davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-08
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$9300.00}, {$4700.00}, {$10000.00}, {$6500.00}, {$7000.00}, {$1900.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$6500.00} -This is not my account. 


-- AUTO ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (WA)

XXXX XXXX XXXX XXXX # XXXX has violated my rights.

1 5 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 a 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 Any 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 knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-06-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (ME)

I have been having health issues which included a 6 hour XXXX. I have also received a reduction of my social security benefits. I have explained to this company on several occasions I am in the hospital and they stated to me that the calls will continue, although I requested to not be bothered right now, as XXXX is the last thing I need.
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (MI)

I asked the credit bureau to do A verification of everything on your credit report and they did they stated that everything was accurate and I did a thorough research myself and found improper inaccuracies use on the credit report. Even after they did the research. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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 # XXXXXXXX XXXX XXXX XXXX # 151G accordance to the fair credit reporting act conversion account is violating my rights. They are 15 U.S.C 1681 section 6028 states that 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 constructions.
Consumer complaint received 2023-03-22
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. (IL)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I really appreciate it if you could correct or delete the following items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

I received a gift card for XXXX from my mother loaded with {$100.00} from Kroger XXXX XXXX XXXX I flew back home after the holidays and tried to use it and could neither log into my account on the website on the back nor make any transactions with it. After calling them, they demanded that I upload front and back pictures of my license, along with a picture of my leasing agreement or my social security card. I do not think the company is reputable or professional and I have no interest in giving them this kind of sensitive information.
Consumer complaint received 2023-04-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is choosing to update my credit balance with XXXXXXXX XXXX to reflect the {$0.00} dollar balance and then changing it back to the old balance. They corrected the balance last week. They also changed the balance to {$4100.00} which is not accurate. I reached out to XXXX XXXX  and they provided me with a {$0.00} balance letter to give to the credit reporting agencies. 

Transunion is also reporting the wrong information for XXXX XXXX. My balance with XXXX XXXX  is {$3700.00} and my credit limit is {$8000.00}. Transunion is reporting that my credit limit is {$5000.00} when it is {$8000.00}. 

So, XXXXXXXX XXXX  nor XXXX XXXX is not the problem. I have never had a problem with them. It is the tactics of Transunion switching the balance every other day which is the problem.
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Niagara Credit Solutions, Inc (MA)

A collection agency called Niagara XXXX XXXX phone XXXX, Keeps calling me on my cell phone, called my employer and relatives claiming to recovery a debt occurred through XXXX Bank in 2005. They called threatened to send a sherrif from our local courthouse to my job/place of residence within the hour if I do n't call back. Called both the original creditor as well as the IRS to see if this was legitimate, and as far as we can tell it is not. Also no paperwork has come in the past 10 years in regards to this supposed debt? They continue to harass me and family and job. I want to report this as a scam or a fraud or at the very least, violators of the consumer laws
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (GA)

I had been using my account with no issue for quite some time, maybe about two years or so. One day it randomly got banned. I called my bank to find out why, and I was told that I need to contact Zelle. Once I called Zelle, I was told by support that I need to contact my bank ( which I had done in the first place ). I have been dealing with this issue for about two years now and I have not even been told why my account has not been reinstated. I am a student and a lot of my family only uses Zelle so it has hindered me greatly. It also seems that the Zelle and my Bank support team have no idea what to do either. It has become extremely frustrating. I only use Zelle to send and receive money with friends and family, so I am unsure of how an issue may arise. I was informed that there is a possibility that the automated system MAY have made a mistake, but I have not gotten a straightfoward answer or solution.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (PA)

On XX/XX/XXXX I received letter from Discover dated XX/XX/XXXX stating they can not open an account because of a security freeze I have in place due to my identity being stolen. I immediately called Discover to let them know I did not submit any application and it is fraudulent. I asked for a copy of the fraudulent application containing my identity information and they refused. The person I spoke with was XXXX. I explained to him that as a victim of identity theft, I have the right to ask for a copy of the fraudulent application and he agreed that I have that right but still refused to send me a copy of the application
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CO)

I placed a request for a transfer on funds to XXXX XXXX XXXX XXXX on XX/XX/2023. I put a reminder on my " todo '' list to remind me to watch for the transfer. Late that night, approximately XXXX I received a call from Chase Bank ?. They did not identify themselves, but said they had some questions regarding my transfer request. If you read my complaint from XX/XX/2023, there was some suspicious activity regarding a call from Chase Fraud and I did not want a repeat of that conversation which included providing ways to identify myself in three different ways to three different people and ended with me being told I am uncooperative and I would have to go to my local branch with two forms of identification ; in which I did. This time I refused to answer their numerous questions and hung up. I do not know if it was Chase Bank, but I suspect it was. On XX/XX/XXXX, I verified my account online with Chase Bank. They put two deposits into the receiving account and then take that amount back. I then sign on to my Chase Bank account and put in the two amounts that were deposited into XXXX. On XX/XX/2023 I checked my account and it said it was under " review ''. Today, XX/XX/2023 it changed the date requested to XX/XX/2023 and now states " we rejected this transfer ''. This is the 2nd time there have been suspicious changes to data in my account. The other was a charge through XXXX XXXX in XX/XX/2023, and the responses from Chase have barely been adequate.
Consumer complaint received 2022-04-03
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. (TX)

