davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
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 have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information!
Consumer complaint received 2019-04-03
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: EQUIFAX, INC. (GA)

I SUBMITTED A REQUEST TO REMOVE BANKRUPTCY INFORMATION THAT IS INCORRECT ON MY CREDIT REPORT. I DID NOT FILE BANKRUPTCY, A LETTER WAS SENT SAYING THAT THE INFORMATION WAS VERIFIED BUT THERE WAS NO PROOF THAT THE INFORMATION HAD BEEN CHECKED AN VERIFIED.
Consumer complaint received 2019-04-03
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. (NM)

XXXX XXXX - XXXX is reporting on my credit for a debt I do not owe. I am unsure who XXXX XXXX is nor have I ever done business with them. This is not mine
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IL)

onXX/XX/2019, I sent MCM a debt validation letter which stated that they must cease contacting me by way of phone, and that the only acceptable communication was through mail. On XX/XX/2019 they sent me back a computerized letter, without a wet ink signature, simply stating that the debt had been validated as accurate. Nothing more was provided, and therefor they are in direct violation of FDCPA laws. On XX/XX/2019 I replied to this letter in which I stated that they are to cease and desist all contact except by way of mail and that the debt needed to be accurately validated, per the laws set forth for collection and collection agencies or the debt needed to be deleted immediately from all CRA reports immediately as they did not validate it within the 30 day given time frame. On 04/03/2019 I received an email from MCM contacting me about the alleged debt. This is a direct violation of federal law, FDCPA ( XXXX XXXX. XXXX to XXXX )! I will take further legal action if necessary if my demands set forth in myXX/XX/XXXX letter are not met expediently
Consumer complaint received 2019-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

XX/XX/2019 - XXXX took funds from my bank account and transferred them to unknown account. 
XX/XX/XXXX - I contacted XXXX with the XXXX # and WEB ID and asked for some help. 
XX/XX/XXXX - XXXX requested a government picture ID. 
XX/XX/XXXX - I replied with the requested information and repeated request for help. 
XX/XX/XXXX XXXX is confused and claims they cant help me. 
XX/XX/XXXX I again ask for help with the issue. 
XX/XX/XXXX - XXXX thanks me for sending over the information, tells me they took off my phone to the account, and I should have no problem signing up. 
XX/XX/XXXX - XXXX addresses me as XXXX vs my name which is XXXX and asks me to ignore the previous email due to a computer problem on their side. 
XX/XX/XXXX I ask for more help including getting the fraud department involved. 
XX/XX/XXXX - XXXX feigns ignorance on what is going on and they assure me the computer is working well now, but well enough to help me. 
XX/XX/XXXX - I ask for more help and getting the fraud department involved. 
XX/XX/XXXX - XXXX calls me XXXX again, and a long explanation on how XXXX   is awesome and they don't make mistakes and that I should stop bothering them and go bother my bank. 
XX/XX/XXXX - I ask if XXXX even has a fraud department. 
XX/XX/XXXX I get response that XXXX is sorry about my name, and they don't have a fraud department to help me. 
XX/XX/XXXX I get a XXXX survey asking how they did.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Hello there, I tried for months to get into my equifax account online, and throght the app. i made a thousands of calls and nobody can solve my problem. Is almos timpossible to get into my account even if i verify my identification every time. 

i need to know equifax is going to solve my problem. due i read a XXXX of reviews of other people having the same problem. i know is not the advisors fault because i have friends who can access pretty easily and with no inconvinience to the website. Equifax is the only credit agency who i have this problem. the other XXXX ( transunion, experian ) i can acces normal. 


hope you can help me with this situation. 

Thank you in advance XXXX XXXX
Consumer complaint received 2019-04-03
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: Experian Information Solutions Inc. (NY)

I am having problems with Experian and Experian XXXX. 
As of last month I had a XXXX XXXX score of XXXX or there abouts. On XXXX I had a score of XXXX. O had a debt on my record from XXXX and I paid it off. Ever since my XXXX XXXX score went down to XXXX from what I see. My XXXX  score is dropping from XXXX to XXXX. I tried Appling for Experian XXXX and according to Experian I have no score and no revolving credit so I don't qualify for Experian XXXX. To me this seems to be a catch 22. Also since I got my creditors paid off and no revolving credit why can't I have a score of at least XXXX or better. This is affecting my ability to apply for and obtain an auto loan.
Consumer complaint received 2022-09-16
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX APT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/ReportedXXXX
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (TN)

on XX/XX/19 this company charged me twice for my due bill and then told me to take it up with my bank if I didnt like it. 

