I was charged for damages that were not made by me to the apartment I lived in. Not only were they not from me, they were charged to my account beyond the limitation required by State law. It is the law that an itemization of damages to be charged within 30 days of moveout, this was not done. I disputed the charges through the complex and they never replied that they would be adjusting the amount. Instead, they sent me straight to collections. I disputed with XXXX and they have taken the account off of my profile. Equifax, on the other hand, " investigated it '', and updated the amount from {$210.00} to {$210.00}. It seems as though the investigation done was not proper at all. 

This is unacceptable because I provided more than enough documentation to prove that this was an unlawful and incorrect charge and now it is affecting my credit. I provided documentation of communication with the complex as well as the applicable statute which states that I can not be charged beyond 30 days. ( It was 50 days when I was charged ). This should be clear cut and taken off of my credit ASAP.
Consumer complaint received 2017-11-26
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. (TX)

There are 4 accounts on my credit report they are not mind. 
Someone must have used my information. 
I am not even old enough to have these things on my report. Havent bought anything done any thing. I just graduated from high school. All 3 of the credit bureaus
Consumer complaint received 2023-11-01
Product: Credit 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: JPMORGAN CHASE & CO. (FL)

On XX/XX/23 my card had been fraudulently used without my permission. Someone has used both my personal card and business card for the same multiple transactions leading up to {$10000.00} in fraud claims. Merchant name : XXXX XXXX XXXX XXXX XXXX I have never done business with this merchant before. However, JP Morgan Chase says they have throughly investigated my claims but provided no documentation of contacting the merchant or anyone in this matter. Going forward, after contacting Chase 's global fraud department ( Disrespectful customer service ) Chase says : My dispute claim has been closed, as their excuse was " We already investigated this claim. '' You see how misleading this is? How can they have investigated a claim but not contact the merchant or provide any sort of documentation? If anything, Chase is the real fraud. As a consumer, I shouldn't have to pay for something that I did not use/purchase. In my personal opinion, I think Chase does not want to credit me back for this amount since this is a large claim regardless of this being fraud. I understand that this is a business and they personally do not like to be liable for anything, but in this case this is just wrong. I would appreciate if the CFPB can investigate further into this matter as I believe JP Morgan Chase is held accountable for this incompetent/fraudulent behavior.
Consumer complaint received 2024-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC (AZ)

our original mortgage was through XXXX XXXX my wife got a XXXX  injury and was on XXXX for XXXX months they gave us a furlough and when we started paying our regular amount again to XXXX XXXX they made us a deal to take our mortgage higher and XXXX all the back fees into it they gave us a letter in XXXX to prove it we have it at the house then we found out in XXXX they were transferring fay mortgage and Faye is still asking for XXXX months of mortgage at XXXX but XXXX XXXX already upped our mortgage to XXXX it included all the late payments to XXXX keeps asking for like XXXX more
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (UT)

Convergent Outsourcing is reporting a debt on my credit file that I do not owe. I have talked to my Attorney General and am aware that this debt is past the statute of limitations in Utah. Not only that, this debt is past the credit reporting limit and must be removed. You are in violation of my rights under the FCRA and the FDCPA so this debt must be removed. If not, I will have no alternative than to exercise whatever rights and remedies we have under the laws not excluding pursuing legal suit against Convergent.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Telerecovery Corporation (LA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (AZ)

Freedom mortgage is my current loan servicer for a rental property I own. Their XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX ) reached out to me to reduce my rate. XXXX quoted me a rate and advised there would be no cost associated with that rate. As such I allowed him to continue with the application and pull credit. He later contacted me and stated that I would be charged basis points in order to be allowed that rate- not because of my credit score but because of the nature of the loan. This was never communicated to me. He never advised me that the rate he quoted me would or could have associated charges. He misled me into thinking I could get that rate assuming my credit score was as I quoted him. When I asked to speak with a manager to advise what had happened - the manager stated he should not have advised that the rate would not have associated fees. This misled me into a false understanding and I now have a hard inquiry on my credit that was completely unnecessary.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I'm Writing this complaint against XXXX, Equifax, XXXX. I have recently sent all three credit bureau letters regarding incorrect / Invalid information on my credit report. First letter was sent on XX/XX/2021 and second letter was sent XX/XX/2021. Today is XX/XX/2021 and still have not recieved a response or had any of these items removed from my credit report, which is totally illegal. 
Please remove all of these items from my credit report immediately. This has caused me to be denied for a place to live with my children and has caused so much personal stress to me. I will attach all the letters I sent to the Credit Bureaus with My personal Information and the items that need to be removed and account numbers. 