In accordance with the Fair Credit Reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S. Code 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681 section 604 A section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (FL)

My mortgage company, XXXX, changed to PHH Mortgage. PHH never answers the phone XXXX and I cant make a payment on line until after I make a payment online. I submitted a complaint to them online regarding getting my escrow information and they took over a week to unsatisfactorily get back to me. I believe XXXX has made this change to purposely cause people to not be able to make their mortgage payments on time.
Consumer complaint received 2019-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

On XX/XX/XXXX, I made a {$16000.00} payment to loan ending in # XXXX. The new balance dropped from {$25000.00} to {$9100.00}. My monthly payment was to change from {$160.00} to {$61.00}. The monthly payment has not changed as of XX/XX/2019. I called Navient in XXXX, XXXX and XXXX to ask why the new payment based on the reduced principal amount is not reflected in my account. Every time I have called, the Navient representative misinformed me that the reduced payment would take effect the following month. However, that has not happened, now three months later. I have overpaid {$210.00} towards this loan between XXXX and XX/XX/2019. I would like Navient to reimburse me {$210.00} immediately.
Consumer complaint received 2022-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC (NY)

This is addendum to complaint # XXXX. 
The name of the firm : ASGRecoveries.com. 
I received a voicemail from from XXXX ( XXXX ) XXXX asking me to call them to resolve a past due debt was in collections. ( All of my bills are current and my credit is in good condition. Additionally, Ive no past due bills. ) I called the telephone number and got a message saying that I needed to resolve the problem with the law firm. 
I also received a text that is also attached below.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Equifax and XXXX  are falsely reporting late on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 11 and 12 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-06-12
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: HOVG, LLC (MD)

Last date that is relevant XX/XX/2019 It is ongoing Dispute with XXXX ( Creditor ) No valid verification method. Inadequately Reporting. 
I have sent disputes approx. 3 to 4 times with proper information and explanation. 
no credit debt should be on my XXXX account the balance should be XXXX. It has once again affected my credit rating. 
I constantly monitor my report with all 3 reporting agencies daily. 
requesting to remove with prejudice. 
XXXX should remove promptly from my report. 
1ST XXXX XXXX  XXXX has been PAID IN FULL ( Showing on my report ) 2ND XXXX XXXX -should be deleted not my charge XXXX 3rd bay area credit should be deleted not verified XXXX Total of XXXX They have received information on this prior.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2019 I went to the Bank of America to see about using an offer from them sent in the mail to consolidate high interest credit debt. They initially had trouble with the mailing 's code, but overrode it. On XX/XX/XXXX, I attempted to make a payment on a XXXX Visa card only to find that Bank of America had paid {$5700.00} to this card on XX/XX/XXXX without my authorization. I had not even activated the Bank of America account and had no intention of paying the XXXX account using Bank of America. I placed a complaint through XXXX  and Bank of America did not show proof of my authorization, yet they have closed the fraud inquiry. This has not been resolved to my satisfaction as they insist I abide by their ruling.
Consumer complaint received 2022-04-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (VA)

I have nearly paid off my loan with Hyundai motor finance. A few weeks ago, I went through my dealership to cancel the Hyundai protection plan maintenance wrap and get what I spent refunded ( meaning my loan will be reduced by {$2100.00}. I followed up with the dealership and messaged HMF and Ive heard nothing back.
Consumer complaint received 2019-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

I was payed a two thousand dollar check, which I submitted to my Chase bank checking account on XX/XX/2019. The payment of two thousand dollars was paid from an existing account also belonging to Chase bank. Chase did not recognize their own account, and decided it wasnt safe to transfer from even though it was from their own establishment. Resulting in a withholding of funds. I understand this is done often as a safety measure to make sure checks dont bounce, but as a rule an established check, or a check paid from the same institution should not be withheld. I called Chase bank on XX/XX/2019 to complain, but they refused to acknowledge their own account as safe to draw from, and did not withdraw the hold. I have been with Chase for many years, and they have a repetitive history of placing holds on checks that are safe to draw from, including checks from the federal government Ive received from taxes, which are an established trusted accounts. When these accounts are being held so often when its not deemed necessary, I believe Chase is taking advantage my deposits at my own expense, and this abuse of power in fact should be illegal and be investigated.
Consumer complaint received 2024-03-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (MI)

My brother passed away, and there is a balance on his card of {$210.00}. I am his court appointed legal representative. I contacted Netspend beginning on XX/XX/2024, to inquire about getting the remaining balance. I sent the requested documents and received confirmation. I was told it would take 14 days to process. I have waited and continued to contact them thru e-mail and on the phone several times. I resent the documents on XXXX XXXX and I still do not get any response. Meanwhile they continue to take a {$9.00} service charge every month
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have a collection on my report from XXXX XXXX with TransUnion. I sent TransUnion a certified letter asking them to remove this collection. I also attached a letter from XXXX XXXX stating they will be requesting the credit bureau to remove this collection from my credit report. As of this writing, TransUnion still has not removed this collection. I have attached the letters for your review.
Consumer complaint received 2018-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (AZ)

The debt showing on my credit reports is not mine. The account states that it was opened on XX/XX/XXXX. During this time I was incarcerated until XX/XX/XXXX. There is no way I could have established this account nor give anyone else permissions on my behalf. Based on the information showing on my reports, I cant even identify what type of account this is. However, I do know that I was not in the position to have opened this frivolous account.