davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX TRIDENT ASSET MANAGEME XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRIDENT ASSET MANAGEME XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HELLO MY NAME IS XXXX XXXX XXXX XXXX I HAVE INCORRECT INFORMATION IN MY CREDIT INFORMATION AND I HAVE BEEN A VICTIM OF IDENTITY THEFT, PLEASE DELETE THIS COLLECTION THAT IS FRAUDULENTLY MADE FROM MY CREDIT REPORT, HERE I SEND YOU THE IDENTITY THEFT, PLEASE DO NOT PLACE A FRAUD ALERT, AND IF THERE IS A FRAUD ALERT PLEASE RENEW IT THANK YOU
Consumer complaint received 2022-08-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (LA)

We refinanced a home on XX/XX/XXXX. At the time of refinance XXXX was taken as lender reserve for the first 3 months of payments. Our loan was transferred to Specialized Loan Servicing LLC. We sold this property on XX/XX/XXXX ( prior to the first payment being due ). The XXXX was not credited back to us on the payoff statement. When I called Specialized Loan Servicing I was told this would delay if a new payoff request was performed and that the money would be mailed to me. I never received the check. When I call back 10 days after close I was told the check was in the mail. Then I received a check for XXXX. When I called back the third time I was told that the company never received the XXXX. After continuing to press the company that this was inaccurate I was told that I was charged for those three future payments ( meaning I was charged for future interest and my principle amount wasn't reduced ). I can provide all closing, loan documentation. Each call to this company takes over an hour with multiple people unfamiliar transferring calls to new people.
Consumer complaint received 2022-08-15
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. (FL)

XXXX has violated my rights to privacy. They have also furnished my credit report and personal information with out my consent. Most of this information is false that has been provided to outside sources.
Consumer complaint received 2022-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I received a letter stating they didnt have my flood insurance. I sent it in. They said it was never received. I resent it. I then received a letter from Truist stating they received it and updated my account and my coverage was fine. I now received a letter stating they are going to force place insurance on my account. This is unacceptable.
Consumer complaint received 2021-09-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below Items Highy Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX  per VIOLATIN YOU ARE COMMITING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action.
Consumer complaint received 2019-07-21
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. (GA)

I was advised to reach out to you guys regarding two accounts on my credit that are not mine XXXX XXXX   XXXX XXXX  and XXXX XXXX. I have tried all I know to get this taken off and the attorney guy thats on the billboard in my building said he can help if need be after reaching out to you. There is also an inquiry XXXX XXXX XXXX on my credit and I dont know anything about that. I own my home so why would I need to rent anything thats the purpose of buying a house.
Consumer complaint received 2021-09-27
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. (MD)

I, XXXX XXXX, was not rendered the proper response for a previous dispute. Pursuant to 15 usc 1681i ( 7 ), failure to provide a description of reinvestigation results is a violation of my consumer rights.
Consumer complaint received 2021-09-27
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: Early Warning Services, LLC (GA)

Back in XX/XX/2020, I deposited a check into my XXXX XXXX account, then it comes back counterfeit. I check what's up with the company that wrote me the check and they said it cleared, so I deposit it at XXXX XXXX and it comes back counterfeit once again. XXXX XXXX says they won't report anything in my Early Warning services that would prevent my from opening an account with XXXX. So I try to open a checking account at XXXX, and they deny me because of " prior unacceptable experience with a financial institution ''. So I look at my EWS report and see XXXX XXXX reported that my accounts were " closed for cause ''. I deposited this same check at XXXX XXXX and it cleared. I have the paperwork from the XXXX XXXX saying it cleared their account THREE TIMES. The email address linked to my XXXX XXXX account is XXXX XXXX
Consumer complaint received 2019-11-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I called and asked why they keep calling me. I make my payments on time. They saidmy number was connected to another acct. the lady said she would fix it my acct was fine. 1 hour later I get another call. I try to call them back to question them and now my calls dont go through
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Bankruptcy XXXX, XXXX  XXXX Bankruptcy XXXX, ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX  closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (GA)

I went to a bar called XXXX XXXX XXXX in XXXX GA on XX/XX/23. My XXXX was swapped with another XXXX without me knowing. The person that swapped my phone was able to get into my phone. I am unsure if they saw me type in my password at some point during the night or if they scanned my face without me knowing regardless they were able to get into it. Once in my phone, the thief was able to use the Discover card I had on file with XXXX XXXX to purchase {$800.00} worth of stuff at a XXXX located at XXXX XXXX  XXXX XXXX, XXXX, GA XXXX. That morning, when I noticed this, I called Discover to deactivate that card and file a fraud dispute with them. Since then I sent them a police report I filed, an identity theft report I filed, a receipt showing that I purchased a phone the very next day, and articles showing that this a problem XXXX has been dealing with. Discover continues to deny my claim stating that there is no way someone could get into my phone and use my XXXX XXXX because I had face id on the phone. Below I have attached everything I sent into Discover.
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Ok I made some purchases on XXXX and PayPal took money from my bank account and credit card accounts gave me a negative PayPal balance even though I paid for the transactions. Then took money from me again when I attempted to load my PayPal account through my bank account and said it was to cover a negative balance. I opened disputes and sent in hard copies of evidence stating where the payments were taken from PayPal and PayPal would credit my account then take the money back and throw my balance into negative again saying I owe PayPal. This is theft. I paid for my purchases. PayPal owes me a lot of money. I want my money back ASAP.
Consumer complaint received 2021-09-27
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. (CA)

