davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Based on, 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 4 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 as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) 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 IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Account Name : XXXX XXXXDate Opened : XXXX, XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XXXX XXXX, XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, 2022Balance : Reason : Identity theft Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX XXXX, XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, 2022Balance : Reason : Identity theft Account Name : XXXX XXXXDate Opened : XX/XX/2019 Balance : Reason : Identity theft Account Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XXXXBalance : Reason : Identity theft Account Name : XXXX / XXXX XXXX Opened XXXX XX/XX/XXXX, 2021Balance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, 2021Balance : Reason : Identity theft
Consumer complaint received 2020-09-25
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$330.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, 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.

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, Section 616, and pursue legal action. 

-- XXXX ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$330.00} -This is not my account.
Consumer complaint received 2019-06-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ZWICKER & ASSOCIATES (TX)

Zwicker and associates is trying to collect a debt I have with XXXX XXXX. They claimed to have sent several letters. I received one. I attempt settlement. They asked for a large lump sum when I said I couldnt they offered a large monthly payment. They said they would sue me, take my home, garnish my wages, call my employer and seize my accounts. They told me to sell my things and clear my bank to pay them. I was told they would ruin my credit if o didnt come up with the funds. 
I have been working with a settlement company who told me they would help. Zwicker will not speak or deal with them. I have had horrible stress and illness due to their tactics. 
I was served papers on XXXX XXXX. I responded XX/XX/XXXX. 
XX/XX/XXXX notice of submission was sent. 
I have a court date on or after XX/XX/XXXX. I have yet to receive anything for my review as I can not access my accounts.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (SC)

I rent rooms through a XXXX housing service to nurse that needed places to stay during COVID when most places did not want to rent to them. In XXXX, I accepted a nurse to stay at my home in XXXX XXXX. The nurse paid me {$5200.00} upfront for a month of rent, a deposit, and for her travel arrangements. 

She sent me a check, which cleared at my bank on XXXX  XX/XX/XXXX -- meaning the money was in my account at XXXX XXXX XXXX. On Wednesday the nurse at first informed me that her contract was cut short and that she needed that part refunded. Then she said she had COVID and her contract was canceled at that I could keep the deposit, but she needed the money back. 

None of this was out of the ordinary. And with consideration to the hard times health workers have been facing, I did not want to add to her complications. She requested I send money through XXXX. I did not have this set up with XXXX XXXX, so I used my citibank account to make the transfers. 

Then on XXXX  XX/XX/XXXX, the money was pulled from my XXXX XXXX Account and they reported it as a fraudulent check. I then went through the process at Citibank of recovering my funds. Over the course of 3 months, I was promised various things from Citibank, most of all that my claim would be treated fairly. I was the victim of a crime and the XXXX XXXX Police department said that Citibank had an obligation to refund my money as they would be acting as a party to this crime. 

I tried everything, even corresponding with XXXX XXXX, the President of retail for citibank. At the end of it - they claimed they would not refund the money because of a fairness concern. The acknowledged that I had been scammed, but because they did not want to recover funds for others who had been scammed, they did not want to do it in my case. It was essentially my fault for using their service, which states there is some recourse for recovering fraudulent funds. 

This is completely unacceptable. They are a too big to fail bank that should certainly refund ALL MONEY that has been scammed by their customers. I would like your help in making sure they do not continue to aid scammers who are taking prey on people who are trying to help our vulnerable communities during Covid. 

I am owed {$1500.00} from Citibank - and I'm happy to provide further documentation. I have attached the XXXX Report. 

Best, XXXX
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion and XXXX did not help me remove these unauthorized inquires 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
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Robinson, Reagan and Young PLLC (TN)

I paid this collection immediately when I realized that I owed it. I was told at the time that it would be DELETED from my credit reports if I paid in full, which I did. 
This was in 2013. 
I have recently found out that it was still being reported to my credit reports that I have a paid charged off collection. 
I disputed this with the credit bureaus. XXXX and XXXX have since deleted the account, but it remains on my XXXX account, and they are refusing to allow XXXX to remove it. 
I did not know that I needed to keep my letter from Robinson Regean and Young bc I thought it had been deleted years ago. 
I have call Robinson Regean and Young also and they have basically told me thats to bad we dont have to delete it now years later. 