They do nothing but give constant issues. They also refuse to close my account.
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I paid the XXXX XXXX and XXXX XXXX XXXX for loan audits which prove mortgage fraud against Wells Fargo/ XXXX XXXX mortgage backed securities. I filed chapter XXXX with XXXX XXXX. Now judge XXXX XXXX lifted the stay at the request of his house theft pals at XXXX law. I requested they produce a promissory note. He said its too late. They have separated the mortgage from the note and cant forclose. So the Vice President of Wells Fargo forged documents swearing that they miraculously found the missing promissory note. Kickback XXXX XXXX didnt question it. I want my portion of the XXXX XXXX XXXX XXXX settlement fund asap! Wells Fargo loan XXXX. I was the plaintiff in federal court in XXXX against them but was ill and wrote to reinstate the case for which I was denied! I sued for mortgage fraud! After three payments toward modification they foreclosed so I filed ch XXXX. Anyway XXXX law XXXX XXXX XXXX XXXX has tried seven times already and seem impossible to stop from stealing my home. Im due a large settlement. Thanks again. XXXX XXXX
Consumer complaint received 2021-01-11
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. (CA)

On XX/XX/2021, I was alerted to a new trade line on my credit report for {$520.00} from XXXX XXXX. 
I made contact with XXXX XXXX, who informed me it was likely XXXX, a self reporting loan service. I contacted XXXX and they confirmed I do not have an account or loan with them. They have requested a police report and FTC report.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (AZ)

I have been a customer with Chase Bank for about 12 years. 
I have a personal checking a business checking a merchant account a savings account and a brokerage account. All in good standing. 
I have an over all credit score of XXXX across the three big bureaus. 
I have an income of about XXXX dollars I have a number of XXXX XXXX all in good standing. 
I have NEVER missed or been late on a credit card or loan payment. 
I have always kept my Credit Utilization low. 
And yet I have been turned down ( Even though the application said I have and " Outstanding '' chance of getting the card ) I just went to this page today to try again. It is a preapproval application which says there is not hard pull. 
I filled in the requested information and when I clicked on " Submit '' I was told you may have opted out and there are no offers for you.

I called Chases and spent a total of about an hour and a half ( 90 Minutes ) being bounced around from one department to the other and no one... absolutely no one could or would tell me what the problem is. I asked for supervisors and they told me the same thing. 
I asked if they could help me to figure out how I could get a credit card with Chase. 
I told them I have been with Chase for about 12 or more years and yet I could not seem to get a credit card. I told them I tried to Preapprove but was not told that either there were not current offers for me or that I was declined for a particular reason. 
I all but begged them to help me. 
No one would. They could not give me a single reason that I was not offered a card or what went wrong with the Preapproval process. ( See below ) https : //www.chase.com/preapproved I asked them to help me to figure out what I need to do so that I could eventually get approved for a card. A game plan if you will. No one would answer or advise of help me in any way at all.
Consumer complaint received 2022-09-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX
Consumer complaint received 2022-09-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

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. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX
Consumer complaint received 2015-05-16
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX, 2015, I made a XXXX deposit on an Chase ATM machine located on XXXX XXXX XXXX XXXX in XXXX, XXXX a little before XXXX pm. After I was asked to insert the bills, the machine took a long time to process the bill count and then gave me a receipt saying that the atm machine was currently unavailable and a number I should call to report the incident. The number was toll free ( XXXX ) XXXX to which I called immediately at XXXX and then dialed again at XXXX. When I talked to the representative, they told me that the machine would not return any money and that the amount of XXXX dollars would be credited to my account. I did not think much of it and believed it to be a ATM error that had been resolved with this call. On XXXX XXXX, 2015 I noticed there was a reverse credit for this same amount and I contacted Chase Bank in XXXX and they transferred me to the claims department. I talked to a representative that told me that when the machine was serviced they had not found any excess money in this machine and that they had also checked the surrounding ATM machines. To which I responded that I had told them the exact location and machine in which the deposit was made. He said they would open up the claim again and double check if they would find that money. I asked to talk to a senior specialist who did not disclose his full name ( XXXX XXXX in XXXX XXXX ), and pretty much told me that if I had in fact made that deposit, then it would have been found in the machine. I do not know what to do next, I will be going in and talking to my bank supervisor.
Consumer complaint received 2019-04-03
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: TD BANK US HOLDING COMPANY (NY)

1 ) I called XXXX and told customer service to help me purchase 3 XXXX XXXX tickets. Instead, the agent misunderstood and sent me to a link and directed me to purchase 3 XXXX XXXX California tickets. Upon arriving at the gate of XXXX XXXX, the ticketing staff noticed the mistake and told me to call XXXX to correct the error. XXXX refused to take responsibility by saying they cant verify their agent made the mistake, a complete lie that they know they will be able to get away with because they can technically just WITHHOLD any recordings. I was forced to buy 3 tickets at the door from XXXX XXXX on my other non TD credit card, which I can prove if necessary. 

