davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Incident occurred : XXXX XXXX of {$2000.00} Filed claim XXXX My personal account was closed and a chargeback have been issued on my account in the amount of {$2000.00}. The bank has closed my account and placed me in XXXX. 

My account has been targeted by fraud via debit card and I have told Bank of America this. They responded by informing me to trust them and that they will investigate and resolve the issue. They resolved it by reversing the credited account and closing when I refuse to pay for something I did not authorize nor do. I asked what did there investigation intel and they simply said someone couldnt possibly obtain your pin.
Consumer complaint received 2022-07-21
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/information below : XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXXXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (FL)

I order merchandise from XXXX. After reviewing all the customers reviews and trying to decide what size to order, XXXX sent the incorrect sizes, items received was nothing like the pictures shown, sizes were XXXX sizes which was extremely small. The shoes order was XXXX sizes and the wrong sizes, color. I disputed my transactions with chase for {$380.00} and received a letter of denial, chase took {$380.00} out my account and left my account on negative. I lost {$380.00} to merchandise, I cant use. Why is XXXX accepting these vendors from XXXX. The XXXX hair received had lice in the bundles, I reported all this to my bank, this is unbelievable, I am owed a refund of {$380.00} back to my bank account. After I received the merchandise, I was diagnosed with XXXX, I am convinced, with these XXXX vendors on XXXX selling in America, and sending incorrect items to America thats XXXX invested. I have proof that I cant even put my leg in any of the merchandise, everything was extremely too small. They were all XXXX sizes
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

Hello, Thanks for helping on this matter. 
I bought a phone from XXXX XXXX XXXX and I was told to returned back the phone within 2 weeks if I dont like the service. I returned this phones back in the space of XXXX because the service was bad. They took the phone back from me and offer to mail me a check for the taxes charged on the phone. They never mailed me the check and to my surprise I found out they report a total of XXXX  on my credit. Im so shock to see how bad they hurt my credit even though I didnt have the phone in my possession. Please kindly help me on this matter. I have starved to pay my credit card bills and I was sad to see XXXX XXXX XXXX trying to hurt my credit with this FALSE claims. I dont have their phone or use their service or owe this sum of XXXX   Please help me!! 
Thanks
Consumer complaint received 2018-04-23
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: JPMORGAN CHASE & CO. (GA)

XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I need this to be resolved ASAP
Consumer complaint received 2018-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (NM)

a fraudulent check was issued to XXXX XXXX XXXX in the amount of {$260.00} Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Current owner XXXX XXXX XXXX XXXX XXXX Trident Asset Management, LLC Acct # XXXX
Consumer complaint received 2019-03-20
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. (CO)

XXXX  ; XXXX  and Transunion are incorrectly reporting the coding on the XXXX  - account number XXXX. It is being reported as a code M5. There is a {$0.00} balance and {$0.00} past due on this account. This incorrect coding is harming my credit score and is a Fair Credit Reporting Act violation.
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

My 7/1 adjustable rate mortgage was transferred to NewRez Mortgage XX/XX/XXXX. The previous service provided adjusted my rate for the first time on XX/XX/XXXX up .75 % to to 4.5 % based on the original loan terms. The previous provider based their adjustments on the LIBOR index. 

I have called NewRez several times to understand how future rate adjustments could occur. Most mortgage market indexes have trended downward, NewRez has not responded to my inquir

y on 1. how rate adjustments occur? 2. what is the current state of adjustable rate mortgage? 3. how can I initiate a rate adjustment to lower my interest rate? 4. what in
dex does NewRez base it 7/1 Arms?

Please advise. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX RAN MY SOCIAL SECURITY NUMBER THROUGH A BANKRUPTCY DATABASE. MY SOCIAL SECURITY NUMBER MATCHED THE TAX ID NUMBER OF A BUSINESS THAT HAD BEEN IN BANKRUPTCY. XXXXXXXX XXXX REPORTED A BANKRUPTCY REMARK ON MY TRANSUNION CREDIT REPORT. NEITHER XXXX NOR TRANSUNION VERIFIED IF THE INFORMATION WAS ACCURATE. I HAVE DISPUTED THE REMARK TWO TIMES AND IT STILL IS NOT RESOLVED. XXXX DID SEND A LETTER TO ME ONXX/XX/XXXX SAYING THAT THEY HAVE NOTIFIED CREDIT REPORTING AGENCIES TO REMOVE THE REMARK. 
TRANSUNION INVESTIGATOIN LETTER CAME BACK TO ME ON XX/XX/XXXX. SAYING THEY VERIFIED ALL INFORMATION AND THEY LEFT THE REMARK ON MY REPORT. I ONLY HAVE THIS ISSUE WITH TRANSUNION, NO OTHER REPORTING AGENCIES. XXXX SHOULD NOT BE REPORTING FALSE INFORMATION AND TRANSUNION IS NOT ACCURATELY VERIFYING INFORMATION. A TAX ID NUMBER FROM A COMPANY SHOULD NEVER BE MISTAKEN FOR SOMEONE'S SOCIAL SECURITY NUMBER ... ..!!!!!!
Consumer complaint received 2022-06-13
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. (CA)

