davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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 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 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 Balance : {$24000.00}, XXXX  XXXX Balance : {$22000.00}
Consumer complaint received 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: McCarthy, Burgess & Wolff, Inc. (MO)

I bought some pens and when I paid my check bounced. I have asked repeatedly for the original check back ( my bank does not have it ) as I do not want to pay again and have the first check deposited again. These requests have been in writing. The pen company sent my bill to McCarthy , Burgess & Wolff , Inc. Ref # : XXXX. I sent them the attached email telling them not to call me. They just called from a blocked number. I told them I sent them a notice to not call me and she said she did not get it. It was received and they replied to the email, I have attached both. I offered to return the unused portion of the pens for a full refund which I will be happy to do.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

In XXXX I lost my job, and XXXX repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over three years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments still? And why is the balance still the same, was the car not sold? I called XXXX again this past XXXX of XXXX, and a representative told me that the account has been charged off for years, well if this is so, why is my credit reports stating different? Every month the credit bureaus are allowing this company, XXXX to report inaccurate information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. This company is updating incorrect information every month, and although I have disputed these inaccuracies in writing with XXXX, Experian, and XXXX, they still allow this company to destroy my credit by reporting unverified inaccurate information every month. This account is intentionally destroying my credit file. I am in the process of trying to establish a better life for my children and myself, but I can not because every month, this company ( XXXX ) destroy my credit worthiness by reporting inaccurate unverifiable information.
Consumer complaint received 2022-04-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has done an Unauthorized Hard inquiry XXXX. 
This was not requested by me. I have tried to resolve this over the phone and was told to make a report.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I noticed charges to my checking account debit card that I didn't recognize. The first was for {$13.00} and later, three subsequent charges of {$47.00}. They were all end of the month charges that were from 4 different companies that looked very similar. I called the bank, CapitalOne and the amounts were temporarily credited to my account. I recieved an email from CapitalOne that the first two charges, {$13.00} and {$47.00}, were approved and the later two, {$47.00} each, were denied. I called CapitalOne again as I was confused as to why the first two transactions were found to be invalid but the last two were deemed legitimate. I asked to speak to the department that makes the discission or supervisor but I was told they are not available to speak with customers. They told me that they would send the documentation to me that was used to make the determination. The documentation from the merchants were identical with the exception of the company names. This is where I found the charges were for " XXXX XXXX. '' I called again to CapitalOne to tell them I disagreed. I was able to get them to re-submit my claim as I never recieved the " XXXX XXXX '' that I was billed for. I was temporarily credited the two {$47.00} charges. I recieved an email from CapitalOne that the resubmitted claim was being denied because I had already submitted a claim for these transactions. I called again. I was told that another claim would be sent in. I sent the card investigations department an email going over very thoughly why their determination was incorrect. They replied with the same documentation and noted they will not reply again.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

I can not remove a credit freeze on my EXPERIAN credit report. This problem has been going on for years. I have removed my freeze by phone. 
I have removed my freeze by computer. EXPERIAN states ( on their website ) that my credit freeze has been removed. My EXPERIAN login at their website says there is NO freeze on my credit information. Still, no companies can access my credit. Thus, I can not apply for any type of credit, I can not buy any service that requires a credit check though EXPERIAN. To obtain utility service in Florida I had to give the electric company a {$300.00} deposit. Now, XXXX can not check my credit to install internet. My credit score is over XXXX but I am paralyzed by this company. I can not reach anyone to talk to at EXPERIAN. I just get a go around phone tree. Ridiculous.
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Dear Sir or Madam : I am the owner of the account # : XXXX. 
The case ID for this claim is # XXXX. 
Date : XX/XX/2020 Amount : {$350.00} Ref # : XXXX Date : XX/XX/2020 Amount : {$50.00} Ref # : XXXX I did not make or authorize these transaction ( s ) that appear on my bank account. I reported the card as stolen they told me they were going to solve it and I immediately turned off the card using the Wells Fargo app on my phone. The problem is that since the claim was denied they have been charging me interest and late fees on something that was stolen from my card. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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. (NY)

On XX/XX/XXXX, I sent a package thru XXXX XXXX {$49.00} I asked for a copy of person receiving package in late XXXX and disputed the charge in Chase internal dispute action. 

XX/XX/XXXX, I never heard a reply from Chase as to evidence of delivery receipt as package has been misdelivered or stolen. 

I aksed for credit of my postage delivery for services not rendered. I received a credit in late XXXX and then in late XXXX Chase surreptiously rebilled purchase dated XX/XX/XXXX on XXXX statement without any explanation, copy of receipt I asked I urge Chase to re-credit me {$49.00} for this charge and again ask for any receipt as to where delivered or whereabouts of my package
Consumer complaint received 2022-10-16
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. (LA)

I XXXX XXXX did not authorize, benefit from, or consent to these inquiries and these arent mine, please block and delete them immediately! Ive also submitted and identity theft report with the ftc as well and tried to resolve this with a representative on the phone about 2 weeks ago and they are still on here, now Im giving you my express written consent to block and delete these account immediately!
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IL)

US BANK HAS FAILEDC TO REPORTMY ACCOUNT CORECTLY ON MY CREDIT REPORT federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days I WAS NOT GIVEN THE FULL180 DAYS.. 

