davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc. (MS)

I have a pro collection debt on my credit report. Upon calling trying to get information for what this company. They told me I had a debt at a apartment complex that I moved from due to domestic XXXX case I had to move. When I told they said I had to pay no matter what. I ask if there was options I could get to settle this and then the customer service representative for them said no and if getting lawyer I would be even more then taking care the debt. I told the I didnt get any correspondence in the mail. I they still would not give me a option for payment plan or anything
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MN)

There is substantial issues with my Chase Credit Card account. First I reported unauthorized fraud activity on my account and it was not resolved. I never got any claim letter in the mail to sign and return and I was told they did an investigation and denied my claim but they never sent me any receipts of the purchases or reason of their denial. second they told me not make payment till the claim was resolved and they reported late payment to the credit repots on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I will not stand for them damaging my credit report for fraud charges I reported and they telling me not to make payment till the claim was completed. The balance on this on account should be {$0.00} and they should refund the fees and interest they have been charging me that were a result of fraud charges.
Consumer complaint received 2022-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CULLEN/FROST BANKERS, INC. (CO)

THE FROST BANK ACCOUNT IS NOT MINE. I HAVE ATTEMPTED, SEVERAL TIMES, TO HAVE IT DELETED, FROM MY CREDIT REPORTS. I DO NOT KNOW WHO THE ACCOUNT BELONGS TO, OR IF THIS IS IDENTITY THEFT. I JUST KNOW THAT THE ACCOUNT IS NOT MINE. PLEASE, STOP REPORTING THE FROST BANK ACCOUNT, AS MINE.
Consumer complaint received 2022-01-26
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. (MD)

On numerous occasions I have attempted to fix my issues with the three credit bureaus, however, my issues have yet to be fixed. An account with the name of XXXX is reporting on my credit report, however, this account is in violation of 15usc 1681e-d. I have also requested that this account provide me with an agreement in which I have with them to no avail. This company has not provided the authorized agreement creating the debt which is required to collect on a debt per 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX. That means I have no contractual agreement to pay them an alleged debt. There is also an account on my credit report in collections that has no information except a balance. I have no idea what it is and neither does the credit bureau and I would lie it removed immediately, thank you,
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc. (CO)

My complaint : I have the crypto.com visa prepaid card. This card is terrible for many reasons that do not pertain to this complaint. I have been tirelessly trying to close the card account, and they are literally making it impossible. I have called customer support multiple times. Every time, they say only a higher up can close the account. They also informed me that there is no way for me to get in direct contact with said higher up. They informed me that I have to go through the chat. Then they said the person in the chat will have to inform said higher up to close the account. The average response time for one single message via chat is over XXXX hours ( Imagine how frustrating that must be for an urgent request ). They are also intentionally incompetent, and still have not been able to relay the message to higher ups that I want my account closed. Instead they froze my account with large amounts of money in it. Now I have no way to access the money. This is by far the worst customer experience I have ever had, and I just wish they would reimburse my money instead of stealing it.
Consumer complaint received 2021-09-24
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. (MA)

On XXXX, Original Creditor : Not Available Creditor Contact : Not Available, add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that TRANSWORLD SYSTEMS would verify the debt. So I took it upon myself to ask TRANSWORLD SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (GA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Experian and XXXX are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; According to FCRA Section 605B ( a ) Experian and XXXX shall block 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.
Consumer complaint received 2019-07-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc. (CA)

I am still misunderstanding. 
I do not understand the reason ( s ) my medical insurance was not billed, instead of me.

And if I had none then I should of not been seen by a doctor ; unless proper billing was covered and issued as my possibility to be seen.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. ()

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

I have received XXXX phone calls and XXXX email from a company called Financial Credit Network Inc based in XXXX, CA. 

The agent on the call claimed that I had an outstanding amount between $ XXXX originating from unpaid Energy bills. However, the name of the energy provider they quoted ( " XXXX XXXX XXXX '' ) is not my provider ( " XXXX '' ). I have an ongoing payment plan with my actual provider, which I pay consistently, and have not been contacted by them about any other outstanding charges. 

I gave the agent my email and asked them to send me the details. The email I received was vaguely worded, and described a PDF attachment which was not present. The body of the email was not plain-text, but was actually a clickable image containing a link. I clicked it and then closed immediately, as it showed up as " unsecure '' in my browser. 

