davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-04-07
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)

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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Sent information in the this company several times. I uploaded documents directly to them when my certified mail documents went unanswered. I called and was told to mail in the documents again. I can never get a representative located in America, its always XXXX or somewhere i can't pronounce. Its several inaccurate information on my credit report, which after weeks of research and legal assistance, i now know its fraudulent. I've attached my information to be resubmitted, please remove this information. I will also attempt to upload these documents directly to them again.
Consumer complaint received 2021-07-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (KY)

We sold our home and and requested a payoff on our mortgage from Freedom Mortgage XXXX XXXX , XXXX, IN. XXXX. When we received the payoff it had charges for accrued interest of {$1800.00}. The company was informed that our closing date is XX/XX/21. The interest charge on this loan is XXXX per day. My monthly payment is due on the XXXX of each month and we are closing on the XXXX of XXXX. The accrued interest should be under {$400.00}. XXXX. Then the company is changing me {$30.00} for each statement sent on 3 different days. The company provided a statement for three different days XXXX, XXXX and XXXX of XXXX. The amount was different on each statement and a {$30.00} charge for each statement sent. When I called Freedom Mortgage and ask about the charges I was informed the charge for for interest was for XXXX and XXXX and a few more days. The statement fee was waved and only one statement fee would be charged I have had problems with this company before when I tried to refinance my home for a cheeped interest rate.
Consumer complaint received 2022-04-07
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. (SC)

My Social Security # was used to apply for credit without my consent or my authorization and I reached out in the past on older inquiries and those still exist alongside the new ones. I've included a Dispute letter with all Three Credit Bureaus addressed.
Consumer complaint received 2018-09-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Southern Auto Finance Co (TX)

XXXX XXXX XXXX in XXXX tricked me into purchasing a vechicle which was about {$5000.00} over priced. They did not inform me that the car was only worth {$6000.00} at the time. I did not find out until I attempted to refinance. The bank informed me I owe 2x what the car is worth. My payments have always been on time. But still I can not get refinanced. The XXXX XXXX location I purchased the car from has since been closed down for fraudulent practices. I am now stuck with a 18 % interest rate and a car unable to be refinanced. Safco the lender stated to contact XXXX XXXX. They refuse to work with me.
Consumer complaint received 2021-07-15
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: Simon's Agency, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-04-07
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: Choice Recovery, Inc. (MO)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXXXXXX 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 2018-09-11
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. (PA)

After reviewing my credit I noticed that there was a closed account negatively affecting my credit. Pursuant to the 611 and 609 of the FCRA I requested that this item be removed. The account is through XXXX with an original delinquent date of XX/XX/2005.
Consumer complaint received 2021-07-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My credit score dropped XXXX pts in 1 month from XXXX to the mid-600s on both Transunion and XXXX immediately after I successfully refinanced my home mortgage for {$570000.00} with XXXX XXXX XXXX. The average age of my credit accounts dropped from XXXX years to 2 years. XXXX??? I am XXXX XXXX XXXX. I have had credit since1XXXX with my first credit card being from XXXX so I could pay for aviation fuel while learning how to fly. I have not been late on a payment in over 15 years. I have no derogatory information in over 15 years. Please DIRECT XXXX and TRANSUNION to correct the scores immediately. I have filed a Small Claims Lawsuit against XXXX in New York, NY and will be filing a lawsuit against Transunion and the firm that prepares the XXXX XXXX score in Connecticut seeking {$10000.00} in damages and all other relief allowed by law. This is fraud pure and simple.
Consumer complaint received 2022-04-07
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: CAINE & WEINER COMPANY, INC. (MO)

n accordance with the Fair Credit Reporting act XXXX Account Caine & Weiner, 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 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo Business Platinum Card ending in XXXX:Over limit fee of $XXXX was charged to my account on the following dates: XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 & XX/XX/19 for a total of $XX/XX/XXXXI Contacted WF on XX/XX/19: CSR (female didn’t get her name) looked into it and I was told that this was standard fee for going over the limit. I asked if I could remove that feature and was told no. It was explained that my option was to pay closer attention to daily balance, make more frequent payment(s), and/or use a different card. I then informed her (WF csr) that I never opted in (knowingly) nor received any confirmation of such an opt-in; which is require by the Credit Card Act of 2009. At this point the CSR promptly offered to refund 2 of 5 the fees. I explained there was 5 and she said she would refer me to another dept at this point.WF Customer ??? dept CSR XXXX took over and I explained the situation to him. I did also request some proof that I knowingly opted-in and that WF sent confirmation regarding the over limit fee. He said he would look into this and get with his supervisor. He came back on the phone and asked what months had the over limit fee so he could get approval to get them refunded/reversed. After 5 mins or so on hold he came back on the phone and stated he was able to get all 5 reversed. I did ask again about the opt-in proof. He was unable to provide any info that I had opted-in or that confirmation was sent. Seemed eager to want to make this situation go away. Prior to ending the call he did inform me that he was sending this matter to the WF Executive Offices / Case Management (Case ID: XXXX) and I should hear back from them in a few days. I did ask one last time to opt-out but he wasn’t aware of any way to do that and the case manager should be able to help.I find this practice to be very shady and unethical. It feels as though they (WF) are banking on busy customers like me to miss those fees when reviewing statement charges and hoping to get away with generating income off of falsely charged fees. It’s kind of like begging for forgiveness over asking for permission.
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/2021, I sent a debt validation letter via certified mail with return receipt to ARS Account resolution at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX requesting Debt validation. Tracking # XXXX shows it was received and signed for. Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and ARS Account Resolution has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the XXXX  to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I received an email alert from my credit monitoring service that a credit account had closed under my name. I then proceeded to go onto Chase online and noticed that indeed one of my accounts had been closed. The account ending ind XXXX. This is not the first time Chase has closed an account under my name due to inactivity or attempted to do so. 