PER THE CREDUT I WAS CURRENT IN XX/XX/2020 FROM XXXX TO XXXX WHEN US BANK CHARGES OFF MY ACCOUBT THATS NOT 180 DAYS
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TOTAL MORTGAGE SERVICES LLC (CT)

This company is nothing more than a " bait and switch ''. I contacted Total Mortgagein XXXX, CT to refi a mortgage currently held by XXXX XXXX XXXX. The loan offier is XXXX XXXX. My credit card was charged a processing fee of {$690.00}, which I was assured was simply a " HOLD '' on my card and would be removed once the loan was processed. The loan was processed on XXXX XXXX. The company refuses to credit the {$690.00} charge on my credit card. 
I paid {$460.00} for a home appraisal that was also included in their processing fees as part of closing. I was informed I would no longer be paying PMI. Exactly one day prior to closing I was informed I would still be paying PMI, however, it would now be included in my monthly payment.
Consumer complaint received 2018-11-26
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: EQUIFAX, INC. (VA)

I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I spoke to XXXX a small business supervisor spoken to around XXXX ; XXXX PST on XX/XX/XXXX. He stated that I wouldn't be receiving the {$750.00} bonus for the new account opening because I had received the bonus previously on the other account that was closed and opened in the year XXXX. He stated the bonus was posted automatically and eventhough given the circumstances was unable to manually adjust the bonus considering the misconception. XXXX also stated that it was a XXXX time bonus for the lifetime of a Bank of America business banking account. I received a new promotional email from Bank of America on XX/XX/XXXX about another {$750.00} bonus for opening a business checking account. In the terms it states that its " intended for new customers only '' Intended is misleading because why not state " New Customers Only '' Please make this right. Thank you.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

On XXXX 2021 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed in XXXX unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. Also one account marked chapter XXXX which is wrong. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

To whom it may concern, This debt was on my credit report in the past under another debt company " south west '' I continued to dispute this debt Its not my debt the utilities were being used by someone else after I left that apartment someone was stealing the electric so I was billed for it service was terminated. Now after disputing this several times it was off of my report so I'm like it's about time they believed me and fixed the issue so now it's back on my credit report under another name XXXX XXXX XXXX and once again here I find myself disputing it once more I want this rectified This company like the before mentioned company has no idea what happened and why I am adamant about not paying what I don't owe.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have 2 address added to my account that are not mine and they are, XXXX XXXX XXXX, XXXX XXXX Ny XXXX and XXXX XXXX  XXXX XXXX, XXXX ny XXXX. 
I also have credit cards and website information that are not mine as well like : XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those are all on equifax. 

And On XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   2x XXXX XXXX
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (LA)

At the beginning of XX/XX/2022 an account with XXXX XXXX was reported to the credit bureaus, this account was established in XXXX of XXXX. I have knowledge of this account. I contacted XXXX XXXX Customer Support at ( XXXX ) XXXX XX/XX/2022, I started calling to get information on this fraudulent account. I have been calling for almost a month and can't get anyone on the line. After the initial introduction on the automated call there is nothing but silence on the line, I than sat on hold for over 30 minutes multiple times over the course of a week and a half with never being to speak to someone. I found a contact email XXXX on XXXX XXXX  website XXXX but was told they couldn't give me any information because the email I was communicating from was on the account. I replied stating I have no Idea what email or phone number is on the account because I didn't start the account. I sent an email asking for validation of the debt to be sent to my home address but have yet to receive it. Calling into XXXX XXXX isn't getting me anywhere either which makes me feel like the company is a scam and does things like this all the time.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

on XXXX, I received an email from Experian stating that my disputes were complete and that I could log into my account and view the results. When I logged in, there were not results shown in the results section. Also, all disputes that I have been sending in state that I do not consent to online delivery of my results. They continue to ignore this statement. I am not sure what dispute this is because there are no results or information to cross reference to give me the date in which it was sent in. 

Also, they continue to show the same name on my report multiple times. If the name is the same as another name, then it should not be listed.
Consumer complaint received 2022-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (AR)

I took a loan forbearance due to Covid. I applied for assistance through the Arkansas Homeowners Assistance fund. I was approved in XX/XX/XXXX for funding. It took months and numerous contacts for the mortgage servicer to locate the form authorizing a wire transfer. Funding of {$16000.00} was wired on XX/XX/XXXX. It took weeks of calls and contacts for the servicer to " find '' the funding. The funding was posted on XX/XX/XXXX and did not start getting applied until XX/XX/XXXX. I have made numerous requests to have " fees '' now totaling {$260.00}, explained to me as well as a review of my escrow account. I have tried to figure it out by way of their website to no avail and got no response from the servicer. The mortgage payment amount they claim due is not accurate. By my calculations, tax {$860.00}, Insurance {$2100.00}, MIP {$120.00} for a total of {$3100.00} divided by 12 equals monthly escrow of XXXX plus P & I {$410.00} equals a monthly payment of {$670.00}. The application of the assistance funds is posted out of order and includes unapplied funds. No clarification of this has been provided by the servicer despite repeated requests to do so. I have another complaint, XXXX regarding credit reporting that I have been trying to get resolved since XXXX. They continue report inaccuratly and verify the information as accurate.