davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: INVESTORS BANK (NY)

The bank will not allow me to withdraw funds from my checking account. I have contacted them repeatedly. This started about 3 weeks ago. I wanted to close out my mortgage. I had to go back and forth between customer service and several branches. They finally managed to close out my mortgage. Now, I would like to withdraw funds. They have strung me along for two weeks, and now the manager XXXX, at the XXXX XXXX branch will not let me withdraw my own money.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (LA)

Theres incorrect information on my credit report. I spoke with Credence Resource Management on XX/XX/XXXX in regards to a collect on my credit report for an XXXX XXXX XXXX account thats been paid off for over 4 years now. I was informed that they never deleted it from my credit profile, because I never gave them the initiative to. But after speaking with a representative via telephone, he informed me that it would be deleted from my credit profile within 7 to 10 days. It has now been 21 days, with 15 of those days, being classified as business days. They will not delete the collection, they are just continuing to give me the run around and Ive been more then patient with them, because once again this account was paid off XXXX  years ago in XXXX, it is now XXXX.
Consumer complaint received 2020-04-06
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. (MD)

THE XXXX XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2020-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (IN)

On XX/XX/XXXX I ordered a XXXX XXXX from XXXX for my daughter. It was guaranteed arrive of XX/XX/XXXX. I got notification on XX/XX/XXXX that it shipped and on XX/XX/XXXX I emailed the company and asked when it was arriving at which time I as asked did I received email on XX/XX/XXXX. On XX/XX/XXXX, I did not get my package, there was no tracking number, there was no way to track it and I thought that was odd, and so did XXXX rep. The seller tried to add another month to shipping and I wanted my money back, it felt like a scam, he emailed me and said he would refund me, XXXX said the same thing, I told them.both I was going to put my bank on notice and I did. 
After Investigation, I got my money back. Now i get I have been getting collections calls, and I got a collections notice in the mail, for the very thing I did not get! I am being harrassed for a package that didnt come, they are trying to steal from me.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  XXXX acct 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 XXXXXXXX, XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX  # XXXX. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  XXXX || Account Number : XXXXXXXX XXXX XXXX| Account Number : XXXX XXXX  || Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX  || Account Number : XXXX XXXX  || Account Number : XXXX XXXX  || Account Number : XXXX
Consumer complaint received 2023-02-17
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. (TN)

After multiple complaints and attempts to get inaccurate information removed, these credit bureaus are still reporting these negative items on my credit report. 
U.S. Department of Ed. Partial Account # XXXX .... 

The Credit Bureaus stated my account was " Properly Investigated '', but how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, this is grounds for removal and violates my rights under 15 U.S.C Section 602 A. States I have the right to Privacy.

15 U.S.C Section 604 A. States A consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-02-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery license XXXX is collecting a debt that I am not aware of and the license is expired to collect in the state of Florida the account number for this debt is XXXX .... 
The amount trying to be collected is XXXX I would like this collection to be deleted from my recent credit reports Last 4 of my social are XXXX Won't let me put it in the next page
Consumer complaint received 2020-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc. (TX)

Hello, Starting in XX/XX/XXXX this company starting putting that I owe this balance from XXXX. 
I've tried to contact his company about this balance. I'm wondering why this is on my account reporting late and why such an old balance and its posted like I'm behind now. 
it has the last date of activity is XXXX of XXXX and its reporting that I'm late 120 days. please help me. the account is : Dyck O'Neal- Account # XXXX - Dyck Oneal-Account # XXXX. Dyck O'Neal- Account # XXXX. Dyck Oneal-Account #  XXXX.
Consumer complaint received 2020-04-06
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)

I was informed by my banker that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-04-06
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)

I was informed by my banker that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

To whom it may concern, I've had a lock on my credit with all XXXX bureaus for years. Experian, is of course the most annoying. Instead of simply allowing customers to hit a single key to lock and unlock their credit, they have an annoying form to fill out. Apparently this process hasn't helped them, considering the fact that this process hasn't stopped these XXXX  from losing everyones information a few years ago. 


Because of the corona virus I'm applying for a credit card. On XX/XX/2020 I unlocked my credit with the other bureaus and no matter how many times I put in my password Experian doesn't allow me in. Their system isn't even allowing me to answer the security questions I painstakingly set up with them. Now these XXXX  have the ABSOLUTE NERVE to request that I send them a copy of my SS CARD. MY ID, PROOF OF ADDRESS AND BIRTH CERTIFICATE all in the same envelope. Are they XXXX? They lost our info before, now they want it in the mail system? 

