davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft and these damages are a defamation of my character. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY. These account should not be furnished on my consumer report as they are in VIOLATION!!!! Under, 15 U.S. Code 161b- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENETITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. XXXX XXXX XXXX XXXX  Secured Loan Original Amount : {$15000.00} Current Balance : XXXX Portfolio balance {$650.00} XXXX XXXX  Original Balance {$1000.00} Current Balance {$1000.00} Local Government Original Balance : {$500.00} XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ATTACHMENTS XXXX ( XXXX MB ) FTC XXXX ( XXXX KB ) XXXX ( XXXX KB
Consumer complaint received 2021-03-17
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)

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to the credit bureaus. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2017-05-03
Product: Debt collection — I do not know
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: Advance America, Cash Advance Centers, Inc. (CA)

On    XXXX   XXXX   XXXX      a debt collector called me the phone # is  XXXX . They threatened to sue me, take me to jail bring the cops to my home, called many of my family members told them the same thing saying they are going to bring the police to their house to search for me. First off I went banckrupt case was finalized   XXXX   XXXX     in  XXXX   XXXX   XXXX   XXXX . Secondly I am in stage  XXXX   XXXX  I told them I was bankrupt and they said they do n't care their still going to sue me please help
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIRST ADVANTAGE CORPORATION (MO)

XX/XX/21 I placed an online order w/ XXXX  for a birth certificate. The birth certificate is to come from AR XXXX XXXX XXXX XXXX. XXXX # XXXX, I received an email that shows my order shipped XX/XX/21. Per XXXX email, timeframe is 3-7 days. I never received the order. I sent multiple emails. 

I placed another order for the same birth certificate on XX/XX/21, Order XXXX. I received an email notifying me that my order shipped XX/XX/21. After sometime of me NOT receiving this order either, I sent emails. I eventually received a response advising me to contact Arkansas XXXX XXXX at XXXX. 

I called the number and I was informed its the incorrect number to be calling, they dont know why that number is being given to the public. The young lady then provided me a different number XXXX. I have called that number and I keep getting transferred to someones voicemail by the name of XXXX XXXX, her mailbox is full. 

At this point. I just want a FULL REFUND. $ XXXX for each order placed. These are not the only orders I placed. I had one other order BETWEEN these & I received it withing the timeframe of 3-7 days. So what is happening each time I place an order for my mothers birth certificate that I am receiving a notification that it shipped and I dont believe it ever shipped. I would have it by now. I got my other order. Thats {$46.00} Im out of now. I want my refund please and thanks.
Consumer complaint received 2019-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NE)

We Refinanced or house on XX/XX/2019. It is now with a different company. They have not sent my escrow refund of {$2600.00}. It has been more than 30 days. Round point mortgage service should have sent it and I should received it by now.
Consumer complaint received 2021-03-17
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: U.S. BANCORP (MN)

There is a charge on my credit card that Im trying to dispute due to the fact that services were not rendered. Apparently US BANK states they sent me mail communication requesting additional information and I have repeatedly told them I did not receive this type of communication in the mail. Although this is a technicality issue and the dispute should continue as it is designed to you they are refusing to reopen an investigation, they have reverse the provisional credit and continue to charge me late fees and interest fees. I also did not receive any communication in the mail stating that this dispute was closed not in my favor until I received an email stating that my account was past due ... I do not carry a balance on my credit cards ever. I have continuously called US BANK and their claim representatives have told me that I now need to take up the issue with the Postal Service at is it its no longer there a problem. Due to their lack of respect for their costumers I have closed all accounts associated with this company and I am hoping that my credit reporting does not take a hit because they refused to cooperate with their customer on this issue.
Consumer complaint received 2024-03-20
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. (FL)

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 [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. 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 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : Dept of EdXXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX Bank, account number XXXX, which has been charged off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

on XX/XX/2021, a charge alert on my Chime debit card for {$560.00} at XXXX XXXX took place. I did not make this transaction. there is no way physically possible I could make this transaction being it was in a state hundreds of miles away. I contacted Chime to dispute the charge and they informed me it had to be settled before I could file the claim. the person informed me the charge took place in the state of Arizona. I live in Tennessee. By then the charge had been broken into two charges, one for {$50.00} and one for {$510.00}. When you add them together you get {$560.00}. on XX/XX/XXXX, I filed a claim for fraudulent transaction, filled out the paperwork and sent it back to Chime 's claim department. A few hours later I received an email stating my claim was denied and no error occurred. I immediately contacted Chime to speak to a manager to help resolve this issue. he informed me he needed some proof I was in Tennessee when this transaction took place not Arizona. I sent him a picture of two receipts from XX/XX/XXXX showing I was in Tennessee when this fraudulent transaction took place. Later that night on XX/XX/XXXX, I received an email stating, in so many words, that since I've done business at XXXX previously, that these particular transactions couldn't be fraudulent, despite the fact of location differences.
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation (AL)