Previously, I did receive a letter in the mail and I contacted the bank and they kept an account open. The last time they closed my oldest tradeline with no warning other than to say we sent a letter to you. I fought that issue and lost unfortunately. 

This time, Chase is at it again. In regards to my account ending in XXXX, I spoke with three representatives who all said that they sent me a letter at the end of XXXX and that there was nothing else they can do. I have been escalating the issue further and further to climb up the ladder and maybe get this issue to a product manager who can actually make the decision to re establish an account.

Chase has made XXXX good faith effort to reach me as their customer to inform me of a serious matter of account closure. It is XXXX not XXXX, they have multiple methods of reaching out to a customer. I never received any postal correspondence from Chase and there is no real way to dispute that as there is no tracking information on a form letter sent through the post office. But Chase has my email address, my phone number and a secure messaging service on the online banking service. None of these methods were used to contact me to inform me of a serious issue regarding account closure. 

This will again cause real meaningful harm to my credit as it will be a second long standing card that has been closed by the issuer. That is now a derogatory remark on my file and reduces the age of my credit and also increases the total utilization ratio of my credit report.
Consumer complaint received 2022-07-27
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. (IL)

15 U.S. Code 1681i - XXXX in case of disputed accuracy Dates on accounts are showing inconsistent information and many inaccuracies. 
Dtae opened balance XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX Bankruptcies eported by XXXX XXXX and not original furnisher XXXX  XXXX Bankruptcy inccorect name of company XXXX SSA/OFFICE OF FINANC different account number DELETE UN Verfied information Fcra states the first party has to report information on consumer credit profile accurately DELETE due to inaccuraties and unverfied information
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MO)

I called XXXX XXXX advised them that I have been Directly impacted by XXXX and not working. I provided them with what insurance I had at that time. Theyve disclosed my medical records and account to agent without my permission.
Consumer complaint received 2021-07-15
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. (MS)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX  and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NJ)

on XX/XX/2022 made a payment of {$170.00} to the credit card company the same payments been made every month for 5 years.Called them on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX nothing no explanation were the money went i have a confirmation number and a trace number from my bank that said they recived it
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used the BofA drive up ATM, back in XX/XX/XXXX. I had tried to pull out {$400.00} and the transaction was declined. I then attempted to pull out {$300.00} and again, the transaction was declined. 
I went home, and reviewed online to see why the transactions did not go through, and I see that the {$300.00} withdrawal had posted. 
I tried calling BofA branch, but they had closed for the day. When I finally was able to reach a representative from BofA, they said I needed to contest the transaction with my card company. 
I reached out to my card company ( XXXX ) to let them know I did not get money out of the ATM, and the transaction never happened. 

They then went to BofA, and BofA sent them a transaction report, that just read {$300.00} had been dispersed. So my card company charged me the money and said they couldn't do anything further. 
I reached out to the police department to see if I could file a report, but they said they couldn't help. 

I reached out to the XXXX, to see if they could help, and they have attempted to resolve this with no resolution. I have spoken to Three representatives at BofA, who said they would get this fixed and I can not reach anyone anymore. This has been over a year now. They have cameras. They are able to see no money was taken by me. It shouldn't be this difficult to get a simple wrong transaction corrected, in my opinion. 

The reps at BofA I spoke with are : XX/XX/XXXX I had a call from BofA with a XXXX XXXX XXXX XXXX x XXXX ) She never followed up or returned my calls. Then there was XXXX on XX/XX/XXXX and his extension at BofA is ( XXXX ) Lastly, XXXX XXXX on XX/XX/XXXX ( XXXX ) Again, no further communication with BofA.
Consumer complaint received 2022-07-27
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)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and XXXX XXXX account # 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 2018-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I made a mobile deposit for {$45.00}. I got an email confirmation that the mobile check deposit has been received from Citibank. I keep an XXXX spreadsheet of my bank balances with all the despots and withdrawals every day and a I saw that the balance on the account was enough to cover all the checks and ATM withdrawals for the day. 

The next day, on XX/XX/XXXX, however, I saw that my account was overdrawn and my mobile check deposit was still showing as pending. The mobile check deposit didn't post on time unlike what the e-mail confirmation said. Due to this reason I was charged a fee of {$34.00}, however this brought my account to a negative balance. I called the bank to get this fee reversed and they were able to credit my account. 

The next day, on XX/XX/XXXX, I was charged a second overdraft fee of {$34.00} because my account was overdrawn the day before with a negative balance. Then the next day, on XX/XX/XXXX, I got charged another overdraft fee of {$34.00} for being overdrawn the day before. The mobile check deposit that DID NOT get posted on time and get reflected on time triggered my account to become overdrawn, and because I was charged an overdraft fee it made my account to become overdrawn again and again. 

I believe this is a bank error and Citibank did not notify me the accurate balance on the account from XX/XX/XXXX. It started with the mobile check that did not post when it showed that it did. Their app was having technical difficulties on that day and it didn't get properly credited to my account. Had I known that I didn't have enough money to cover the checks then I wouldn't have withdrew money from the ATM each night to bring my balance down to negative. Instead, I would've deposited more money in the account.