davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/21, I got an email that my sim-card of my cell phone was changed in California, as I am currently in and live in New York. My cell phone then immediately didnt work there after. 
I then checked my bank account soon after and two large withdrawals were made at my bank, Chase of approx. {$3000.00}. I then immediately called chase and couldnt speak to anyone important. All they could say was it was an ATM withdrawal, therefore someone created a new card and withdrew money fraudulently. 
Chase wont be available until Monday as it is late Saturday night. Spoke with so many representatives and they couldnt do anything ....
Consumer complaint received 2021-01-02
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)

On XXXX XXXX I inadvertently sent {$100.00} to an incorrect person. I immediately notified Capital One bank of my error. I was told until the transaction posted, there was nothing they could do. The rep then told me I would be getting a letter in the mail within 7-10 days and to fill it out and return it immediately. It is now XX/XX/XXXX and I am still waiting for said letter. I received a generic letter on XX/XX/XXXX stating that the merchant provided no cancelation of transaction. As stated I tried via Capital One to do so but they failed to provide the service. I tried to contact the merchant/person and I got a response in XXXX. Needless to say I have no idea what it said. How Capital One contacted the merchant/person and got a coherent response in XXXX is far fetched at best. I received NO SERVICES OR PRODUCTS from said merchant/person. Upon contacting Capital One, they could not provide me with an answer as to how they came to their generic conclusion.
Consumer complaint received 2022-11-01
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240000.00}
Consumer complaint received 2021-01-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

On at least four separate occasions between XXXX and early XXXX, I have requested ERC provide proof that they are legally allowed to collect this debt. I have yet to receive any documentation from ERC, yet they have continued to report this collection account on my credit report.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion You are reporting a tradeline that is not mine. XXXX XXXX account number XXXX My Legal Name is XXXX XXXX XXXX not what XXXX XXXX  IS REPORTING. My request is for compliant XXXX XXXX reporting. 

This must be deleted immediately.
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Healthcare Financial Services, LLC (OH)

I XXXX XXXX is the Original creditor. Pursuant to 15 usc 1692 a ( 4 ) No corporation can validate a debt. Also debt means any obligation or alleged obligation pursuant to 15 usc 1692 a ( 5 ). I am sending in a copy of the letters being sent to my place of abode. In these letters I have marked each violation for review. Please see the attached copies. I have tried resolving this with the collection agencies in which they keep saying this alleged debt is validated. Again how can you validate something you was not there for. Only I the original creditor can validate this alleged Debt. I XXXX XXXX DO NOT validate this debt. I will be filing a complaint with the XXXX  as well as the attorney general. I do also plan to contact the media and release the information in regards to me being the consumer and natural person and my consumer rights as listed by Congress.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have told Experian that my phone number is not and never was XXXX. Experian refuses to remove this phone number from my account. This is illegal! I've contacted all my banks and lenders who say they have never associated this phone number with any of my accounts.
Consumer complaint received 2021-01-02
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. (CA)

A charge to my account in the amount of {$3300.00} on XX/XX/XXXX to XXXX XXXX. I did not make this purchase nor was my card used for this purchase. This was posted to my account in error or fraudulently. 

XX/XX/XXXX I first noticed the incorrect charge. I checked my email and there was a notice from Chase on XX/XX/XXXX flagging the charge. I clicked the something's wrong link in the email and it said it was expired and listed a telephone number to call. I called and reported that I did not make the purchase and the card was in my possession and was not used by anyone. The representative said the charge would be removed, the account would be closed and a new card issued and mailed to me. He stated it would take 7-10 business days. I stopped using the card at this time. 

XX/XX/XXXX the account was still active and I called and reported the incorrect charge of {$3300.00} for a second time. The charge was removed, the account closed and a new account/card issued. 

On XX/XX/XXXX the charge reappeared on my account and I reported it for a 3rd time. I was told the claim would be resubmitted. 