TELERECOVERY Original creditor : XXXX  WALK-IN CARE {$360.00} Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, 2018 Account type Collection Department / Agency / Attorney Already contacted them and asked to to validate the account twice and still nothing
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

XXXX   XXXX   XXXX   XXXX   XXXX  Synchrony Bank will not post my correct balance and payment history to the  XXXX  reporting agencies   XXXX   XXXX   and  XXXX      they keep reporting I have maxed out my card and not show my correct balance I was forced to pay off my account and close my account I need for them to post my good payment history and my balance paid off and closed
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

I have disputes this debt numerous times with the three credit bureaus, and also have sent numerous notarized letters to this company, I have never receive a response back, and I get to the point that I can't no longer dispute on the bureau anymore and contacting this company is very frustrating, they have two addresses listed and I've sent numerous notarized letters to both address to let them know that I am disputing this debt because it does not belongs to me, but I never receive a reply from the company. I don't know this company and I have never done any business with them. I have never receive any letters or email or phone calls from this company that put mess up my credit with their fraud collection, I called the hospital they put cause I have not been there, they said they have nothing on me, try to contact the collection agencies, I tried I even put up buying a house for my kids to get this taking care of but no action is taking place on this company part to remove this.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

Chase Bank has had my refinance mortgage application for 10 months, process that is supposed to last no more than 90 days. 

On XX/XX/2020 ( 10 month ago ) I submitted a loan application to refinance my home 's mortgage with Chase Bank. The designated officer at that time to manage the application was XXXX XXXX. Then, two months ( XXXX ) later the officer XXXX XXXX ( XXXX ) was added to the team at chase to be handling the process, and she started asking for documents right away. In XXXX another XXXX was added to the team, XXXX XXXX ( XXXX ), she has been the one talking to me to me so far. After sent a complaint by email on XX/XX/2020 requesting for a faster handling of the application, XXXX XXXX ( XXXX ) has been evolved in the process. 

The delay brings two big problems for me ; 1st, I can not do any mayor transitions because it could affect the process. And 2nd, in case of been denied the application, the delay takes away the possibility of being able to apply in another bank to take advantage of the low loan rates.
Consumer complaint received 2023-02-19
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)

Last month XX/XX/2023, I sent you another dispute letter containing the list of accounts and items that don't belong to me but I still haven't gotten any update about the status as yet. Its been over 30 days. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if do not I receive the correct response.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My wife and I started a Debt management plan with XXXX XXXX over a year ago. Bank of America continues to report on my credit report that the payments are late ( 15 late payments ) which has inevitably reduced my credit score to the Poor category. They receive the agreed upon payment every month and we do not have any control over when the funds are dispersed to our creditors. This is the only creditor that is negatively affecting our credit.
Consumer complaint received 2021-03-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery ( https : //www.portfoliorecovery.com ) purchased a debt of mine from XXXX. The debt dates to 2011 and was already removed from my credit report because it expired. 

Portfolio recovery put the zombie debt back onto my credit reports. Both XXXX XXXX and XXXX have refused to respond to my disputes and remove the expired debt from my credit report.
Consumer complaint received 2021-03-17
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. (AK)

First, the account is paid in full. It belong to another company, XXXX. See the attached documents showing it is paid in full. 

Second, even if a student loan WERE open, Student loans CAN NOT be collected on, reported on even if they are defaulted, under COVID rules as of XX/XX/XXXX and that has been extended to XXXX of XXXX. Nothing had to be done to have that, it was automatic.
Consumer complaint received 2021-03-16
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. (OR)

Experian only allows XXXX dispute on an item and then it blocks you from ever trying to dispute the item again on there website. It keeps consumers from disputing items that are listed incorrectly on there credit reports. This should be a violation to FCRA and some kind of equal access to our credit disputing process.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (IA)

On  XXXX / XXXX /   2017 I  called and spoke to  XXXX   XXXX  in regards to this inquiry being on my account. When I spoke to him he informed me that I did authorize the information because whoever tried to get an application in my name had all my information. I asked if I could get an application with my signature on it and he advised that they will try to send the application with my signature. I never authorized this company to run any kind of inquiry. He said that it was done on-line which give me more reason to have this removed off my credit. This inquiry is making it hard for me to get approved for any kind of loans to get a house.
Consumer complaint received 2023-03-09
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. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.