I tried calling and of course their service is terrible. They run you in loops and then hang up on you. HOW ARE THESE XXXX XXXX STILL IN CONTROL OF OUR LIVES? I want them to unlock my credit!!! It upsets me that I need permission from these XXXX  to live my life!
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MA)

I closed my XXXX Credit Card approximately a month ago with Discover and at first they told me that my money would be send as a check by mail in 5-7 days. Last weekend I called and asked again where is my money, but not only nobody could help me ( they transferred me more than 8 times to others Representatives ) but also gave me the same speech that I also have to wait 5-10 days now. This is an absurd, because they messed up in the first time and I still dont have my money back! This is a unacceptable!
Consumer complaint received 2020-04-06
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: Sequium Asset Solutions, LLC (LA)

There is Incorrect information on my credit report. In XX/XX/XXXX A collection was placed on my credit profile by Sequium Asset Solutions for a XXXX XXXX account I had no knowledge of. I spoke with Sequium, who then told me contact XXXX XXXX, in which I did. On XX/XX/XXXX I received an official email from XXXX XXXX stating that it was investigated and discovered to be fraud, please give it 6 to 8 weeks for the collection to be removed from my credit report. Well Its now been well past their 8 week mark & neither company, SEQUIUM ASSET SOLUTIONS or XXXX XXXX will not properly handle this situation and remove the collection from my credit report. Instead theyre sending me in circles, blaming each other.
Consumer complaint received 2020-04-06
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 was informed by my banker that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

I am a victim of identity theft and had an unlawful inquiry reported on my credit. Experian, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. I have already filed an Identity Theft report with the Federal Trade Commission and have attached a copy of it with the letter I sent. Remove and delete this inquiry from my credit report.
Consumer complaint received 2020-04-06
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)

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX XXXX {$99.00} XXXX XXXX XXXX XXXX {$140.00} XXXX  XXXX {$26.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$390.00}
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (UT)

On XX/XX/2021 I closed and funded after selling my home. 
After 6 weeks I still did not have my escrow money back. 
I E-mailed United wholesale mortgage severs times about this with no response. 
I called twice they said that they had 20 days to mail it I agreed and said your received the pay off on XX/XX/XXXX and its XX/XX/XXXX?? 
They said they would get to it however I still have not seen this check! 
I believe the law is they have 20 days to refund my escrow why do they get to keep over XXXX dollars of my $ $
Consumer complaint received 2020-04-06
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)

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX XXXX {$99.00} XXXX XXXX XXXX XXXX {$140.00} XXXX  XXXX {$26.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$390.00}
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

PLEASE SEE ATTACHED. 

I DID NOT ASK FOR YOUR NON SENSICAL EXPLANATION- I ASKED FOR PROOF - PLEASE DO NOT SEND ME XXXX ABOUT A DIATRIBE THAT IS NOT A SWORN AFFIDAVIT UNDER PENALTY OF PERJURY. I AM NOT INTERESTED OF YOUR NON SENSE STATEMENTS UNLESS YOU ARE PREPARED TO BE SUED. YOU HAVE NEVER PROVIDED ANY PROOOOOF. YOU ARE SIMPLY DIVERTING BLAME TO SOMEBODY ELSE INSTEAD OF PROVIDING THE ONE AND ONLY THING THAT SHOULD SUPPORT YOUR CLAIMS. YOU DO NOT HAVE A CONTRACT WITH ME. CFPB STOP CLOSING THE CASE WHEN YOU KNOW VERY WELL THEY HAVE NEVER PROVIDED ANY PROOF UNLESS YOU WANT TO BE INCLUDED IN THE LAWSUIT.
Consumer complaint received 2020-04-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO. (NY)

This is a follow up to an existing complaint I filed against JPMorgan Chase - Chase Recovery Services. I had been trying to re-negotiate an automatic deduction from my checking account, made monthly on the XXXX, for repayment of part of a credit card debt, that I was told I should do or they might take legal action. Given the current crisis, the fact that I am on SSDI, I tried to renegotiate this settlement with Chase - not to erase it - just to lower the monthly payment. They initially refused to stop the automatic deduction - I'm not sure how they can legally do that> I thought this was my bank account. I received a call from Chase Executive offices. A woman named XXXX left a message. Here is her information because you are going to need it - and I should note that she has now come up with two different telephone numbers in two different locations - so I don't think she's calling from Chase Executive Offices.

You sent the complaint to Chase - but they farmed it out to a debt collector, and this one is getting abusive as well. Originally, " XXXX '' called from XXXX XXXX, NJ. The phone number came up as XXXX. She said she was looking into it. I called her back three times - went automatically to voice mail. Although that was the number that came up on my phone, she asked me in her voicemail asked me to call : XXXX, ext. XXXX. That is the number I called 3 times. Straight to voicemail. 

Today, " XXXX '' called from the number XXXX, XXXX XXXX, NY. She's obviously not affiliated with " Chase Executive Offices. '' They are lying. She gave me another number to call, but said that she did not know if I could renegotiate this situation. That number is : XXXX. I called. It disconnected. " XXXX '' said that this was the " resolution '' to my complaint. Obviously it isn't. 

JPMorgan Chase gets my SSDI check directly from the SSA. Unless I can establish a new bank account at another bank, when I have XXXX and no XXXX XXXX   - and get that direct deposit set up with the SSA - they will continue to take my money and offer me no way to negotiate a lower monthly deduction - and this is all after Chase Customer Service refused my request to cancel that deduction. 

This is abominable. JPMorgan Chase is taking advantage of an immunocompromised person in the middle of a global pandemic. I've banked with them for 20 years, and I have apparently have no way of stopping them from stealing $ XXXXmonth from me. And I am XXXX  for XXXX and awaiting a test. " XXXX '' could actually hear me coughing on her " recorded '' line. 

JPMorgan Chase is LYING to the CFPB. And to me. And that probably means to millions of other Americans.
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

THE XXXXXXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im XXXX business days of receipt