The Credit Bureaus stated my accounts were properly investigated Complaint ID : XXXX, but how is this be possible if the opening date is inaccurate, and the date last reported is not accurate. 
XXXX Funding Account # XXXX XXXX Funding Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX This is grounds for removal that also violated my rights under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. Also the Credit Bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2018-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (PA)

WayPoint is in clear violation of the Fair Debt Collection Practices Act. Section 1692G ( a ). WayPoint has sent me a dunning letter on XX/XX/XXXX. I requested validation of debt on XX/XX/XXXX. As of XX/XX/XXXX, WayPoint did not provide validation of debt, but still to reported the debt to all three credit bureaus in attempt to damage my credit worthiness. 

I have attach the copy of the letter that was sent via U.S. mail.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On or about XX/XX/2021 my wife and I separated. I was rendered XXXX and jobless and destitute by her actions. USAA Bank contacted me regarding the separation and the separation of our finances and other services. XXXX of XXXX my wife files for divorce. XXXX of XXXX my estranged wife intercepts my mail, withholds it from me, opens it and steals the IRS tax credit check of {$500.00} issued solely to me and mailed solely to me. I notify the bank when I receive notification of a deposit. My estranged wife had maintained an account with {$0.00} in it in both our names. I had tried to remove my name and or close it the previous may but was refused as she was the primary.My estranged wife had stolen my check, signed her name to it, and deposited it in the account via mobile deposit then immediately transferred it to a different account solely in her name. The bank essentially shrugged its shoulders and said there was nothing they could do.but i told them to remove my name on the account and do not cash or deposit anymore checks in my name on the account. My estranged wife repeated the crime again in XXXX, XXXX and XXXX despite my repeatedly notifying them that the checks were stolen and fraudulently deposited without my signature or permission.all told a total of {$2200.00} was stolen from me by my estranged wife despite my warning the bank and reporting it to the XXXX XXXX police department. I was told today that the bank will not be considering it to be fraud of any type and I don't have any recourse through them. My estranged step son works for the bank and I have absolute proof of the crimes. Yet they will do nothing to the criminal nor make me whole for the crime they were complicit in. This is wholly unacceptable as numerous laws as well as their own account rules and regulations were broken by my estranged wife 4 times. 3 times after I had given advanced warning it was occurring
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (SC)

I have contacted the collection agency on several occasions asking them to provide the itemized amount for charges that they are attempting to collect on. The collection agency is unable to provide the details and just say you know that you owe the balance forward amount. The collection associate offered a settlement of half the debt, then refused to work with me after I was able to come up with the amount that they asked for. I have tried to work out a settlement for part of the debt, only to be told no. This collection is preventing me from being able to find a place to rent, so I will have a place to live. I am currently XXXX and have to sleep at friends or family members places. The amount placed on my credit report is {$310000.00}. 

XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.
Consumer complaint received 2024-02-29
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. (NC)

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and In accordance with the fair credit reporting act, the list of accounts below has violated my federal Protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX # XXXX. XXXX XXXX  # XXXX has violated my rights 15 U.S.C 1681 section 602 A. State 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 15 U.S.C.1681c. ( a ) ( 5 ) section state no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which indicates the report by more than seven years
Consumer complaint received 2019-03-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (TX)

I had XXXX at XXXX Hospital XX/XX/XXXX and paid {$840.00} The total bill was {$10000.00} and my Insurance XXXX XXXX paid {$9000.00}. That leaves my with {$1000.00}. I paid already {$840.00} on XX/XX/XXXX. All i have left to pay is {$160.00}, confirmed by my Insurance. I tried multiple times to reach the Hospital to get this corrected but no luck. It was given to Capio Partners to Collect the debt of {$1000.00}.

Capio Partners added 2 Major Derogatory 's to my account on XX/XX/2019 and XX/XX/2019. 

I explained them the issue multiple times but they only transfer me to a mailbox and none is calling back.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
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 XXXX XXXX XXXX  If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research account I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this Capital One Bank USA N account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, delete, and blocked off my consumer credit report immediately
Consumer complaint received 2018-04-09
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. (LA)

XXXX XXXX XXXX XXXX has reported two different accounts on all three credit reporting agencies of which one account is completely FALSE!! They have one account stating that I have three different episodes of 30-60 times lates which they have verified that I dont.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Getting declined for an XXXX XXXX by XXXX XXXX XXXX XXXX for reasons that even any of the credit bureaus ' can not figure out and help me with it. There is a file of a copy of the letter attached to this FTC report.
Consumer complaint received 2022-06-13
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  the following accounts violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXXXXXX XXXX XXXXXXXX Georgia XXXX... I have previously disputed XXXX XXXX XXXXXXXX Georgia XXXX XXXX XX/XX/2017 with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately.