davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc. (CA)

My complaint was directly with the credit bureaus who have my address and should have confirmed that the bill in question has a different address than mine, but across the street. 
My previous address was XXXX XXXX XXXX, XXXX. IL XXXX and the bill was addressed to XXXX XXXX XXXX, XXXX, IL XXXX. I want this bill resolved and removed from my credit file. 
The bill is a whopping {$2700.00}!
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (IN)

This is my third time filing a complaint about this credit reporting agency and no one has taken any action to correct the violations that have occurred. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should NOT be included on a consumer report. However my Experian consumer report is currently showing 25 accounts in the account summary section where I have received an authorization or approval of an extension of credit. Federal law prohibits Experian from including these extensions of credit on my consumer report. Those in positions of authority at Experian have failed to comply with the FCRA and as a result Experian is in violation of federal law. Experian has no control or authority of natural persons and their consumer reports. Pursuant to 15 USC 1681 ( a ) ( 2 ) Congress has made it clear that credit reporting agencies are elaborate mechanisms. Pursuant to 15 USC 1681 ( a ) ( 3 ) Experian was not given the role of compiling and reporting information on consumers they assumed that role and their assumption has negatively affected my life by violating my right to privacy. Experian has a grave responsibility to respect my right to privacy as a consumer pursuant to 15 USC 1681 ( a ) ( 4 ). I am demanding that Experian delete all 25 accounts where I have received an authorization or approval of an extension of credit.
Consumer complaint received 2022-12-15
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)

Hello, my name is XXXX XXXX and I am filing this letter because I am a victim of identity theft and have not made the changes on this date XXXX. There are FRAUDULENT ACCOUNTS AND INQUIRIES ON MY ACCOUNT AND I NEED THEM DELETED IMMEDIATELY. I have made my identity theft report to the federal trade commission, CFPB, and XXXX. All of the following accounts listed under are fraudulent and going against my CONSUMER RIGHTS BY VIOLATING MY PRIVACY TO MULTIPLE COLLECTION COMPANIES. PLEASE DELETE THIS MISLEADING INFORMATION ASAP!
Consumer complaint received 2022-01-26
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)

TransUnion has reported invalidate debt on my credit report the debtor has failed to produce validation of the debt. I requested them to investigate they failed to do so. I've sent out debt validation letters I have yet to receive a response
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (DE)

This all began in XXXX of XXXX when I received a call from someone asking for my address, last name, last four of my social my first thought was scam and ask for their communication in writing. I guess they didnt like my answer because I received two letters in XXXX one confirming my contact information and one telling me of a missed payment and I would be in foreclosure, real friendly. 
Upon receiving this letter, I called and spoke with an agent, he informed me that my payment which I send electronically every month was being held because the escrow was short {$12.00} dollars and was never communicated in any letter, so technically my mortgage was paid only the escrow was short which fluctuates from year to year. We then talked about how to correct the problem. He explains that all I needed to do was pay the balance owed and adjust my monthly payments and we did, isnt that recorded! 
In XXXX of XXXX I started looking into a XXXX to do some home improvements and investment opportunity only to find out there was a derogatory remark against my credit from Carrington Mortgage LLC saying I was one month late which has devastating financial consequences for borrowers, leading to high interest rates, and being declined for loans, investment or otherwise.

Once again, I called Carrington Mortgage LLC thinking this would be a just a customer service issue, boy was I wrong. All I got from Carrington was human robotic from XXXX # XXXX supervisor then she passes me off to another suppose supervisor XXXX # XXXX who had no more to say and do no more than she did, which lead me to file this complaint.
Consumer complaint received 2022-01-26
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. (CO)

I have disputed and requested Experian to remove & delete accounts that do not belong to me. I have not received a debt of validation and their method of verification on the questioned account is listed below. 

- XXXX XXXX XXXX
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Their are two incorrect accounts that are reporting on my credit reports, that impacting me poorly. 

XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00}
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SUNTRUST BANKS, INC. (FL)

Suntrust Credit Card Purchased some coffee & breakfast at XXXX on XX/XX/19. The breakfast supposed to include eggs with steak & bacon. There was a very small amount of steak ( no a small portion, it was like 2 pieces of " square piece of meat ) and no bacon. 
It appeared i received some other persons order. 
I contacted XXXX by email the same day, and other then the standard we have received your email reply, i have not had any further contact with anyone from XXXX. 

On XX/XX/19 i tried to dispute part of my order with my credit card company. I couldn't find an online option to dispute the charge. 
I called the credit card company, and was told i have to work it out with the merchant. 