I want them to take this off my XXXX Credit Report bc thats what they told me they would do, in writing and over the phone.
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (LA)

These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 35 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been over 35 days, so they should be erased immediately.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

JPMCB CARD SERVICES XXXX - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove. 

JPMCB CARD SERVICES XXXX - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
Consumer complaint received 2019-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My debit card ending in XXXX was fraudulently used on XX/XX/2018 for the amounts of XXXX, XXXX, XXXX, and XXXX for a total of {$1000.00}. After opening a claim with bank of america on this unauthorized transaction and numerous phone calls i have been told that the claim is still under research. The bank would give me a resolution deadline and fail to meet this deadline several times. The money was put back into my account and taken out two different times by bank of america. 

claim # XXXX
Consumer complaint received 2021-06-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (FL)

In early XX/XX/2021, l told my mortgage company that l wanted to come off the covid19 forbearance. They advised me that because l had an escrow shortage of XXXX}, if l did not pay it in full, my payments would jump to {XXXX} from the {XXXX. So on XX/XX/2021, l paid them XXXX} to be applied to the shortage. Unbeknownst to me, they never applied it to the escrow shortage. They then told me that my next payment was due on XX/XX/2021. They then sent me an agreement, whereby some XXXX} that had accrued during the Covid19 forbearance would be added to the back end of the loan balance. 

On XX/XX/2021, l sent a payment of XXXX for that month 's payment. They then advised me that my first mortgage payment post forbearance was due on XX/XX/2021. I asked them to apply the XXXX they received on XX/XX/XXXX to my XXXX payment. 

On XX/XX/2021, l sent a payment of XXXX for that month '' s payment. Then l get a letter on XX/XX/2021, advising me that l owed XXXX and XXXX 's payments. I then called and spent almost 2 hours on the phone with them seeking clarification. They then advised that l only owed XXXX 's payment, because the XX/XX/XXXX payment could not apply to XXXX because it was made before the finalization of the forbearance settlement. 

Then they referred me back to the Escrow department. After much wrangling with them, a gentleman finally agreed to ask that the XXXX} apply to the escrow shortage, thus reversing my monthly payments to {XXXX}. That was after some 8 calls to them and more than 10 hours on the phone. When l asked him about the {XXXX} total payments they were holding, he told me he could only talk about escrow and referred me back to the previous department. 

There, after another marathon conversation, the gentleman told me that if l did not make a payment for XX/XX/2021, l would be reported to the credit bureaus. Mind you, they still haven't accounted for the XXXX} l paid in XXXX. When you factor the XXXX} l paid in early XXXX, l would need to make a second {XXXX} payment in XXXX to preserve my credit score. This is highway robbery. I want them to apply the XXXX} payment l gave them in XXXX to the XXXX payment and apply the payment l made in XXXX, to the XXXX payment
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, 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. 
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, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been having issues with bank of America constantly suspending my edd card. I would have to call them numerous times to have them unsuspend it and it was always a hassle. Well, then one day try to use my card and couldn't so I called them and they said my account was frozen. They requested me to go into a bank with two forms of ID and then they would unfreeze my account. Well I can't find my wallet with my ID since I moved recently and now I can't get into my account to get the money to get a new one. I made a complaint because bank of America would not even give me a reason why they froze it in the first place. I think it is a violation of the court order placed against them for using their flawed fraud filter. In any event XXXX XXXX  contacted me by email and gave a number to call them and I got hung up on twice and still no resolve. It's been XXXX XXXX. What do I do?
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (AR)

