davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
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. (CT)

Dear Trans Union : My credit report has not been updated since I last spoke with you. Your representatives had stated that you are still working on the problem. However, many of my accounts still show incorrect balances and I had spoken to you in regard to several accounts that are not showing payment grids. 

Please update my credit accounts because the balances are incorrect. I am concerned you are not receiving the updates my creditors are sending you or you are not fulfilling requirements under the FCRA. 

Please update and correct my accounts, if you are having system errors please contact me. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc. (TX)

Innovative recovery is reporting a collection on my reports that I am not familiar with. I have reached out to them for validation of debt and documents pertaining to this account. In return I received a copy of a lease and an Itemized statement with a place for a managers signature which was missing. A lease with no signature and missing signature for the XXXX makes this account and debt invalid as they do not have proof of any legal binding documents to validate this debt as valid and hold be liable. I am requesting that this account is deleted from my credit reports.
Consumer complaint received 2020-01-28
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. (TX)

XXXX XXXX XXXX XX/XX/2019 {$160.00} This amount was paid to two different collection agencies. The amount has not been removed from my credit report. The service was terminated by my choice. I called to notify XXXX of no longer needing the prepaid service in advance. They received a bill multiple times. Paying the {$160.00} twice. I want this removed it is fraud for XXXX XXXX to charge me when I have paid the amount due. Then they refuse to remove it from my credit. I want this resolved.
Consumer complaint received 2018-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

All inquiries were made on address I no longer reside and have not lived it in more than 2 years. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Multiple Inquiries were made on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ( XXXX  ) inquiry was made on XX/XX/XXXX ( XXXX ) 4 inquiries from XXXX card alone! 

XXXX/XXXX  XXXX. XXXX XXXX XXXX Florida XXXX XXXX The inquiry was made on XX/XX/XXXX ( Transunion ) XXXX  - No credit contact information available on my credit report and the bureau still refused to remove it. There is no way for me to contact the company. 
The inquiry was made on XX/XX/XXXX ( Equifax ) After checking my report in XX/XX/XXXX, I noticed all of the XXXX inquiries, I put a fraud alert on my account, this only helps if credit is approved because credit can not be extended if the company does not reach out to me directly. However, it does not prevent criminals from applying for credit, after I initiated my fraud alert some additional attempts were made and the inquiries still count against me. I contacted the credit bureaus and the companies XXXX, XXXX, and they said there was nothing they could do because credit was not extended. The credit bureau stated they could not take the inquiry off my credit. They only directed me to contact the companies directly ; the companies send you in circles because you do not have an actual account therefore no one helps you. I tried contacting the local police to see if i could file a report however nothing was done because no credit was extended.
Consumer complaint received 2021-12-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I reach out to Pentagon Federal Credit Union via certified mail on XX/XX/2021 to exercise my rights to verified an alleged debt. 

Pentagon Federal Credit Union received my certified mail on XX/XX/2021 and they did not reply to me and I havent receive an audit trail & any other documents pertaining to the consumer credit transaction that I demanded in my cease & desist letter. 

I need this information to verify this alleged debt but Pentagon Federal Credit Union is ignoring me and this is an violation of my consumer rights
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

We signed a contract on XX/XX/XXXX, got pre-approved through Chase XXXX. After several rounds of documentation, we were conditionally approved at a 3.25 % ( XXXX points ) rate, and a target closing date of XXXX. The Lending Advisor also stated we qualified for an appraisal waiver, of which we promptly accepted since average interval to complete waiver was between 25-32 days in Texas. On XX/XX/XXXX, after all the documents were passed to underwriting for final review, the underwriter stated we didn't qualify for the " agency product '', and therefore we would have to pay 3.37 % interest rate, pay {$6300.00} from XXXX in points, and they would now require an appraisal ( reminder- telling us this just 4 days before closing ). Whether it was the lending advisor 's error, or poor decision-making on the underwriter 's part, we consider this to be an unforced error -- - worse case a " bait and switch '' situation -- - solely of their doing. To compound the problem, their coordination and timing with the appraiser was atrocious, leaving us with a 3rd amended contract pushed to XX/XX/XXXX closing just for conservative purposes. Turns out that extended amendment date was needed, as we didn't get funded until XX/XX/XXXX, and we didn't close until XX/XX/XXXX. Sidebar, because of the misstep on Chase 's part, we risked the seller backing out for another offer. Incrementally that cost us extra money to secure him for the duration. The Underwriter 's excuse for the product change in the XXXX hour did not make logical sense given the combined wages, retirement income along with a large IRA that a financial advisor has written a letter on to state it was significant enough ( $ XXXX ) for retirement income continuance long after his 30-month calculation he claimed needed to be satisfied ( where apparently he factored only one of my accounts, the 401K ). Chase had everything to gain by reneging on their original offers to us under conditional approval conditions. Not that it factors materially into financial decisions, but I have used Chase for 30 years, and this is my XXXX mortgage with them. This process was broken, but worse yet their internal human handling and coordination around the broken process compounded the problem. We opened up an executive complaint before close with their corporate executive offices. That did nothing to benefit the situation, it seemed more like an " appeasement '' exercise because they relied on the assigned lending team as much as we did and they offered no intervention that positively altered timing. The Executive Support Team closed the complaint on XX/XX/XXXX because the closing took place " successfully ''. They stated some " independent and unbiased '' group would internally evaluate this case and reach out ONLY if they found wrong-doing or gross errors on the Chase teams ' part.
Consumer complaint received 2019-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (TX)

