davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted Transunion & XXXX several time to dispute the following information in my credit reports. 
XXXX XXXX XXXX XXXX  AMOUNT - {$940.00} This item by Original Creditor : XXXX XXXX, a utility provider in the state of Illinois  placed to collections : XXXX XXXX XXXX is inaccurate because I HAVE NEVER LIVED in the state of ILLINOIS. 
It first appeared back in 2017 on my credit report under XXXX   XXXX. I disputed it immediately with Transunion providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after 2 years with a different collection agency ( mentioned above ). It is frustrating that I have to waste my time & energy again to take care of this. Both XXXX  & Transunion are not willing to help remove it. It is causing a negative impact on my credit score and the home mortgage rates. 

To substantiate my claim I am attaching the following documents which I had already sent to XXXX & Transunion 1. Addresses listed of all my credit reports 2. Most recent utility bill as address proof 3. Original Lease documents for the current residence in CA  4. Most recent utility bill I would greatly appreciate if CFPB can help me in resolving this issue.
Consumer complaint received 2019-06-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Placement Services, LLC (WI)

XXXX and Professional Placement collector agency are reporting a wrong amount due in a account that they buy from XXXX  XXXX, several weeks I been try to make XXXX to remove the collection from my credit due to inaccuracy but what they do instead is contact the agency ask for the update balance and knowing that the collector is not reporting my payments and the amount that they have is not correct, XXXX  solve to keep damaging my credit and do not removed the inaccuracy account as I been asking. 
I file the same despute with the other credit agencies and they solve to remove the account. I call the collector but they want the total amount they give me hard time accepting the partial payment, I need that account out of my credit because is illegal.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in XX/XX/2019 XXXX XXXX sold my mortgage of 20 years to XXXX/XXXX/XXXX XXXX XXXX   .resulting in catastrophic results to my credit scores! XXXX XXXX insist they have reported to all of the credit bureaus in which XXXX  and XXXX ARE showing up after 3 months ... but as of XX/XX/XXXX Trans Union DOES NOT SHOW A CURRENT MORTGAGE on my account ( Distorting my credit score by 50 points ) ..I have spent hours on the phone with XXXX XXXX AND Trans union without a solution to this problem ..i am turning to CFPB as a last resort before retaining Legal counsel.
Consumer complaint received 2019-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2019, I reported to Chase Bank that two fraudulent transactions occurred that day on my debit card. The card had been issued within the prior 2 weeks as a replacement for a card that was expiring. The claim number for the fraudulent transaction that Chase refuses to resolve appropriately is XXXX. This was supposedly researched by Chase Bank who indicated that they found that the transaction was " processed correctly or was authorized ''. I received notification of this decision via a later dated XX/XX/2019. I called Chase Bank at XXXX on XX/XX/2019 at XXXX XXXX   and spoke with XXXX until XXXX at which time the call was escalated to XXXX. At XXXX I requested further escalation, which was denied. Last names were never provided by either customer service agent. I requested that the " verification '' obtained be provided to me and was told that they can not email or fax the verification. I was told verbally that the transaction was mailed to a XXXX XXXX   in XXXX, CA which is someone I've never met. I was given a USPS shipping number of XXXX, which confirms delivery in XXXX, CA which is approximately 1,000 miles from my home. I asked XXXX how this " verifies '' that I made the purchase and she informed me that it is my responsibility to prove that it wasn't mine. She repeatedly refused to escalate my call to a superior and indicated that she will not refund my money. As such I am requesting assistance from Federal resources tasked with supervising banking activities. Given the unwillingness of Chase Bank to properly address this issue, I am requesting maximal penalties be levied against the bank and a demand notification be sent to the bank for reimbursement of my fraudulently debited resources as well as punitive damages as seen fit. Copies of this request are being transmitted to CFPB, FTC, as well as XXXX XXXX, president of Chase Bank.
Consumer complaint received 2022-12-14
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: TRUIST FINANCIAL CORPORATION (FL)

I have been a victim of identity theft and a Suntrust fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Consumer complaint received 2019-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

We have owned this property 14 years, but recently our equity line mortgage payment went from XXXX a month to over XXXX a month. Mind you we don't qualify for this XXXX increase, nor were we informed that it would increase that much, nor have we been offered any help by Suntrust to resolve this issue. To help on the mortgage side, XXXX did a loan modification for us and took our 1st mortgage from XXXX to XXXX which is a completely reasonable thing to do. Suntrust is trying to foreclose on the property rather than help us, by jacking up the rate over XXXX which took our total mortgage payment from XXXX a month to XXXX a month! Then they tried to get in first position instead of in the HELOC position by tacking on junk fees and late fees so that our second mortgage is owes more than our first mortgage, which would put them in place to be fully paid in the event of foreclosure. DIRTY POOL. I submitted a loan modification to them over 6 months ago, yes, 6 months. And they keep giving me the run around. Well, you are only 2 months behind so we can't help you. You need to be 3 months behind, but no more than 120 days behind. Oh, sorry now you are 121 days late, so now we can't help you again unless you pay another month to be 3 months behind, but not 4 months behind. Absolutely and positively ridiculous game they play. In XX/XX/XXXX I paid 2 months, to try and catch up, so this month I log in and they have tacked on more junk fees. This company is the world 's worst bank, and you need to shut them down. XXXX is in bankruptcy, but at least they are decent about it. I asked Suntrust to provide proof that our loan went into acceleration and they have yet to provide one single document showing that they have the right to take our loan from {$400.00} a month to {$1100.00} a month. Even the NC XXXX XXXX company stepped in to try and help us, but the junk fees that Suntrust keeps tacking on to our account, keeps our account constantly in arrears. I would like to 1 ) have proof that this is legal 2 ) find out why it has taken 6 months to get our loan modified ( XXXX did ours in a week ) 3 ) reprimand Suntrust for conduct unbecoming of a federally insured government entity.
Consumer complaint received 2019-06-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (NC)