In XXXX of 2018, after checking a copy my credit report I realized after several accounts were listed on my report that was established without my knowledge or consent it was apparent I had become a victim of identity theft. I then immediately contacted my local law enforcement to file a police report as well as three major consumer reporting agencies. One of the  accounts in question was XXXX XXXX which since has been blocked and deleted from my credit file. I recently have received two letters from a company named Vance & Huffman XXXX XXXX XXXX whom I have already informed that this account was the result of identity theft. Vance & Huffman continues to send me letters demanding payment for an account that was established without my consent or knowledge. In addition, Vance & Huffman is in violation of the Fair Debt Collection Practice Act by continuing to collect on an account that never belonged to me.
Consumer complaint received 2021-02-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2019-10-09
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: WELLS FARGO & COMPANY (OR)

XX/XX/XXXX ( 1 Day ) car rental from XXXX for {$110.00} but I was billed for a week @ {$1300.00}. I put the keys to the vehicle in the after hours drop box, documented on my business card the stall/car location, mileage, gas tank full, and time on the card for myself and attached one to the keys. 

I filed a complaint with XXXX the week after on XX/XX/2019 when I received the bill, called XXXX to inform them of the fraudulent and false billing practices but they would not resolve. I provided them a witness statement of the person traveling in the car with me, receipts for fuel at airport, and my parking receipt when I left with my personal car after returning their rental car. 

Information sent to XXXX : The flight was canceled hence renting the car from XXXX to XXXX airport @ XXXX, I have attached a PDF showing what flight I should have been on for reference and XXXX can confirm the cancellation with XXXX XXXX . Please inform XXXX that your system has no return slips if the keys are placed in the drop box after hours ; As previously stated to your colleague and provided I wrote down the return stall location, noted mileage, and full tank of gas information on the XXXX airport business card and made two copies, one for XXXX and one for myself and attached it and my business card to the keys and placed them in the drop box. I informed that last XXXX representative that there was no one around @ XXXX other than the airport janitor, I also had two people traveling with me that were on the canceled flight in the car. I have attached additional documentation of my fuel receipt filling up the car with gas at XXXX in XXXX at the XXXX XXXX next to the airport and my parking receipt when I left the airport @ XXXX. 

I have alerted my credit card company of XXXX 's poor processing practices and false billing. 

I filed a case with my credit card Wells Fargo Visa but they have done nothing other than request invoice from XXXX. The are stating now after months I am responsible for a fraudulent charge that I did not approve or agree to. Wells fargo keeps passing me onto other people and I can not get anywhere with them as their tactic is to keep delaying and moving me to other individuals. I have emailed and called about every week and they will NOT return my calls or do anything to resolve the correct way.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX was removed from XXXX credit report XXXX  for not sending credit card and unprofessional installation ( destroying homeowner 's walls ) XXXX retail now XX/XX/ has resurfaced back on XXXX credit reporting agency stating I owe now {$26.00} XX/XX/2024 lowering my credit score!!! 
When I notified consumer federal protection services, I don't want their services, cancel and come get their products!!!! 
XXXX retail is threatening me and playing a game with me!!! 
I want to SUE XXXX for damages to my house!!!
Consumer complaint received 2019-06-20
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. (GA)

XXXX and Transunion are reporting a duplicate trade line for the balance of {$780.00} on the XXXX partial account number XXXXXXXX-XXXX. ( Please see pages 11 and 12 of the attached credit report. ) This duplicate entry is harming my credit score and is a violation of the Fair Credit Report Act. Please delete this trade line item from my credit report.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (PA)

As of today the collection is still showing on my XXXX report as open and active. I contacted XXXX and they said they have not received anything from the collection agency that the debt was reported to them on XX/XX/XXXX as open. I have attached the proof of documents.
Consumer complaint received 2021-10-15
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. (CT)

I have disputed for 4 months with no results XXXX rights being violated as a consumer. I found multiple inaccuracies and FCRA violations which i brought to each bureau 's ( Transunion, XXXX and XXXX ) attention and Not only did they not delete these accounts but they never sent me a response at all within 30 days after receiving my disputes. 

I have attached the accounts with all the violations listed with pictures of these as well. 
According to THE FCRA these accounts must be deleted but for some reason these companies think that they're above the law and dont do what is required of them. 
These accounts are creating damages in my personal and financial life due to their false reporting and I need it fixed immediately please.