davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (GA)

Back on XX/XX/XXXX an unknown entity attempted to open a line of credit under my name. I contacted Chase bank regarding this matter immediately and averted an issue. However Chase Bank was reflected on my credit report via XXXX and XXXX as a hard inquiry. Chase stated they would resolve the matter, but it takes them 5 days to submit and the reporting agency up to 90s to resolve.

Flash forward several months and no resolution, I called Chase back on XX/XX/XXXX and they stated someone on there team neglected to finish the submission, again it will take 5 days for them plus an additional 90 days. XXXX at Chase provided me the following reference number XXXX, on XX/XX/XXXX I received a letter from Chase stating they addressed it with the Credit reporting agencies and again it would take 5 days for them to address and the Reporting agencies another 90 days, Flash forward XX/XX/XXXX and the matter is still unresolved. I called Chase and they stated its the Agencies fault, I called both Agencies and they state it's chases issue. 

Reality I could care less who is at fault I just want it fixed, a year has passed and neither the bank or the agencies have resolved a problem that I have to clean up and the unfortunate recipient of Fraud. I am fairly certain there are laws to protect people like me from activities of this nature, as well as the negligence of the bank and agencies. 

As stated a year has come and gone, and the agencies and the bank are pointing fingers at each other and making empty promises.
Consumer complaint received 2024-03-05
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. (SC)

I XXXX XXXX is writing this letter because of a debt that was placed on my credit profile by XXXX XXXX XXXX ( XXXX XXXX XXXX. I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.

Per consumer law 15 U.S. Code 1692g - Validation of debts- If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.
Consumer complaint received 2021-09-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Back on XX/XX/XXXX an unknown entity attempted to open a line of credit under my name. I contacted XXXX XXXX  regarding this matter immediately and averted an issue. However XXXX XXXX  was reflected on my credit report via XXXX and Experian as a hard inquiry. XXXX stated they would resolve the matter, but it takes them 5 days to submit and the reporting agency up to 90s to resolve. 

Flash forward several months and no resolution, I called XXXX back on XX/XX/XXXX and they stated someone on there team neglected to finish the submission, again it will take 5 days for them plus an additional 90 days. XXXX at XXXX provided me the following reference number XXXX, on XX/XX/XXXX I received a letter from XXXX stating they addressed it with the Credit reporting agencies and again it would take 5 days for them to address and the Reporting agencies another 90 days, Flash forward XX/XX/XXXX and the matter is still unresolved. I called XXXX and they stated its the Agencies fault, I called both Agencies and they state it's chases issue. 

Reality I could care less who is at fault I just want it fixed, a year has passed and neither the bank or the agencies have resolved a problem that I have to clean up and the unfortunate recipient of Fraud. I am fairly certain there are laws to protect people like me from activities of this nature, as well as the negligence of the bank and agencies. 

As stated a year has come and gone, and the agencies and the bank are pointing fingers at each other and making empty promises.
Consumer complaint received 2023-02-10
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. (TX)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-10
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: Fidelity National Information Services, Inc. (FNIS) (MS)

I BEEN CONTACTING CHEX SYSTEM ABOUT THESE FRAUD 5 BANK ACCOUNTS FROM XXXX XXXX XXXX XXXX .I SENT IN DOCUMENTS TO HAVE THEM REMOVE BUT THEY NEVER REMOVE THEM. THEY EMPLOYEE HAVE LIED TO ME SEVERAL TIME ABOUT COMPUTER DATA ISSUE BUT IM STUCK WITH THESE ACCOUNTS ON MY FILE AND ITS EFFECTING MY LIVELYHOOD AND MY FAMILY.
Consumer complaint received 2021-07-22
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)

On XX/XX/2021 and again on XX/XX/2021 I sent letters to Experian XXXX and XXXX concerning a PAID in full charge off that still reports as a negative on my credit report. I provided the agencies with the receipt letter and information. The letter sent asked that the credit reporting agency Remove the PAID in full charge off from my credit report. XXXX complied and Removed the Charge Off from my XXXX report. After several phone calls and the additional letters, Experian and XXXX has refused to remove the Charge Off. I will attach the receipt and XX/XX/2021 letter.
Consumer complaint received 2021-03-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/20 my cards were stolen. 

I have two police reports. 
XXXX XXXX XXXX XXXX XXXX My personal debit card was charged for {$1500.00} @ target. My bank covered me with information supplied. 