The agency has called me once more since the email, mentioning that they would need to take action if I don't respond to pay the amount.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a Suntrust credit card. Suntrust merged with BBT and when they did they merged they changed my payment information. I have been paying the same way with my XXXX XXXX  account for around 5 years. When I went to make a payment on XX/XX/21 I noticed that when I selected my XXXX XXXX  account it had someone else 's name on it, but with my routing and account number. The even stranger thing is that it is my bosses name. Somehow they associated me with my boss. I have been calling them for 2 days. I am bounced from one department to the next. Customer service says its the digital banking department and the digital banking department says its customer service who handles this. I think this is pretty scary that they are merging peoples financial information. I tried to edit the information online but that is not allowed. I tried adding it again but it wont let me because it is the same banking info. I couldn't find any way to delete and re-enter the info either. So right now I can't make a payment on my account and it is very unsettling that they are this careless with financial information.
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

When we were about to initiate a mortgage with XXXX XXXX Chase Bank in XX/XX/XXXX, we received an offer ( please see attached ) for the " Chase Closing Guarantee ''. We asked our senior home lending advisor XXXX XXXX XXXX about this offer numerous times. Initially when we started the process, we asked him on the phone. Again on XX/XX/XXXX we asked and he said he will get us the date when it starts. We never received a clear answer to what we needed to do to if circumstances would have been such that we could qualify for this offer. XXXX told us on XX/XX/XXXX it would be XXXX days to close. All through the mortgage process we would ask any of the team what was going on with the Closing Guarantee. 

On XX/XX/XXXX I spoke to XXXX XXXX lending manager XXXX and I told him I was calling him out on the XXXX Closing Guarantee offer of {$2500.00} and he said Chase has 30 days past XX/XX/XXXX to close and that would be by XX/XX/XXXX ( that never happened as I spoke to him on XX/XX/XXXX and we had still not closed ) and it is reviewed by their internal compliance team and if Chase is at fault they will pay and even if Chase is not at fault they can escalate this request. 

As time went on it became clear that we would qualify for this offer. Please see attached email sent XX/XX/XXXX to various Chase officials as to why. 

Things became so bad with Chase that I had no choice, but to file a complaint with their executive office earlier in the mortgage process. I spoke to XXXX XXXX XXXX XXXX in the executive office on XX/XX/XXXX and I asked her again about the Chase Closing GuaranteXXXX and she told me that XXXX XXXX submits the request once the loan is funded. 

We also spoke to XXXX XXXX business realtionship manager XXXX on XX/XX/XXXX asking her if the Chase closing Guarantee was processing. She was going to check on XXXX occasions and we never heard anything back. 

We finally closed on XX/XX/XXXX over four months from when we started the process and were in jeopardy of losing this house all due to Chase delays, but as of this date we have received nothing from Chase regarding the Chase Closing Guarantee of {$2500.00}.
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

I have been banking with Wells Fargo for over 10 years. I signed up for the XXXX XXXX card in XXXX 2017 with a signup bonus of {$200.00} back after $ XXXX spend in 3 months by clicking on an ad, and got confirmation from their credit card department via phone call that I am eligible for this bonus. I met the limit and months have passed without this bonus being posted. I called again and sent a message and they are now saying they do n't see that I am qualified and are not making an effort to help fix this. 

This offer has been around for a long time and is still being advertised online. I have never had issues with my bank balance nor do I have any credit issues. I have absolutely no idea why they would renege on the offer for just me, a loyal customer for over a decade.
Consumer complaint received 2022-12-01
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report XXXX as Company Info : XXXXXXXX XXXX XXXX Account No - XXXX XXXX. XXXX XXXX- {$1300.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account XXXX XX/XX/XXXX I already contacted XXXX XXXX on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX  XXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/21 after using an ATM to check my balance, someone was able to follow behind me and access my account from the same ATM and withdraw {$400.00}, putting my account in the negative. I noticed a suspicious individual hanging around the ATM. 10 minutes later I received the overdraft alert and called to report fraud. 10 days later, Wells Fargo denied my claim and refused to reopen it nor check the camera footage. I've been assessed overdraft fees and Wells Fargo is refusing to help.
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc. (TX)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-01-26
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. (TX)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I get emails from : Bank of America XXXX XXXX XXXX XXXX claiming my recent statement is available. I have never been on unemployment and was on disability briefly in 2016. I can't even access it because the card I previously had has long since expired. When I called trying to verify there was no fraud happening, they said I could request another card. Bank of America is defrauding the state. There is absolutely no reason for an inactive account to continue to get emails and statements and why on earth would I want them to send a card with a zero-balance other than they can bill the state. They told me I had to call XXXX, but you can't get through. I was told it would stop and it has not. Every time I get a new email I think there has been some type of activity and someone is using my information fraudulently.
Consumer complaint received 2018-02-26
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: Experian Information Solutions Inc. (TX)

First these accounts are not mines. Some were deleted from credit report then re-added to my report. The collection accounts I have attached disputes with company and Attroney General of those states company is doing business with.

These are the XXXX   accounts.

1. XXXX XXXX XXXX {$4100.00} Closed 2. XXXX XXXX XXXX {$1400.00} Closed These are my XXXX accounts. 

1. XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$3000.00} 2. In Collections/Charge-off XXXX XXXX XXXX XXXX  Last reported : XX/XX/2018 {$5500.00} 3. XXXX XXXX XXXX Last reported : XX/XX/2018 {$3900.00}