davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc. (IL)

This collection violates the law Under the FDCPA law 15 USC1692 - debt collectors can not state that such consumer owes debt Also violates 15 USC 1692 ( E ) 11 by giving false, deceptive misleading representation or means in connection with collecting any debt. The report states I " owed '' a positive balance. So after assuming a debt they also sent me a wrong statement you can not pay off a positive balance and it was never disclosed to me it was a attempt to collect a debt.

also violates 15 USC1692 ( e ) 11 Name -The Bureaus amount : {$1500.00} date : XX/XX/XXXX 2.XXXX  Amount : {$600.00} date : XX/XX/XXXX 3.XXXX XXXX XXXX  amount : {$220.00} date : XX/XX/XXXX 4XXXX XXXX XXXX amount : {$200.00} date : XX/XX/XXXX 5.XXXX XXXX  amount :XX/XX/XXXX& {$100.00} date : XX/XX/XXXX & XX/XX/XXXX6.XXXX XXXX  every account
Consumer complaint received 2022-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

Credit Management LP open a claim on my credit report FOR {$110.00} I repeatedly contacted the originator of the account letting them know that this inaccurate it`s not mine. my credit has taken a hug hit because of this.
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

I have refinanced my home, with a payoff date of my mortgage with Ocwen of XXXX XXXX. Although the balance on their website showed as XXXX on XXXX XXXX they still processed a payment of {$1300.00} on this account that had a XXXX balance. Since I was not expecting this I was left {$700.00} overdrawn on my bank account, and had to borrow from another source. This morning when I called them the XXXX person I spoke to got testy with me and blamed it on the title company for the refinance. Luckily I was disconnected from her. I got another gentleman when I called back, and he said he would try to expedite my refund, but that it still could be 5-10 business days. Is that fair?
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have recently reached out to all three credit bureaus about the incorrect reportings of hard inquiries on my credit report. the inquiries were for an auto loan. The credit bureaus informed me that I had to reach out to the banks. Yet the banks said that I had to contact equifax, XXXX and XXXX  to resolve the issue. 

The reportings are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-04
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)

I have recently reached out to all three credit bureaus about the incorrect reportings of hard inquiries on my credit report. the inquiries were for an auto loan. The credit bureaus informed me that I had to reach out to the banks. Yet the banks said that I had to contact XXXX, transunion and XXXX to resolve the issue. 

The reportings are : XXXX XX/XX/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 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 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Experian lists a charged off credit card account with XXXX XXXX reporting late every month, in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX accounts XXXX, XXXX and XXXX has violated my rights. 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 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I requested method of verification from Experian XX/XX/22 and they have failed to comply with the 15 day limitation.
Consumer complaint received 2022-12-04
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. (FL)

A fraudulent credit card was opened in my name in XXXX of XXXX with XXXX XXXX account number : XXXX. I had no choice than to settle this account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX because I was applying for a mortgage and this fraudulent account was affecting me from getting a mortgage. I never opened any account nor received any service from XXXX XXXX My identity was stolen to open this account. I filed a police report along with an identity theft report. Submitted both reports to the credit reporting agencies and they failed to remove this fraudulent charge-off account from my credit report. I also sent a certified letter to XXXX XXXX requesting a debt validation and still havent received a response. Attached is proof that Ive made several attempts to get this fraudulent charge-off account removed from my credit report. I never authorized this account, please remove from my credit report immediately.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2019-07-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (AE)

On the XXXX of XXXX, I deposited a check for {$3000.00} to my Suntrust Savings account. The check was from my personal XXXX account. The check cleared and the money was deposited in my Suntrust account, however the very next day my Suntrust accounts were closed by Suntrust and placed into fraud review. I called Suntrust customer support on multiple occasions to address the concerns. On every occasion I was told I couldn't be helped and to wait and see what the fraud review was all about. I went to address this problem in person at my local branch, XXXX XXXX  SunTrust Branch. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, VA, both the customer service representative and the branch manager tried to help obtain more information about the case and I was told they cant help. I provided both the customer service representative and the branch manager, copies of the deposited check, XXXX XXXX statements showing the funds were withdrawn, and Suntrust statements showing the funds were deposited and I was told again, its a fraud case and there is nothing that can be done or that I can do. Its been about 5 months without any clarification or mention of when I will obtain my funds. I've spoken to XXXX and they said if it was fraud, Suntrust would never have deposited the check, and if they were investigating it, that the investigation would not last more than 30 days. The local branch echoed the same information XXXX told me too. 

