davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-15
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. (IL)

I disputed an inaccurate, unverified, erroneous, & fraudulent account that i found on my credit report. Accounts were updated as opposed to being deleted. I believe this inaccurate information is a defamation of my character and has hindered me from obtaining credit and or has caused me to pay high interest rates. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX ACCOUNT : XXXX XXXX XXXX   ACCOUNT : XXXX XXXX XXXX
Consumer complaint received 2020-08-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I closed on a mortgage refinance from Bank of America ( Original Bank ) to XXXX XXXX XXXX XXXX ( New Loan servicer ) on XX/XX/2020 with cash out. The principal amount at BOA was {$450000.00} and the new loan amount is {$490000.00} with XXXX. The problem arises after closing and with BOA not closing out my loan and having it still active in their system and still trying to auto withdraw from a recently closed checking account. BOA incurred a bounce fee and I am also getting letters of late payment. I attempted to reach out to the mortgage department multiple times, however, their automated system tells me they are closed while their reported hours state they should be open. I have tried to have their customer service reach out to that department as well with no avail and no follow-through from BOA. I emailed the lawyers from XXXX end and they have been trying to get to the bottom of this with the lawyers from the BOA end that were handling the closing, the emails state that BOA is having system updates. My main concern is that BOA 's multiple technical issues will cause me to incur unnecessary fees and negatively impact my credit. I don't have the proper familiarity to double-check each party had taken care of what they need to but to me, this looks like BOA is failing to do their part.
Consumer complaint received 2020-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

This was put on my credit report without any proof that it's mine. Company sent no information to me they just put it on my report and I don't know what it is. I sent a certified letter on XX/XX/2020 and XX/XX/2020 and many more before that and I have gotten no response. I called the number I found online and was hung up on on. It's been close to a year of more since I have been disputing this debt with no response. I think they are also leaving me threatening messages from unknown numbers about taking me to jail.
Consumer complaint received 2020-08-15
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. (IL)

I disputed an inaccurate, unverified, erroneous, & fraudulent account that i found on my credit report. Accounts were updated as opposed to being deleted. I believe this inaccurate information is a defamation of my character and has hindered me from obtaining credit and or has caused me to pay high interest rates. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX ACCOUNT : XXXX XXXX XXXX   ACCOUNT : XXXX XXXX XXXX
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (AZ)

XX/XX/2020 I made a XXXX payment. Either target or I selected and inactive bank account. It was returned. Target froze the account and removed automatic payments without my knowledge. This resulted in a missed payment in XXXX which I only found out when I ran my credit report. I called and and asked what happened.They said that their system did not present the wrong account and that they mailed a notice. The problem is that mail was not being delivered due to Covid. I have been their customer for many years and have never missed a payment. I have since payed the entire account. This seems wrong to me.
Consumer complaint received 2020-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (MI)

XX/XX/2020 I sent Choice Recovery a letter by certified mail in regards to a debt appearing on my credit report sum of {$170.00}. The letter outlined a resolution to supposed debt and a requirement of validation. Attached is the letter and also the signature with the date received by Choice recovery of XXXX. Choice Recovery has not responded. The continue to update this supposed debt on my credit report without providing validation or solution. Shady group. Consumer advocate needed for people dealing with this bogus and shady debt collector.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

This is my second attempt with capital one. I opened two savings went through a very discriminating process to which every other day my card would get shut down for fraud. I verified per their request and have made over the amount of payments, required for an increase over six months. As soon as Covid hit, and the bank returned not one but two for their own reasons, I quickly tried explaining but received a letter stating fraud again. I have a fraud alert on my reports because of someone Using social for a job, since having them again, it was a nightmare, stressful and makes me overwhelmed as if this was an intentional issue. This was not my fault, they didnt even call to question or ask what happened. I closed all banking, and feel very discriminated on, or put into a box of candidates to which they treat some kinda of way. I just received a notice offering auto financing?!!!! I pray the next person is advised appropriately or considers another institution. Thank you.
Consumer complaint received 2020-08-15
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: V and H Portfolio (TN)

This company XXXX XXXX reported this account on my XXXX   credit report originally with XXXX XXXX XXXX back on XX/XX/XXXX. This account was disputed and removed from my credit report sometime between the original date reported and XXXX. On XX/XX/XXXX, this same account was added back to my credit report under Vance and Huffman LLC. Based on FCRA, its unlawful for reinsertion of a previously deleted account unless i'm notified within the 5 business days which i was not. Also the original amount listed was {$1200.00} and the new account show {$1200.00} on my credit report. I've disputed this account several times asking for validation and they've failed to provide a contract with my signature that allows Vance and Huffman them to place this information on my credit report. I've attached the response they sent me with paperwork that they've printed my name on but again no signature acknowledging i'm responsible for this account.
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (GA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-08-15
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. (MI)

XXXX XXXX : my Amazon Chase cc # was stolen while I was visiting my daughter in XXXX. Over the next year, I failed to closely scrutinize the Chase statement. Meanwhile, someone was making small purchases through Amazon. Not once, during the entire year, was I contacted by Chase about suspicious charges. 
XXXX XXXX : Again in XXXX, my wallet was stolen. When I opened the Chase account to shut down the card, I noticed the balance was about {$9000.00} more than it should have been. 
XXXX XXXX : I notified Chase of the fraud, and they returned all the fraudulent Amazon XXXX charges. Later that month, they changed their minds, stating that as my daughter had used my card, with my permission, in XXXX, where she lives and works, to make purchases, all the charges were therefore " valid. '' At that point, both my daughter and I submitted screen grabs of all purchases made at Amazon in XXXX. Not one of those contested Amazon XXXX charges appeared on either of our accounts. I also contacted Amazon to see what they could do, but as the fraudulent charges were not made through my account, or my daughter 's, they couldn't track the purchases and referred my back to Chase. 
XXXX XXXX : I took out a XXXX loan and transferred the fraudulent Chase charges to XXXX at half the interest rate. 
May 2020 : a retired police officer I know suggested I report identity theft with local law enforcement. That seemed like a waste of time in the time of Covid, plus I was 2000 miles away from XXXX, where the theft occurred. 
XX/XX/XXXX : XXXX sent information about what to do if one experienced identity theft. I followed those instructions and sent a letter to Chase via XXXX and the Federal Trade Commission. 
A few weeks later, Chase contacted me and asked that I resubmit my XXXX Amazon account screen grabs as a PDF, plus a letter from Amazon stating that they could not track the charges through my account. They also wanted a letter from Amazon stating that I'd changed my Amazon password in XXXX XXXX. I submitted those documents the same day. 
XX/XX/XXXX : Chase sent a letter through my account saying that the charges were still determined valid, and not to contact them again unless I had new information. HOWEVER, they also returned about {$5000.00} worth of the fraudulent charges from XXXX, leaving out those from the end of XXXX and all of XXXX -- when all of the lager fraudulent purchases occurred. I guess this is better than nothing, so I accepted the offer. 
My advice to travelers in XXXX is to use ATM machines -- NEVER use your card in any business establishment. I also advise that you leave your Chase card at home when you travel abroad as they are not interested in tracking suspicious charges and will not send fraud notices via text. They used to, but not anymore. I feel like, in the end, I got lucky -- but I'm still out about {$4000.00}. Even more painful in these Covid times.
Consumer complaint received 2020-08-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (AZ)

I have a loan with NAVY FEDERAL CR UNION. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, NAVY FEDERAL CR UNION with no successful resolution. XXXX, XXXX, XXXX  reporting me late. There was definitely an error on their part
Consumer complaint received 2020-08-15
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: Prosper Marketplace, Inc. (AZ)

I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), PROSPER, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), PROSPER, and XXXX/XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd ()

Complaint about Wise Money Transfer online The first time they froze {XXXX and closed my account. After several attempts to contact them, they told me that my account had no money when they closed it. 
And the second time they XXXX XXXX XXXX, and when I told them about this, they closed the account and did not respond to me again.
Consumer complaint received 2020-08-15
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)

I moved away from my old address inXX/XX/XXXX and never cared to do a address change. 
On XXXX I wrote out a check to a friend and watched him deposited the check. Somehow the check landed in my account but also bounced from insufficient funds but was also told that the check cleared. Then when I address the banker that helped me out most the time he altered the transactions not knowing that I already have statements of it printed out and made slot of copies. This caused me to did into other activities and transactions which now I discovered involved all of my banks and accounts. 
No matter what I do ( change email, phone, phone number ) it doesnt matter. It will be compromised at will and if the bank can alter the transaction to a transaction I made a week ago that just got posted. How can I not recognize it to dispute it. 
Im limited with sources to help and no attorney is willing to take my case. Im asked to go into mediation but this involves more then just the bank that request me to mediation. It involves everything account associated with my social security number.
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-15
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: Alliance One, Inc. (AZ)

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and ALLIANCEONE ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and ALLIANCEONE ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-15
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: California Accounts Service (AZ)

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), CA ACCTS SVC ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), CA ACCTS SVC ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-15
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: Resurgent Capital Services L.P. (AZ)

I have a loan with CACH LLC ( Original Creditor : 12 XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CACH LLC ( Original Creditor : 12 XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (LA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-15
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: TSC Accounts Receivable Solutions (AZ)

I have a loan with TSC ACTS REC ( Original Creditor : XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, TSC ACTS REC ( Original Creditor : XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-15
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: PlusFour, Inc (AZ)

I have a loan with XXXX XXXX ( Original Creditor : 12 XXXX ), PLUSFOUR INC ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : 12 XXXX ), PLUSFOUR INC ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-15
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. (TX)

XXXX has not removed 30 day late due to national disaster XXXX XXXX XXXX has stated on credit report due to national disaster XXXX Equifax XXXX  XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Consumer complaint received 2020-08-15
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)

XXXX has not removed 30 day late due to national disaster XXXX XXXX XXXX has stated on credit report due to national disaster XXXX XXXX Transunion XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Consumer complaint received 2020-08-15
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)

XXXX has not removed 30 day late due to national disaster XXXX XXXX XXXX has stated on credit report due to national disaster XXXX XXXX  Transunion XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Consumer complaint received 2020-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.