XX/XX/XXXX the charge was still on my account and I called again. I was told I needed to deal with it directly with XXXX XXXX and Chase would do nothing further and the charge would remain on my account. Chase said I needed to go to the XXXX XXXX where the purchase was made and get a copy of the receipt. I advised that this was at least 40 miles away and the state of California was on a stay at home order due to Covid-19. Chase stated they would do nothing futher. 

XX/XX/XXXX I went to the XXXX XXXX XXXX, California Chase branch and spoke with Mr. XXXX. He called the fraud department and was told the same thing. He did get an email contact with the fraud department. He advise that I should try to contact XXXX XXXX and see if I could obtain an information about the transaction and resumit the any information. 

XX/XX/XXXX I contacted XXXX XXXX directly and they provided a copy of the receipt. They advised that my credit card company needs to contact them directly regarding the error. 

XX/XX/XXXX I sent an email with the receipt to Chase at the email provided by the XXXX, XXXX XXXX Chase branch. The email address provided is XXXX. 

XX/XX/XXXX I called Chase and advised that I had a receipt from XXXX XXXX. I advised that XXXX XXXX said that Chase needed to contact them directly regarding the error. I asked for an email address to send the XXXX XXXX receipt and was given XXXX to send the receipt. 

XX/XX/XXXX Chase again denied the fraud/error and said I was responsible for payment. 

The charge was flagged by Chase as possibly fraud and yet they will not remove it or investigate it with XXXX XXXX. They have not provided any documentation on their investigation or done any type of follow up with me.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (PA)

CCS USA listed an incorrect creditor or payee, and I hope this is paid properly as of today. 

XX/XX/XXXX is which I was to be paying. 6 months, I was following payment plan procedures and I thought the CCS people were fraudulently trying to collect a closed debt from XXXX XXXX XXXX, as I only knew inform to be the payee/creditor, so I disputed the mismatching information and also contacted inform XXXX directly to pay, who has not gotten back to me after saying someone will call me back.
Consumer complaint received 2021-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLIANT CREDIT UNION (FL)

I opened a checking and savings account with Alliant Credit Union. Once my card came in the mail I attempted to activate it. I came to realize my account was restricted and " under review ''. 

Alliant verified my identity when they opened my account and I haven't been able to add money to account so there is no suspicious activity on the account. This makes no sense, I have a XXXX XXXX credit score and I also applied for a credit card, I can not open the secured decision letter online because the online banking is also restricted. 

I feel like I'm being discriminated against for age and race, if Alliant is a Fair Opportunity Lender then they should treat me as such.
Consumer complaint received 2022-11-01
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable items and update or correct them immediately : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2023-03-06
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. (GA)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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
Consumer complaint received 2021-01-02
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

A deposited {$55.00} check to PNC checking from XXXX XXXX was erroneously returned. I resolved the issue with XXXX and explained to PNC the error by XXXX. By returning the deposit of {$55.00}, transactions were returned, assessed {$36.00} return as well as return deposit fee of {$12.00}. 
Now, on XX/XX/XXXX, a deposit to PNC checking for {$150.00} was placed on hold and still on hold today XX/XX/XXXX. This profiling my account by holding the deposit amount has caused returned items and additional {$36.00} fee. 
My account is still held in an overdraft status due to the hold. PNC has held deposits, without cause, prior to this because of coding or profiling and I had to file a complaint and go through hours of proving that particular check, from a Money Order refund, was valid. Millions of checks are deposited by customers but my deposit was coded. 
On XX/XX/XXXX, I received a letter from PNC stating a 5 day hold was placed on the {$150.00} deposit. The reason was information from paying bank indicates check may not be paid. This is false as there were more than sufficient funds in my XXXX XXXX account. There could not be such an indication and PNC is wrong on this and sending me false information. 
The check for {$150.00} cleared my acct at XXXX XXXX on XX/XX/XXXX. 
I expect the fees 2 x {$36.00} and {$12.00} return deposit fee be refunded. 
I am opted into the Overdraft Protection, however, PNC chooses not to pay the transactions. 