2 ) I called TD Credit card disputes to report the issue, and they somehow decided the case against me, failing to protect me from unauthorized transaction. I give XXXX authorization to charge me for what I requested, not for what I never requested. Therefore, the charge should be void. Instead, TD refuses to even let me appeal. I canceled my credit card because its clear they dont want to protect their customer, me in this case, so there is no point in continuing to use the card. 

3 ) TD bank didnt even bother to ask me for additional information to help with the case. XXXX sent them a bunch of screenshots that show me purchasing the tickets online, but that was at the direction of their sales agent. They said these were the right tickets!!!! I took their word and got screwed. Criminal on part of XXXX to deny their mistake.
Consumer complaint received 2019-04-03
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. (IA)

Transunion XXXX XXXX XXXX is showing a balance it's a charge off charge offs are not allowed to show a balance I have disputed this 3 times with them and I sent XXXX XXXX XXXX a VOD they never responded I sent them this proof they deleted it and then 2 months later they put it back on my report I did not get a re insertion letter I laws say they suppose to tell me before they put it back on. 
3. This first time I disputed it XX/XX/2018 I waited 45 days with no response they suppose to have deleted everything then they did not
Consumer complaint received 2019-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX at a track meet at my XXXX XXXX. My phone had my Wells Fargo Online account and card info on it. Over the next few days, the thief began to make large purchases and withdrawals, including a {$700.00} purchase at a XXXX I've never shopped at in my life, a {$200.00} ATM withdrawal at that same XXXX, and a {$2800.00} XXXX transaction. I called Wells Fargo numerous times to tell my story and create claims, only to be put on hold for large periods of time. When I was finally able to get my claims through, my Wells Fargo online account began locking me out numerous times. I was unable to get in for a few days. I called and found out that Wells Fargo themselves put a block on my account. After an hour of being on hold, I also found out that they had denied my claims. Although the {$2800.00} transaction had been reversed, my {$900.00} has yet to be returned. As a XXXX XXXX XXXX XXXX  planning on going to college, this is simply unacceptable. I quit my job recently and have no means of getting my money back. All charges were fraud, I never made any purchases at XXXX or XXXX. The history is in my account, the majority of all of my purchases have been online, and again, never at a XXXX in XXXX XXXX
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (AL)

Belkclosed my account after I paid my credit card off. Companies should not be able to close a card/decrease credit they have issued to you unless you make late payments to them. They should not be allowed to change or modify your account with them because of other things that occurred with a different company after you were showed to be worthy of credit with them unless they clearly submit it in writing to you or ask you over the phone. I had fraud and that affected my credit, but that never affected this account. I paid my Belk card off on XX/XX/2019 and then they closed my amount. That is very deceptive.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The property was sold in short sale via bankruptcy and we meet all criteria as agreed by court and judgement and they are still marking credit as delinquent mortgage. It has caused me harm I can not get credit or refinance my house. I am an XXXX XXXX XXXX XXXX who has been trying to handle this sense XXXX and now my personal assistant has been on them sense XXXX when they started marking my credit again the house sold in XXXX see all docs attached.
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

The collection company opened up an account in my name to damage my credit. The company is acting from its originator XXXX XXXX. The company that opened an account in my name is called portfolio recovery in the amount of {$950.00} opened on XXXX XXXX without my permission. This was done after XXXX XXXX written off the alleged amount that they said that I owed. I had filled a complaint with the CFPB last year about the way they held back my payments to charge me late fees and interest on my credit card. XXXX XXXX   is the originator of the complaint and the alleged debt.
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synter Resource Group, LLC. (TX)

Synter Resource Group XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX x XXXX These people call us on cell and home phone at least 5 times a day. XXXX has hired them to contact accounts that are in arrears. I've spoken to XXXX regarding this matter and referred them to my XXXX Platinum card on file with them so the invoices are always paid in full. Apparently, this is not working. 
These tactics don't work in the business community. We will be using XXXX from now on. 

XXXX XXXX-CEO XXXX XXXX XXXX XXXX XXXX XXXX   XXXX.