I directly ask the rep, if all a merchant has to do i to ignore my emails or calls, and they'll get away with charging me for something i did not get, and the reps reply was " Yes ''. 
Where is the protection for customers?
Consumer complaint received 2022-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

My ex husband fill out for a credit card under my name. They are saying that I filled the information out. Capital one states I filled out for it but I didn't not. I only have one capital one account it is the one in the past 2 years.
Consumer complaint received 2020-02-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC. (KS)

Over the last several weeks I've been trying to get a refund of a {$30.00} fee that the bank has unethically taken from my account. During this time I have spent many hours on the phone with multiple supervisors who have been unable/unwilling to help. Constantly trying to push me off the phone with no resolution, or one who inevitably hung up on me on the morning of XX/XX/2020. 

All I need is a simple issue resolved, but due to the banks online only nature there is no physical location I can walk into. I'm hoping this complaint will get me in contact with someone who can actually help me. All I need is someone with the authority to actually fix this issue. PLEASE!
Consumer complaint received 2022-12-01
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. (MD)

I filed multiple disputes for the same account with Experian credit report. The account was verified as correct after submitting numerous disputes with documents to prove the account is incorrect. The final dispute was submitted on XXXX XXXX, and it was verified as correct on XX/XX/XXXX. The account was disputed as follows : XXXX XXXX XXXX XXXX  XXXX Date verified : XX/XX/XXXX Incorrect : XXXX  : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Please update or remove. The account was included in a bankruptcy filed on XX/XX/XXXX and discharged. I have submitted the discharge order to Experian Credit Bureau. XXXX and XXXX Credit Bureaus are reporting a XXXX balance without a charge-off. The account should not show a balance or charge-off because the debt was discharged in bankruptcy. Also, the account is showing a open discharge since XX/XX/XXXX. The bankruptcy is over XXXX XXXX XXXX and I am not able to establish more credit or apply for a mortgage with a balance and charge-off on my credit report. I am submitting all supporting documents with this complaint.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc (OR)

On or about XX/XX/2019, the consumer disputed an alleged debt with Ad Astra for an alleged payday loan made around early 2019 of the same year at XXXX store number XXXX in XXXX Oregon. The consumer has no knowledge of this debt, is not admitting to any debts and has no current or previous business relationships with this entity or the collections agency representing XXXX. Ad Astra failed to mail a debt verification letter and instead sent the same collections statement. The consumer is demanding the original promissory note or a copy thereof including the full loan terms, conditions and all associated statements and administrative remarks on the account. The consumer is unable to verify the debt and therefore is claiming that this is an invalid and illegitimate debt.
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PROSPERITY BANCSHARES, INC. (TX)

Since my initial contact with Prosperity Bank dba XXXX XXXX  & Mrs. XXXX XXXX in XX/XX/2019, I had let it be known that I would be using any and all proceeds from the sale of my previous home to put down on the purchase of my new home, making the loan needed as small as possible and making my monthly mortgage payment lower. I was sent a loan estimate on XX/XX/XXXX showing that my loan would be for {$140000.00} and {$82000.00} would be my cash to close, including closing costs with a closing date of XX/XX/XXXX. See attachment # 1, XXXX. 

On XX/XX/XXXX, three days before my closing date, I was informed by Mrs. XXXX that my loan was being changed to an amount of {$170000.00}. My cash to close had been lowered to {$51000.00}. See attachment # 2, XXXX. I asked her why this was happening. She responded with the question " Have you made any plans for your future? '' or something to that effect. She then began to sell me on investing services and financial planning through XXXX XXXX XXXX. An email from Mrs. XXXX referencing this is attached as XXXX. She wanted me to take the money I had previously stated that was to go toward the purchase of my home and use it on some investments I had never inquired about or even desired. I also think it is obvious that she did this to get a bigger commission for this transaction by making me agree to a bigger loan. XXXX  XXXX will also make more when they sell the bigger loan to another financier. 

At this point I had three previous home purchases fall thru for various reasons starting back in XX/XX/2019. I had already made plans to vacate my temporary residence and had called my moving service to deliver my belongings at my new address and requested time off from work when the unwanted change in the loan was presented to me. I was anxious to get into a home of my own and use my belongings that had been in storage for the better part of a year. I believe she timed this change to take advantage of the situation and coerce me to agree to a loan I otherwise wouldn't.
Consumer complaint received 2020-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I sent money over to to XXXX XXXX for a lease exchange. I was to sublet an apartment and sent over {$1600.00} for security for the apartment. This was broken up into two separate payments sent to him through XXXX via my Bank of America account. 
XX/XX/XXXX - {$820.00} XX/XX/XXXX - {$820.00} The sublease turned out to be unauthorized, XXXX XXXX owed back rent and was specifically told he was not allowed to sublet the apartment. After contacting XXXX to send my money back and that I was aware of his scam I was blocked everywhere from contacting him. Immediately after finding out this was the case I contacted Bank XXXXf America on XX/XX/XXXX to see what could be down to get my money refunded to me. I was told that of course they would be able to help since I was a victim of fraud but the XXXX team was unavailable on the weekend so to please call back on Monday. I called back on Monday XX/XX/XXXX and spoke with two different people at Bank of America who told me two vastly different things. One told me they would be able to fill out a scam report and file a complaint with XXXX in order to try to get funds back to me on their end and that I should file a complaint with the Internet Complaint Center which I did. Another told me there was not anything that could be done since I authorized the transaction.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

