davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

I was offered a job opportunity from my school email. The scammer claimed to be a Doctor at the clinic in the XXXX XXXX XXXXXXXX, they called themselves XXXX XXXX XXXX. They used a staffs email to send the information for the job. ( XXXX ). I checked XXXX for XXXX XXXX and was fooled into believing it was legit and texted the number they provided, they asked for my name, mailing address and resume. Then I received an email from XXXX containing a link which had taken me to a website XXXX XXXX XXXX to complete my job application. I then was asked to check online for office supplies to start working from home and so I did. I was told that everything will be paid for and students must not use their personal devices. I was to report the price online for a computer, printer and self inking stamp. I was then told that these supplies will be funded by the " professor '' and sent to me, but I will be given a check first of {$1600.00} to pay for supplies. This check was Emailed to me from the email above. The scammer/ '' Professor '' told to print the check and scan it via my mobile bank app, which I did. Once the check was successfully scanned I was told by the scammer that the funds will be processed by the next day. Since I believed I had the funds, I thought everything was okay when the " Professor '' /scammer told me to pay the supplier who will be delivering the equipment tomorrow. So they gave me the XXXX information for the supplier ( Tynesia Graves, XXXX ) which didn't work at first so a second account was given ( XXXX XXXX, XXXX ) it worked and I payed them XXXX, XXXX, XXXX respectively since a Total of XXXX dollars could not be spent at one go via XXXX. I was told that I will be receiving the supplies the next day which didn't happen and my bank told me the check was fake 2 days later. I reported to my TD bank and they set up a dispute which failed after 10 days, I reported to my local police but the investigation hasn't gone anywhere. I was scammed thinking I was receiving a job from a staff at my University. 
( I placed the 2 XXXX account of the scammer in files below )
Consumer complaint received 2022-11-30
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-17
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-11-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (CA)

I had a line of credit with affirm for a chair I bought from XXXX  XX/XX/2021. It says you will receive the product within 20 days. I never received it. So since I did not I filed a dispute with affirm. I had to send the screen shots of the problem multiple times ... .after a month they were finally disputing it with the card...... I guess that takes XXXX days they said you won't be able to make anymore payments while it's disputing. 

Now that I go to use affirm again they denied me for failing to pay my loan!!! I was like no it's in dispute. They sent me a letter for credit denial because I failed to pay my loan... .the loan that is in dispute. This is incorrect information. I did not fail to pay my loan. I paid it up until they said I can't anymore since it is in dispute. Not to mention I still have not received a refund for the payments I did make for a product I never received.
Consumer complaint received 2021-11-23
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: Experian Information Solutions Inc. (MI)

I have sent several letters to the credit bureaus for them to investigate the following accounts for accuracy and validity on the following dates below : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX
Consumer complaint received 2023-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd (WY)

by thursday i was to transfer XXXX usd and it says status change to checking transfer, then it says it will took a bit more to send the funds and when i entered the friday to the account my account says deactivated without any reason no emails or nothing they just closed the account without any reason cuz all the money i received there is legit and legitimate from my XXXX bussines account
Consumer complaint received 2023-03-26
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (UT)

When I had a check to deposit I had {$5000.00} to deposit in a checking account no one was available to help me and I left upset only one teller and no bankers were available very unprofessional that J.P. Morgan chase has implented on their low staffing I understand this world is nuts I cant work for a certain reason I wont discuss but I will say this when u have low staff try and call some one dont show them away and I just was very disappointed I was trying to open up an account with chase because I was having problems with my previous bank XXXX XXXX so I was ready to start a new account and I was shoed away and that made me upset so hopefully this wont happen to another customer its poor judgement needs to be worked on especially when XXXX XXXX and have XXXX its very challenging when some one cant help u its really sad thats all I have just have some class and help potential customers
Consumer complaint received 2022-06-14
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. The below companies have fraudulent accounts on my credit profile that need to be removed immediately. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : Dept EducationXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (IN)

Fraudulent account was opened under my name, bank still has not closed account. SYNCB/Amazon. account opened XX/XX/22 fraudulently, credit frozen immediately by myself, notified bank same-day, have not received any followup from bank, refused to provide claim number or send followup paperwork. continued to mail card to house.
Consumer complaint received 2022-07-21
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. (OH)

In Accordance with the fair credit reporting act Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602. A States I have a 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.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

XXXX recently removed an incorrect bankruptcy that is reporting on my credit report. I have sent the paperwork that was sent to me showing that this bankruptcy was incorrect and XX/XX/XXXX still will not remove this incorrect item from my credit report. There is no way that they can verify it as accurate when it is not on my credit report. The company that verifies bankruptcy 's for XX/XX/XXXX is XXXX and there is no way that it can be verified when it is non existent.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I paid off my loan in XX/XX/2017, XXXX XXXX showed I had a balance of XXXX cents. I paid a {$1.00} twice ( as that was the minimum amount allowed on their site ). I then tried paying {$5.00}. Each time the XXXX cent balance remained. XXXX XXXX   reported me late in XXXX, XXXX and XXXX of 2017 which was completely inaccurate as I had paid the XXXX cent balance and they showed {$0.00} as the minimum due. I tried calling XXXX XXXX numerous times for a correction and each time they refused and simply said their records were accurate yet I have the documents to prove otherwise. What is strange is they report accurately to XXXX  but not Experian or XXXX. Please help.
Consumer complaint received 2018-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Number : XXXX Date : XX/XX/2016 Amount : {$1200.00}
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on several occasions I have submitted request for this company to remove the inaccurate information from my credit profile and my request have been ignored. they are reporting XXXX  Reported on XX/XX/2009 {$140.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reasons Accuracy : This account is too old to be on my credit report. 
The creditor agreed to delete this account.
Consumer complaint received 2022-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