Thank you for all your help in advance with this issue, XXXX XXXX.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'm Writing this complaint against Transunion, XXXX XXXX. I have recently sent all three credit bureau letters regarding incorrect / Invalid information on my credit report. First letter was sent on XX/XX/2021 and second letter was sent XX/XX/2021. Today is XX/XX/2021 and still have not recieved a response or had any of these items removed from my credit report, which is totally illegal. 
Please remove all of these items from my credit report immediately. This has caused me to be denied for a place to live with my children and has caused so much personal stress to me. I will attach all the letters I sent to the Credit Bureaus with My personal Information and the items that need to be removed and account numbers. 

Thank you for all your help in advance with this issue, XXXX XXXX.
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc. (MO)

I had an outstanding medical bill from XXXX XXXX of XXXX which was from an automobile accident I was in where I was not at fault. I had several bills from multiple medical providers and thought I had paid the above mentioned bill of {$1200.00}. I received a call from KCI ( Kansas Counselors Inc ) about a week after my settlement -- Week of XXXX XXXX stating they were attempting to collect this debt. I had not received any prior information about this so I asked the representative to send me a copy so I can verify the debt and see if I have already paid it. I told them if it was valid I would pay it. Before I could even get the statement I noticed that the company put this debt out on my credit report. I told them I would pay the debt so reporting this immediately has hurt my credit. I will be paying this but I would like this to be removed from my credit report.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I have the Amazon Store Card from Synchrony Bank. 

I called synchrony today XX/XX/XXXX to see why my account was closed. They explained to me the reason for closing my account was because of two rejected payments. I had rejected payments on XX/XX/XXXX and XX/XX/XXXX. I didnt receive ANY warning or communication that it was going to be closed until I tried using it on XX/XX/XXXX. After getting my payments rejected both of those times, Ive immediately made my payment within days to maintain good credit history. 

I have over {$600.00} worth of reward points in this card that Ive earned and they will not give it back to me. I didnt even get a chance to redeem them. This is what Im most frustrated about!
Consumer complaint received 2021-06-29
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: Experian Information Solutions Inc. (GA)

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : 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 2021-06-29
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. (MD)

XXXX 's reported my credit card had late payments. I never made a late payment and requested written documentationXXXX I therefore closed the account. I need to have the late removed from credit immediately.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent several dispute letters asking TransUnion to send me written verification from debt collection XXXX XXXX XXXX, I have not received. Also, TransUnion is reporting is collection as an open account which is not under FCRA compliance.
Consumer complaint received 2021-06-30
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. (FL)

These are fraudulent inquiries on my report please remove them. XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2021-06-29
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-06-29
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. (NC)

On XX/XX/2021 I submitted a complaint with proof concerning inaccuracies on my credit report for an account with XXXX XXXX. 
Transunion and XXXX closed the complaint stating they had updated the account accurately XXXX these complaint numbers are XXXX and XXXX ). The account still does not match between these two bureaus. 
Per USC 1681i ( 5 ) - if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. 

I am submitting a copy of the payment section for XXXX XXXX account that was updated by XXXX  and XXXX. These two reports still do not match. XXXX still has the XX/XX/XXXX complaint open and it will be 30 days on tomorrow ( complaint # XXXX XXXXThis complaint also includes open complaint numbers # XXXX, XXXX, and XXXX concerning the same issue. Please have this account deleted at once. If this account is not deleted I plan to seek litigation.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK (KS)

My card was declined even though I knew I had just paid the bill and was in good standing. I called Discover Card customer service and they told me they had closed the account because the Social Security office had reported me as deceased on XX/XX/2021. My husband did die on XX/XX/2021. Discover Card representative told me I could have the Social Security office conference them in and give them a verbal authorization, then they would simply reinstate the card. 