I expect a refund of at least {$82.00}, the hold removed immediately and my account brought to a positive balance. I also expect to have special treatment and profiling my account removed.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The credit inquiries below are damaging to my credit rating. I have asked Transunion multiple times to provide full documentation regarding the circumstances surrounding their release of my credit report pursuant to the permissible purpose provisions of the fair credit reporting act. I have also filed a FTC report with the following inquiries and they failed to respond to my request for removal. 

1.XX/XX/XXXXXXXX XXXX 2. XX/XX/XXXX XX/XX/XXXX 3XXXXXX/XX/XXXX XX/XX/XXXX 4.XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX 5.XX/XX/XXXXXX/XX/XXXX 6.XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 7.XX/XX/XXXX XX/XX/XXXX 8.XX/XX/XXXXXX/XX/XXXX 9XXXX XX/XX/XXXX If Transunion can not provide such documentation, they are obligated to remove the offending inquiry at once
Consumer complaint received 2022-11-01
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : XXXXXXXX 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 XX/XX/2022
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A phone call, letter and email was sent to XXXX XXXX to correct a reporting error. XXXX reported to the credit bureaus the wrong balance information causing me to lose valuable point and credit worthiness. 
XXXX XXXX reported that my XXXX ending balance was XXXX plus dollars when it was actually XXXX dollars. Please see attached. As of this date, the problem has not been corrected.
Consumer complaint received 2023-12-30
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

Application was submitted to Synchrony Bank at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. After Identity was confirmed the store representative changed my identification by altering my name on the application form after she confirmed my identity. She then changed the identity on my application by changing the last name. Once they confirmed I was a XXXX man the XXXX was denied by Synchrony Bank Merchant Services.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

Applying to Experian for my free credit report ( initiated at http : //www.annualcreditreport.com/ ) Experian requires me to file a paper request saying : " A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. '' It has been my experience that the credit reporting companies are repeatedly requiring me to " jump through hoops '' to get my free credit reports when they have no valid reason for the extra steps. I have seen this multiple times with the big credit reporting companies.
Consumer complaint received 2022-11-01
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXXXXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2021 I applied for a secured line of credit with XXXX XXXX. I put down a limit of XXXX dollars, for 15 months I paid my secured card on time and accordingly. Unfortunately due to a string of tragic events which left me unable to keep up with my bills I fell behind on payments. The institution XXXX XXXX then went on to place my account with months of late payments following a result of my account being deemed Charge- Off. I am aware the IRS clearly defines a Charge- Off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
Consumer complaint received 2022-11-01
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: MOHELA (CO)

There were XXXX loan fraudulently taken out in my name through Mohela/Dept of Ed XXXX 

MOHELA/DEPT OF ED XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX One taken out on XX/XX/22 for {$2100.00}. 
One taken out on XX/XX/22 for {$1100.00}. 

I did not take these loans out. They were taken out under my name fraudulently. 

I have tried to contact the company multiple times and hade been on hold over an hour only to be disconnected. 

Can you please help me with this before anymore loans are taken out in my name? 

Thank you so much! 

XXXX XXXX
Consumer complaint received 2021-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I was going through a divorce and had to move out of my home. My wife was still living in the home. I began to work with a real estate agent to complete a short sale on my home. Per the lender, all documents were submitted that were needed. We had been working and cooperating with the Select Portfolio since the short sale file had been opened. My lender began asking for duplicates of information already sent. At the request of the lender, my agent re-submitted all information. Upon calling in to get an update, the mortgage lender stated they cant help me due to a foreclosure sale date being established and because they mailed out a document that needed to be sent back that I never received. I am just trying to sell my home via a short sale and have done everything that was requested of me. It seems as though they are trying to force me into a foreclosure and not assist me with my property and that's not right. Can you help me in some way please. My foreclosure date is XX/XX/21
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (IN)

My wife and I moved to Indiana around XX/XX/2019. We subcribed to XXXX for T.V. Internet service against the advice of other residents that had the service. The service was so bad that we couldn't watch TV because it kept buffering and dropping.We always had a hard time reaching tech support and customer service. We canceled the service within 2 months and returned their equipment. They sent our account to collections to Eastern Account Systems and it's on my credit report.