In XX/XX/XXXX, I was forced to overpay unearned late fees of {$2800.00}. 
For 8 years Nationstar has secretly allocated {$11000.00} after deleting all contemperaneously charged late fees and a single {$990.00} deferred late fee. 
I owed {$1500.00} in late fees. 
In XXXX, XXXX and XX/XX/XXXX, I provided clear evidence of this inaccurate payment allocation, Nationstar 's counsel claimed was updated XX/XX/XXXX, and then after causing my prejudice by fraudulently obtained XXXX waiver and release, the counsel waited a month and disclosed that in fact no update to lines XXXX were ever actually made. 
XX/XX/XXXX I wrote a required notice of error. Nationstar acknowledged the notice XX/XX/XXXX, and refuses to respond with a data entry correction in lines XXXX and refuses to provide me with an accurate account history of my loan. 

I was provided a Verification of Mortgage that also claims I had XXXX current payments when the final payment was current and the first XXXX were generated 16 days after the due date and paid the date I received them in the mail.
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!
Consumer complaint received 2021-06-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I notified Experian that I am a victim of identity theft. I know I am responding to Experian response. I did not receive anything/goods and my request is not in error. I am a victim of identity theft.
Consumer complaint received 2018-12-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

To whom it may concern, I opened the Citibank account for the {$400.00} bonus. The terms of the account is to have {$15000.00} by 30 days of opening and you will get the bonus. I opened my account in XX/XX/XXXX and I still have no received my bonus as of today in XX/XX/2018. I deposited the amount needed for the bonus in time! I was sent an email that I didn't qualify for the bonus and I immediately called them a couple of months ago. The representative double checked I had all the things needed to obtain the bonus and they confirmed and put a note on my account that I do qualify for the bonus. I asked if there was a way to expedite the process and make a claim to make sure that I get the bonus. They responded to me that I was not able to make a claim until XX/XX/XXXX. I was on vacation so I was not able until later on. I again tried to contact Citibank and I finally filed a claim 1 week ago. They said they will respond in 2 days but I haven't heard no response yet. I will attached the claim number upon request.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2018-04-23
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: JPMORGAN CHASE & CO. (MD)

I would like to re-open the following claim : XXXX. 

Last year, I filed a fraud report against Chase because someone tried on multiple occasions to get credits cards under my name from this bank, but Chase kept denying this had happened. My complaint was closed after the company finally acknowledged to the CFPB that multiple applications were filed under my name and asked all three credit agencies to mask my personal data to prevent this from happening again. 

Unfortunately, yesterday ( XX/XX/XXXX) someone again tried to open a new Chase account under my name. I learned of this when my credit monitoring company ( XX/XX/XXXX, from the Office of Personnel Management ) sent me a notification indicating Chase had done another credit inquire at XX/XX/XXXXusing my name. 

I contacted Chase, but like last time, they have no records showing I have ever applied for their credit card. 

How can I get Chase to stop processing fraudulent credit requests under my name? I will never use this bank for anything, so why can they just delete all requests under my name?
Consumer complaint received 2022-06-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CCS Financial Services, Inc. (NY)

I tried to call this company called Credit Collections Services, because I just now received a letter from them dated XX/XX/2022 with File Number XXXX XXXX XXXX PIN number XXXX for the amount of {$53.00}. The letter shows creditor being XXXX XXXX XXXX, and they offered a discounted amount of {$42.00} for me to pay. However I received a text from another company called XXXX with reference number XXXX there contact number is XXXX requesting money for this same alleged debt. Top level I now have on my credit report listed that I owe {$53.00} but it does not specify to who and my credit report went down terribly. 

I am requesting an official debt validation letter from each one of these companies. I want to get proof of sale with my signature that shows I in fact owe this alleged debt, and I want this collections remark to be officially removed unless they can provide me with signed bill of sale or alleged contract and to whom do I alleged owe this debt to but this is unfair.
Consumer complaint received 2022-06-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Sequium Asset Solutions, LLC (NY)

I tried to call this company called XXXX XXXX XXXX, because I just now received a letter from them dated XX/XX/2022 with File Number XXXX XXXX XXXX PIN number XXXX for the amount of {$53.00}. The letter shows creditor being XXXX XXXX XXXX, and they offered a discounted amount of {$42.00} for me to pay. However I received a text from another company called Sequium with reference number XXXX there contact number is XXXX requesting money for this same alleged debt. Top level I now have on my credit report listed that I owe {$53.00} but it does not specify to who and my credit report went down terribly. 

I am requesting an official debt validation letter from each one of these companies. I want to get proof of sale with my signature that shows I in fact owe this alleged debt, and I want this collections remark to be officially removed unless they can provide me with signed bill of sale or alleged contract and to whom do I alleged owe this debt to but this is unfair.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (IL)

After requesting an investigation to remove and revise false/outdated information. Checkr replied they would indeed revise my information regarding my driving license status, stating my license were valid. However, they never revise nor updated my info. They are all talk and no action. Terrible company with reflecting ethics.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX 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 2021-07-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (SC)

On XX/XX/2021 I XXXX XXXX the natural person received a letter from XXXX XXXX XXXX stating that I pay debt. I do not owe any debt to XXXX XXXX or did I do any business with them for them to have my information and I am furious that they inconvenience me by calling and me and asking for money and send me letters demanding money. This a violation of my consumer rights and according to 15 USC 1692k the are criminally liable for {$1000.00} for each violation they've violated under the FDCPA.
Consumer complaint received 2020-12-15
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020