I received a loan in the amount of XXXX from spotloan on XX/XX/2019. Since then I have been making biweekly payments in the amount of XXXX. To date I have already paid them around 1000.00, and In checking their website is says my payoff amount is XXXX. That would be almost 2000.00 I paid to recieve XXXX. I have contacted them to see if there is some type of settlement that they would accept, but havent heard from them yet.
Consumer complaint received 2023-05-04
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. (NC)

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 

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 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.
Consumer complaint received 2020-09-25
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. (MA)

On XXXX i submitted a dispute of a collection account that appeared out of nowhere with the name XXXX XXXX XXXX via Equifax with confirmation # XXXX. On images attached you will see that dispute is still categorized as " under investigation '' but it is day 33 already and counting. It is clear that Equifax are in violation of my rights as a consumer and am requesting legal action for this account to be removed immediately from Equifax and all other credit reporting agencies such as XXXX and XXXX.
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

Fraud Charge was made to my Citibank msatercard for 2nd time  in 2 years card number XXXX. 

Citibank staff is leaking my password to unknown people who are using my card fraudulently and using for unauthorized online transactions. 

XXXX usd declined online purchase on my card for merchant XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 
If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
Consumer complaint received 2021-10-15
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. (VA)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 710. XXXX has me at a score around XXXX That is a huge difference XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-11-16
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. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies 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 2022-07-20
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. (PA)

upon revieing my credit report to try to obtain a rental property i noticed that there were numerous items on my report that did not belong to me. XXXX acount # XXXX for {$84.00}, XXXX account # XXXX for {$98.00} and XXXX XXXX account # XXXX for {$830.00}. Theses account are not mine and do not belong to me i have never had these acoounts before. I have also made a report with identitytheft .gov report # XXXX please remove these account from my credit report immediately.
Consumer complaint received 2021-06-11
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: Experian Information Solutions Inc. (AZ)

I submitted to Experian my dispute of the below account not being mine. I requested it to be investigated and no action has been taken. I have submitted two letters requesting status of investigate. My original letter was sent XXXX, XXXX 2021. With no response. 

These are not mine and i am requesting removal of these listed accounts XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (NY)

Please delete the account from my credit report for all 3 bureaus ( XXXX, XXXX and XXXX ). Contract Callers inc added derogatory marks on my credit file the amount was {$760.00}. I initially disputed it in XXXX as fraud I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. 
Fast forward to XX/XX/XXXX you are still negatively affecting my credit report. IF THE ACCOUNT IS NOT DELETED, I WILL BE FORCED TO CONTACT THE XXXX AND LEGAL COUNSEL TO FILE SUIT.
Consumer complaint received 2019-06-20
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. (OH)

The XXXX account was settled as a class action lawsuit. Which I was apart of and the account is still on my credit report. Which it should have been deleted. Not only because of the class action lawsuit but because its been over 7 years. This is a XXXX up I have sent supporting documents to all credit bureaus on XX/XX/2019 and this XXXX is still on my report I want it off ASAP.
Consumer complaint received 2023-05-03
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. (NY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have contacted all three credit bureaus repeatedly regarding two accounts one being XXXX XXXX XXXX XXXX the other being XXXX XXXX XXXX that display on all three of my credit reports. They are both unverified and not validated but yet they remain on XXXX TransUnion, and XXXX. I have disputed these accounts several times for the past 3-4 months and can not get any resolve. These accounts being listed has had a SEVERE impact on all three of my credit reports and they must be corrected and taken off IMMEDIATELY.  I have requested verification and validation several times and received no validating evidence. You are required under the FCRA to have properly verified each and every account listed on my credit reports. I asked for the name of the person from both companies you consulted with, what were the documents used to verify these accounts and where are these such documents, and to provide me with the phone number of the person and/or business address that supposedly verified these accounts as accurate. Still to this day XXXX, XXXX and TransUnion have not supplied that information.Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

I currently have the Target-REDcard under MasterCard. I had my account under autopay and I recently changed my bank account. I forgot to update the banking information as an honest human mistake. Target was unable to obtain a payment from the autopay and funds were returned. I incurred a Return Fee. As soon as I was notified of the issue I login into my account updated my information and submitted a payment. I called Target to let them know I had made a payment and wanted to get a refund for the fee incurred as well upset my autopay. The website was not allowing to process the autopay because its was listed as a delinquent account. I try to rectify the issue as most credit cards have no problem refunding a fee. This is the first fee I have incurred and my account has always been up to date. Why am I not able to get a refund on the fee?
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

The Santander account was settled as a class action lawsuit. Which I was apart of and the account is still on my credit report. Which it should have been deleted. Not only because of the class action lawsuit but because its been over 7 years. This is a screw up I have sent supporting documents to all credit bureaus on XX/XX/2019 and this crap is still on my report I want it off ASAP.