Bank of America was given the same information. They have denied the fraud charge after three attempts to reopen. This is {$53.00}. It's a matter of principle. 

We have a target card that we receive a 5 % discount so we don't use other cards there. 

The last attempt was three days ago when we were promised a call from a fraud manager within 24 hours. No call.
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (NY)

Approximately 1 year ago my personal computer at home was hacked when I was trying to set up a new XXXX printer. The person that i was speaking with tried to sell me some security software for over XXXX. I declined. He did assist in setting up the printer -as soon as I tried to set up the printer a number poped up on my screen and said to call for further assistance. I called the number- he did assist by taking over my computer and I thought it was XXXX ... .during the call he offered me t his software for over XXXX I declined. several days later my back account at XXXX XXXX XXXX XXXX was hacked for several hundred dollars. I was able to close that account and did get my money back. Several months later I received a letter from a collection agency ( I no longer have the letter XXXX stating that I owed XXXX XXXX. I contacted XXXX via email as they don't have a contact number. I was told that someone purchased something for XXXX and when they tried to collect that money from me- my checking account had been cancelled. So they sent me to a collection agency for XXXX they advised me to contact the company where the fraud person purchased something- I tried to locate that company and that was Fraud also. I contacted the Credit Agency and the gentleman was very nice said I am going to send this back to XXXX and tell them it is fraud. So I figured it was taken care of. Now I have received another letter from a collection agency called Dynamic Recovery Solutoins XXXX XXXX XXXX. XXXX, SC for the same XXXX XXXX  debt. I contacted them and they told me I had to file a police report which I did today. This is fraud. I do not use XXXX anymore and I never purchased anyting for XXXX from them
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

National Credit Systems is reporting a collection account on my credit report. I have reached out to them directly requesting validation of this debt and they have ignored my request. I am pretty sure per the consumer laws that it is illegal to ignore a consumers request to dispute an account and I am demanding that this account is deleted from my reports.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (GA)

Ally bank restricted my emails in XXXX pay out of no reason. I have tried to contact them to know the reason and get this resolved. They are just impossible to work with. It took them days and still not know where the problem is. Worst bank ever. Their customer support is basically useless, kept transferring me here and there. I can't not even remove my email on their website. Now my emails are completely blocked by XXXX pay. Email is my personal property. I don't think it's legal for Ally Bank restricts and holds my emails.
Consumer complaint received 2023-02-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

i have made several attemps by sending dispute letters to all XXXX credit bureaus regarding enquiries and negative items on my credit reports. As of today XX/XX/2023 most of these accounts and enquiries are still showing on my credit report. Please remove them asap. I am having difficulties accessing any funding or even getting a job because of this issue. 

I need these companies to remove their accounts from my credit report immediately : XXXX XXXX XXXX XXXX the amount of {$46000.00} XXXX XXXX XXXX  in the amount of {$18000.00} XXXX XXXX XXXX. closed account XXXX XXXX XXXX XXXX XXXX- charged off XXXX XXXX XXXX. closed account XXXX All XXXX XXXX XXXX XXXX XXXXXXXX loans accounts for {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} And also the enquiries on my credit report aswell, transunion deleted  theirs but the other XXXX bureus did not. 

thank you
Consumer complaint received 2019-05-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SRA Associates, Inc. (NC)

In a letter to XXXX XXXX XXXX, dated XX/XX/2019, I specifically requested proof of the alleged debt and the complete account history for the derogatory information this company is currently reporting to the credit bureaus. XXXX XXXX XXXX failed to provide me with the information I requested. Instead, I received an offer for settlement from SRA Associates LLC. Secondly, I specifically requested a contract or other instrument bearing my signature proving I was legally obligated to pay this debt and that it was my account. The company failed to provide this information as well. Without a signed contract or other instrument bearing my signature that created this debt, the company failed to provide me with proof that I am legal owner of this debt. Thirdly, your company failed to provide proof that it is a legal business, authorized to do business in the State of North Carolina. I am submitting this complaint because I am concerned that both businesses, XXXX XXXX XXXX and SRA Associates LLC are in violation of the FRCA by reporting inaccurate information to the credit bureaus and are engaging in fraudulent debt collection practices. Under 812 of the FCRA, furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe both companies are engaging in deceptive practices because both companies are attempting to collect the same alleged debt. In addition, neither company has provided me with proof or verification of the debt. According to 1692e, [ a ] debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of any debt. 

This company is engaging in unfair and potentially fraudulent debt collection practices, and company has failed to provide me with proof that I have a legal obligation to pay their company. I am filing this complaint as a last ditch effort to resolve this issue before I pursue litigation in accordance with the FCRA, as I will be enforced to seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617, due to the company 's willful and negligent noncompliance.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

Tuesday XX/XX/XXXX. 

I attempted to use the Citi website in order to process a payment towards a credit card but was unable to do so. There was an error on the site for one card but not for another. 

Unfortunately this has become a pattern with Citi where there are frequent and lengthy issues with applying payments to cards, making it difficult to process payments in a timely manner, which has made it painfully difficult to keep current on payments. 

Almost every month when I attempt to make a payment it will take 2-3 tries over the course of as many days to accomplish this goal.
Consumer complaint received 2018-05-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo failed to produce the XX/XX/XXXX DENIAL LETTER for a re-finance application. 

On XX/XX/XXXX, Wells Fargo mailed me an incomplete submittal of information that explained how they dealt with an improper HOA lien filed against my property yet failed to inform as to why my application was denied. Resolution on account number : XXXX, VA home loan. 

Today, XX/XX/XXXX, the Wells Fargo loan servicing department admitted this submittal did not contain the denial letter yet continued to declare it was " lost '' and was no where to be found. It can not be retrieved and WF is unwilling to replicate this denial letter. 

Former Wells Fargo loan officer that handled this transaction was XXXX XXXX, Vice President I Loan Officer NMLS # XXXX Office ( XXXX ) XXXX Cell ( XXXX ) XXXX | F : ( XXXX ) XXXX | XXXX XXXX I authorized communications for my attorney to be included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Ph : XXXX Fax : XXXX Email : XXXX Web : XXXX Disclaimer This e-mail is intended to constitute an electronic communication within the meaning of the Electronic Communications Act, 18 U.S.C. 2510. This communication may contain confidential, proprietary, or legally privileged information and is transmitted for the sole viewing and use of the intended recipient. Any review or distribution to other recipients is not permitted and does not waive the confidential or privileged nature of the communication. If you receive this message in error, please immediately delete it and notify the sender.
Consumer complaint received 2023-02-10
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: Global Lending Services LLC (FL)

I reached to Global Lending Services about an Auto Loan that is reporting to the CRAs and asked them to provide validation that this debt is mine. Global Lending Services responded back with a copy of a car contract, a copy of the payment history, and according to federal law that does not fulfill a validation of debt. In order for Global Lending Services to provide a copy of the car contract, the contract has to not only be my signature but their signature as well. Which they don't have it. My debt validation is me telling Global Lending Services to provide all documentation they have on file, to provide how they investigated, and proof of that investigation. Global Lending Services are still reporting to the CRAs and I have sent in several CEASE and DESIST letters for the to stop all communication while they provide me Validation of this debt.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

This is my 10th attempt reaching out to someone about my account being restricted for more than 60 days which i was told it would be restricted for 60 days.

I've received a letter from XXXX stating she has my request but no progress has been made on my account or nor has anyone contacted me prior to all the information I've submitted proving I had my business for a little over 2 years. I've submitted several emails and I am just getting nothing with my account being frozen I am mentally frustrated and drained. This has cost me to lose out on my business and my personal life as well. I am now moving forward to take legal action against capital one. I have received several letters in the mail about claims I've submitted back in XXXX after doing my research capital one has wrongfully restricted my account and has tried to make it seem as I was doing fraud.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 2019-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Earlier in the year I was notified that my FICO score had dropped by 80 points. I investigated and TransUnion informed me that it was because of a collection issued. I opened a dispute because the collection was for an electricity bill in North Carolina and I dont live there, eventually I realized that it was for an investment property I own and the bill was for when the property was vacant. I paid the full amount after I called the collection agency and I told them that I was never notified. When I asked them what address they used to mail me they told me that instead of NH they had NC as the state I live in Do the bill never reached from neither XXXX XXXX or anyone. I opened a new dispute with transunion telling them that the amount should have never come for collection because I was never notified. after they completed the investigation on XX/XX/24 ( file number XXXX ) they did not make any correction as their investigation did not ask anything about the address and what I told them to look into. 

The bottom line is that my credit score has suffered tremendously for XXXX USD that I would have never had a problem to pay if I was aware of my debt, and neither the credit bureau, nor the collection agency or XXXX XXXX have been willing to help and make this right. 

I have never had a defaulted payment and I wont accept this situation hurt a great credit history. 

Thank you XXXX XXXX