I am unsure what to do now. The management of this case has been mind boggling and we still have no answer. At this point in time I believe Suntrust has not acted fairly or been clear about the suspected fraud even when provided all the material evidence : deposited check, bank statements and pay stubs from the U.S. Department of State. In addition, I believe this is an act of discrimination that can no longer be tolerated. Suntrust has not only withheld my money, but has also caused significant stress on my financial standings by closing my accounts, freezing my money and demanding payment of credit cards even though the bank has frozen my funds.
Consumer complaint received 2019-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (GA)

Several items were stolen from my home which includes my XXXX, my cellphone, tv XXXX   tablet, debit card. I reached out to chase bank and visited the branch due to these charges that were not authorized by me due to the card not being in my possession. Chase refunded my money and then later denied my claim stating that I did not have a valid proof that my card was stolen. Im unsure of this because If I call and say my things were stolen anything that was done with my card whether In person or online banking can not validate that my card was still in my possession. I have XXXX funds I have kids and bill that has to be payed.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

Someone stole my identity and charged {$810.00} on XX/XX/XXXX at XXXX while both my husband and I were at work. We disputed the transaction on the same day with J.P. Morgan Chase and they reversed the charge, in addition to making us verify our identity with them before unlocking our checking account and issuing us new debit cards. They then about a week or so later put the charge back on claiming that since the correct pin was used that it was a valid charge even though as part of the identity theft they got my pin.

Me and my husband have tried to work with Chase ( even emailing their executive team ) and they say that since the correct pin was used regardless of whether it was identity theft or not that we are out of luck and refusing to give us back our money. While I do not have a copy of the police report I do have the police report number, I do have the number from the city : XXXX with the City of XXXX in XXXX WA and Chase does not think that is good enough. As this falls under Regulation E, I ask for your immediate help to get this resolved.

We can not afford to be out this money as this is causing us to get behind in our bills and messing with our credit.
Consumer complaint received 2021-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

My fiance added me to her Capital One XXXX XXXX, I am already a Capital One customer with my own login for the app, now when I log in to my app I able able to access my multiple lines of credit in one app. That should be great, unfortunately it is not because every time I make a payment to the Capital One they place a fraud alert on the account then force me to go through a lengthy verification that includes calling XXXX XXXX XXXX to confirm I own the same exact checking account that I've already verified with them.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (MT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letter for the information that needs to be re-investigated. 

1. The account is involved in litigation and should not appear on my report. 
XXXX Account Number : XXXX The following account is involved in a litigation and should not appear on my credit report. Please remove it at once.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

ON XXXX XXXXXX/XX/2022 I received a text fro TDBank with my first name welcoming me to the account giving me a reference number and telling me it would be a snap to finish setting up the account. 
searched online and found the XXXX number to TD Bank and called them to see if an account was opened in my name and the representative verified an account was opened in my name with my address. She told me to call TD Bank Fraud.

I called TD Fraud and was told that the investigators would send me information. I requested that the account be closed because I DIDNOT open the account. I was told they could not give me information but that someone would be in touch with me. I asked for a confirmation number of something to verify it was closed and was told I couldn't have any information, but that his name was XXXX and that the call was started at XXXX on XX/XX/2022. I was also told that a letter would be sent to me. I was not told when the account was opened nor what type of account nor if the type of activity on the account. TD Bank was very unhelpful but they allowed someone to open up a fraudulent account.
Consumer complaint received 2022-03-14
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. (FL)

The credit Bureaus are reporting incorrect information on my credit report. I have tried numerous times disputing and nothing has changed. 
I am currently enrolled in a Debt management program ( XXXX XXXX XXXX ) that settles account for less money with agreement from the creditor who owns the account. 