I applied for the Southwest Airlines Chase credit card with the promotional terms stated at the bottom of the screen. Promotion was for a {$200.00} statement credit after first purchase at Southwest Airlines ( I even took a screen shot of the website ). I would not have applied if it wouldn't had been for the offer. The card did clearly state that it also had a annual fee of {$69.00}. Because of this, I was not going to get the card but with the statement credit, I figured it would pay for itself. After contacting Chase in regards to this, they stated that they put a different promotional offer on my account that did not include the statement credit. So on top of not getting the credit, I also have to pay for the fee. I have contacted Chase 3 times in regards to this issue and they refuse to work with me and finally told me to not contact them about this issue again.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I hope youre doing well. I have an existing XXXX XXXX Spend and Savings account. XXXX XXXX always tries to push the XXXX XXXX XXXX XXXX on their customers. I received an email from XXXX XXXX XXXX XXXX that, I had a line of credit of {$1000.00} to use. They would take {$10.00} up to {$80.00} to pay towards any of the {$1000.00} credit I used. I didnt like how the XXXX XXXX XXXX account was set up or how it worked. I called their customer service department several times to understand how I thought the program worked.. I needed this to make since as to how having this account would be beneficial to me. I could never get a concrete explanation that made me feel comfortable as a consumer. So, I verbally cancelled this XXXX XXXX XXXX account on XX/XX/XXXX. I then followed up with an email to the XXXX XXXX XXXX XXXX customer Service Department. I just noticed on my Transunion, XXXX and XXXX credit reports that XXXX XXXX reported my account as a charge off. This is a false statement. I closed the account. They didnt close my account. After closing the account, I was just reimbursed the {$10.00} on XX/XX/XXXX that was set to be sent back to me 7 days after closing the account. The fee from this account took longer to be reimbursed back to me. Please delete the false account indicating I defaulted. This isnt true. I have the proof to support my concerns. I wasnt in default. They didnt close this account. I did. I have sent you the proof.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (CA)

I have a prepaid card from Transact ( NetSpend ) and have used them for about 10 years without a problem. On XX/XX/2022 I went to access my account and was told my account was locked and that I would have to submit a bunch of documents to prove my identity which I have done. They emailed me saying my documentation wasn't good enough and that I would have to send more. When I access my account thru my phone I use my fingerprint scanner and asked them why that wasn't good enough. I mean how can they really verify who I am by me sending documents when the have never met me were as somebody would have to have taken my finger to do a fingerprint scan. They just kept asking for more documentation like my school records. I'm a XXXX XXXX XXXX XXXX XXXX Veteran that gets {$1100.00} a month from XXXX, I don't have my school records, I don't get unemployment, I live at a place that is all inclusive so I don't get utility bills, I don't have a passport, I do n't drive, I don't have a mortgage statement etc... I have sent them copies of my CA ID card, SS Card, 2022 XXXX from XXXX, XXXX  increase from XXXX for the year of 2022, pictures of myself even a background check I recently received from the nonprofit that helps with my housing. Everyday from XX/XX/XXXX to today XX/XX/2022 I have sent them more documentation and they tell me it's not good enough. That they are doing what is required for the Bank Secrecy Act. I get {$1100.00} a month, I live in XXXX XXXX, I barely scrape by how the XXXX would I be doing money laundering. As an XXXX Vet I am sure as XXXX not a terriast. If I can't get my account opened soon I am going to be on the street. I just don't understand what is going on. Even worse they are taunting me in their emails. And they send all the emails to my email address along with calling me by my name. If they didn't think it was me why would they do this? I am at a loss, I have another XXXX check coming in, and I talked to XXXX and they said it was too late to stop it and have a new apartment I am moving into but it's a XXXX  and I need to give them 6 months of bank statements to prove my income and I can't do that without access to my account and I have told them all this and all they do is ask for more documentation. At my wits end!
Consumer complaint received 2015-07-15
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Medical Management, Inc. (NJ)

A representative called stating that I have a {$1700.00} balance with them, when in fact that is not true. I have proof that I have been paying my bill on a monthly basis with an agency on behalf of XXXX. I frustrated because they have misleading information about me, and have access to my credit record.
Consumer complaint received 2022-12-01
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. (TX)

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, other items still need to be updated and corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these remaining disputed items get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021