After several days of trying to reach the Social Security office, I still have been unable to speak to anyone who can take action on this. In the meantime, not only do I not have my husband 's survivor benefits, I also have no credit card. The soonest the Social Security office ( and apparently this must be done locally ) could speak with me was in a telephone conference on XX/XX/XXXX, nearly two months after his death. 

I am unsure at this time how many other of my credit cards may be affected although I know that my XXXX XXXX and XXXX XXXX cards were cancelled immediately. I pride myself on having excellent credit and this in addition to being unable to order things I need until an unknown future date is financially and emotionally a hardship.
Consumer complaint received 2021-06-29
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: Santander Consumer USA Holdings Inc. (NJ)

the following accounts are appearing on my credit report, without any authorization, they do not belong to me, it is hurting me Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

11. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

12. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

17. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

18. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 

20. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

21. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 
Identity Theft 11 XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX CARD Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-29
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: GOLDMAN SACHS BANK USA (CA)

My card was charged with a lot of purchases from Apple Service. It was unauthorized charges. I reported fraud with the credit card company since XXXX, 2020. They were able to reimburse back most of the charges on my credit card. However, during the process, they reported to the credit bureau about my delinquency even during the investigation of the dispute. Finally, I paid the rest of unauthorized charges so my credit report can be cleaned but the delinquency still appears on the credit file. I contacted the credit company but they didn't do anything
Consumer complaint received 2023-09-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (IL)

I sent them a letter regarding that they were violating my rights also disputed them. Under this law Validation of Debts 15 U.S.C. 1692g Also Harassing or Abusive Practices 15 U.S.C. 1692d, False or Misleading Representations 15 U.S.C. 1692e claiming that they will not use if I make payment that is coercion deceptive acts harassment Furnishing Certain Deceptive Forms 15 U.S.C. 1692j Do I have a contact with you I want to see the two wet signatures.
Consumer complaint received 2021-06-29
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. (FL)

I have asked Experian for proof of validation for several items but instead I was sent a copy of my credit report. I demand that XXXX XXXX  XXXX in the amount of {$840.00} be immediately removed from my credit report.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX card does not belong to me please delete from my credit report XXXX XXXX XXXX XXXX  I was never late please remove from my credit report. Always paid on time
Consumer complaint received 2021-06-30
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: ERC (CA)

Despite my ongoing efforts for months on end all three credit companies along with the XXXX XXXX XXXX report negatively to a phone from the phone company who says a received a phone at my porch that never and is now 11 years since it happned. Fraud reports where filed and there should be no reason except extorsion on why these companies decide not to comply with currents FCRA laws that outile cleary the debt is old and should not be resold
Consumer complaint received 2021-06-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/2023, I sold a camera for {$1200.00} and the buyer paid with Venmo. I received the money in my account, and so provided the buyer with the camera. After dropping off the camera, the buyer then paid me a second time ( {$1200.00} again ). The buyer claimed it was an accident and I was immediately suspicious of a scam. I contacted Venmo via their online chat help system immediately ( See attached documents for the transcript ). Eventually, after the Venmo customer service agent confirmed that the funds came from the " same funding source '' and also said " if they stole the card, they will not be able to add it on their account without verifying it and providing the correct details '' I agreed to return the 2nd payment of {$1200.00} by reversing the payment. I expressed my sincere concern that the transaction was a scam, and received no action or investigation from Venmo on XX/XX/2023 ( See transcript ). On XX/XX/2023, Venmo informed me that my account balance in my Venmo account was now $ XXXX ( negative ) because " You didn't have enough money to cover some of your recent transactions. '' The " recent transaction '' was Venmo reversing the initial {$1200.00} without my authorization. Ultimately, I understand that the buyer was not at fault. It was Venmo 's security protocols that were at fault. I will attach all correspondence with Venmo to this complaint. Thank you for your time!