1 ) XXXX sold the account to XXXX which was sold to XXXX XXXX XXXX and was settled for a lesser amount of {$830.00}. This account is being paid every month and will be paid off XX/XX/22. As for credit reporting, apparently XXXX has reported. Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. 

2 ) XXXX XXXX Bank is actively being paid to XXXX XXXX XXXX for a lesser amount of {$760.00} which is the same situation XXXX is reporting an incorrect amount. XXXX XXXX XXXX is the authorized, active collection authority. XXXX need to delete their reporting even though they now own the debt, but no longer the active debt collector. The offer to accept the settlement offer from XXXX XXXX XXXX with the added stipulation that they agree not to report their collection to any Credit Reporting Agency.
Consumer complaint received 2022-03-14
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. (FL)

The credit Bureaus are reporting incorrect information on my credit report. I have tried numerous times disputing and nothing has changed.

I am currently enrolled in a Debt management program ( XXXX XXXX XXXX ) that settles account for less money with agreement from the creditor who owns the account. 

1 ) XXXX sold the account to XXXX which was sold to XXXX XXXX XXXX and was settled for a lesser amount of {$830.00}. This account is being paid every month and will be paid off XX/XX/22. As for credit reporting, apparently XXXX has reported. Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. 

2 ) XXXX XXXX XXXX is actively being paid to XXXX XXXX XXXX for a lesser amount of {$760.00} which is the same situation XXXX is reporting an incorrect amount. XXXX XXXX XXXX is the authorized, active collection authority. XXXX need to delete their reporting even though they now own the debt, but no longer the active debt collector. The offer to accept the settlement offer from XXXX XXXX XXXX with the added stipulation that they agree not to report their collection to any Credit Reporting Agency.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (RI)

I PURCHASED XXXX JACKETS FROM MERCHANT. I RECEIVED XXXX JACKETS. 
I RETURNED XXXX JACKETS TO MERCHANT. THE WERE BILLED ON SEPARATE INVOICES. THEY WERE RETURNED IN SEPARATE BOXES. THEY WERE XXXX RECEIVED BY THE MERCHANT. I HAVE XXXX REFERENCE TRANSACTION ID 'S INFORMING THE CREDIT CARD COMPANY TO REFUND XXXX PURCHASES. 
THE CREDIT CARD COMPANY HAS REFUNDED ONLY XXXX PURCHASE AND I HAVE TRIED ON MULTIPLE OCCASIONS TO GET MY MONEY BACK. EACH TIME THEY DO AN INVESTIGATION THEY DENY THE XXXX REFUND
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (PA)

During the month of XX/XX/2022, I received many calls from a number I did not recognize and therefore did not answer ( XXXX XXXX XXXX ). On XXXX I finally answered. It was a debt collector representing XXXX XXXX and/or XXXX XXXX pursuing debt incurred by a XXXX XXXX of XXXX NJ XXXX I explained that my name is XXXX XXXX XXXX and have never had an account with XXXX XXXX or XXXX XXXX. I have lived at XXXX XXXX XXXX, XXXX Pa for the last 35 years and have never lived in XXXX NJ. They indicated that my phone number was tied to the XXXX account. My phone number is XXXX XXXX XXXX which is a PA area code. I have no idea how my phone number was attached to this account. The individual I spoke to named XXXX seemed to understand this was a case of mistaken identity and indicated fraud might be involved. XXXX indicated he would correct the issue and contact a credit bureau to insure my credit would not be tarnished. I thought that was the end of it. On XX/XX/2022 I received the attached documents. It would appear that my address is now also linked to this account. On XX/XX/2022, I talked to XXXX of XXXX XXXX ( XXXX XXXX XXXX or XXXX XXXX XXXX ). When I initially made the call, the auto answer indicated my phone number was linked to an account there. Clearly my phone number was not disassociated from the account I did not have. XXXX too seemed to understand the mistaken identity and indicated she would correct it. I am filing this complaint in case she does not correct it. Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.