There are a number of fraudulent accounts that appear on my credit report with Equifax, XXXX, and XXXX. I have filed an FTC complaint detailing all of the fraud that took place on my report. I just want this corrected. This is keeping me from getting a house and getting a car. This is not right and needs to be corrected.
Consumer complaint received 2022-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

There is a charge for {$140.00} to XXXX XXXX XXXX that was charged of and is still reporting a balance, also capitol one report a debts of {$700.00} but the charge shows as charged off as in they received payment from IRS in 1099
Consumer complaint received 2023-07-22
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. (PA)

Please remove this account because this is not mine and i'm so disappointed with these happening on my credit report. I want the company to remove this as I start a new chapter of my life but because of this unknown account in my credit report i'm not able to do so.
Consumer complaint received 2021-09-27
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. (CA)

There are a number of fraudulent accounts that appear on my credit report with XXXX, TransUnion, and XXXX. I have filed an FTC complaint detailing all of the fraud that took place on my report. I just want this corrected. This is keeping me from getting a house and getting a car. This is not right and needs to be corrected.
Consumer complaint received 2022-10-09
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. (FL)

As of XX/XX/2022 XXXX XXXX closed an account on my credit with the balance of {$9300.00}. They received a 1099 C from the IRS which means they got a tax credit for the remaining balance. They are trying to collect from me and the IRS. They need to update the balance to {$0.00}. I have reached out to XXXX which is one of the representatives in the Executive Customer Relations department file number XXXX  but she has yet to respond to me.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cornerstone Holdings, Inc. (DE)

For the entire year of the dates of service from XXXX XXXX XXXX XXXX, I was receiving daycare vouchers from the state of Alaska. Those vouchers were sent directly to them, from my caseworker at the time. Her name was XXXX XXXX. 

When approached to pay the amount by XXXX XXXX XXXXXXXX XXXX, they informed me they hadn't received my payment. I told them that the payment had been arranged through my case worker, prior to the kids coming. They said they would contact office. The next time they asked, they asked me to pay it and then if payment came from state they would reimburse me. By this time, it was 2 months worth so I informed them I could not pay, but I could pay in installments, if it would keep the kids in daycare while they sorted out the vouchers. 

They declined my payment attempts, and said the kids could no longer attend until balance paid. 

I contacted my caseworker again, who stated she had already submitted payment to XXXX XXXX XXXX XXXX for the amounts owed. 

I've asked to have an invoice or listing of months that were submitted for payment from XXXX XXXX XXXX XXXX to my case worker. ( Which months did you send the bill to the state for? ) Or did they never submit for payment? 

In order to know which charges are due, I need to know which months were paid from vouchers from the state. 

Please advise a break down of accounts, and payments that were paid by both myself and through the daycare assistance voucher through the state.
Consumer complaint received 2022-04-16
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. (PA)

After several dispute requests, XXXX did not update, correct or delete the XXXX XXXX account # XXXX. 

There is still an incomplete payment history which shows huge gaps of no payments reporting at all, even though XXXX says it was updated. The last status update was XX/XX/2020.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/2024 i deposited a third part check into my chase checking account for a friend of mine in XXXX They were her payroll checks that i had to go to the XXXX  and have her sign to be deposited. Chase accepted the checks then minutes later i recieved a notification to call the bank. When i called they told me that the checks were fraudulent checks and that they were closing all XXXX  of my accounts due to these checks being fraud. Which i knew they were not fraudulent checks. I was told that they restricted my account until the checks could be verified as authentic.. on XX/XX/XXXX the checks cleared and money was in my account but chase locked my account so i couldnt get the money or use my account. When i called the woman told me that i should t have deposited the checks and that the only way i can keep my account is to contact the check issuer and ask them to place a stop payment on the checks. This way the funds can be returned and ill ve avle to keep my account. This is absolutely ridiculous. I have waited almost two weeks and they closed my other XXXX accounts and leaving this one opened. Then they tell me to have stop payment on check which really makes it look like fraud. The representatives have all told me different things that make no sense. The last one i spoke to from chase was so rude and condescending i just gave up. So my account has XXXX balance and they refuse to turn my card or account back on from being restricted. How can a bank hold money hostage in my account. If there was a problem with the checks why did they process them. They restricted my account XXXX XXXX after deposit was accepted therefore they knew they had a problem but still deposited them or submitted them for payment and put money in account but restricted my access to bank. I have never experienced such banking practices in my life. The checks were not fraud the bank told me they were not fraud and in the mean time this money is in my account since XX/XX/XXXX and the bank ensured i have no access to it. So why did they cash it? If the check was flagged as fraud why did the bank submit for payment let alone accept the deposit. Now there is basically nothing i can do and the bank is strong arming me vlosing my accounts and not giving me money.