I do not recognize this account. They reported multiple accounts owed and I do not admit ownership. It showed from XX/XX/2019, but no one has attempted to contact me or notified me of my right to dispute. I do not recognize this debt.
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (FL)

I keep sending complaint to you about these accounts and I don't understand why you keep posting them on my name. I never apply for anything and I have no idea where they came from! I believe someone hacked my personal information
Consumer complaint received 2021-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX, Transunion, XXXX XXXX this is willful defamation. Infringement on my 4th Amendment rights, especially to privacy and to be secure in my papers. An Identity theft report has been done ( report Number XXXX ) in accordance with the Federal Trade Commission. I have sent certified mailings to credit bureaus demanding compensation from them due to the Civil Liability, the defamation and willful intent to infringement of my 4th amendment rights to be secure in my papers, which Have been fraudulent obtained and retained, without my consent. The deceptive, false claims made by business who are in collusion with these third party credit bureau who continually are buying and monetizing off my public information. I have sent demand letters to XXXX, transunion, and XXXX.
Consumer complaint received 2024-02-27
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. (PA)

I was a victim of identity theft i filed all the necessary documents to have fraudulent accounts removed from my report and they were removed. 2 days later 1 of these accounts reappeared on my report incorrectly as 15 USC 1681 c-2 clearly states, ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.. so its not enough for the reporting agency to only delete this information but congress states they should also provide a block of the reporting of these fraudulent accounts. 
The account that reappeared is XXXX XXXX XXXX  acct # XXXX block and delete this account. Ive reattached the ftc report as well as the police report
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Hi. I paid for my credit report initially on XX/XX//2020 and found that two collection agencies were reporting inaccurate information to the three credit bureaus. It is to my understanding per the FCRA that I am able to dispute these inaccuracies with the 3 credit reporting agencies and that they will investigate. To date I have reached out multiple times and I have not received and VERIFICATION or PROOF that I in fact owe for one collection agency in the name of XXXX XXXX XXXX with the account number XXXX. They are reflecting a balance of {$180.00} on XXXX and a balance of {$260.00} on XXXX and a balance of {$180.00} on EXPERIAN. This is in direct violation of the laws put in the place to protect me. Please assist me with this matter and have this account removed from my reports. Thank you
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY (CA)

This complaint is being to the Consumer Financial Protection Bureau because my personal information were used to open fraudulent accounts with multiple entities. This entities include retail rewards cards and credit cards with financial institutions that I never dealt and done business with. I have contacted the credit reporting agencies as required by law to inform them and have them remove the fraudulent accounts from my information. However, XXXX and XXXX refuse to cooperate with the fact of the matter. I have followed every step they have advised me with, I contacted them, I contacted the Federal Trade Commission and filed an identity theft report to have these fraudulent account removed from my records. Yet, they have done absolutely nothing and refuse to do anything. By law, they are required to take action once they receive official government document that is filed with the Federal Trade Commission and have the fraudulent accounts blocked. I file this complaint against, XXXX, XXXX, XXXX XXXX and Nordstrom regarding the fraudulent activities that have been appearing on my credit records without my consent and authorization.
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AMERICAN EXPRESS COMPANY (TX)

This spammer impersonating a representative from American Express is harassing me again, and I don't have any credit cards. I've called The real American Express last month and the phone number XXXX isn't their real phone number, and American Express will never call anybody.And they knew it's a scammer using their name to ruin their reputation by ripping us off when I don't have credit card debt. I don't mess with credit cards. I want this crook arrested.
Consumer complaint received 2021-12-01
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. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (NY)

Equifax credit bureau receive my documents to remove a inquiry. They sent documents stating that item has been deleted from my credit file. That item is still on my credit file ....
Consumer complaint received 2020-01-27
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: JPMORGAN CHASE & CO. (IL)

In XX/XX/2019 I called Chase to discuss my credit card bill and also to close my account. I spoke with a representative and advised them that I no longer have use for this card and would like to have it closed. At the time, my bill came in for {$170.00} with payment due on XX/XX/2019. I asked for a courtesy refund of the XXXX $ annual fee - the rep agreed that since the fee was only charged in XXXX, I qualified for the reversal. I also asked for the fees to be waived, which the rep agreed could be done, {$27.00} in fees, and {$2.00} in interest. Since I was getting all these reversals, the rep told me I only needed to pay the DIFFERENCE. 
So the math for this was : {$170.00} minus {$95.00} mins {$27.00} minus {$2.00} = {$50.00} remaining balance and payment due. I made the {$50.00} payment on XX/XX/2019. Yet I received a bill for the XXXX statement with a balance on my account. My account should have been XXXX  'XXXX out by the XXXX statement. Now the XXXX statement comes with late fees, interest, and other fees. which is extremely deceptive and abusive, also ridiculous because it's unwarranted. It is not my fault that the rep did not do as promised. I am not liable for this bill. The rep failed to reverse all the charges, and HENCE XXXX continue to have a balance and now additional fees that I am not liable for. I am requesting for everything to be made whole and all fees/annual fees to be reversed as promised. This account should be at XXXX.
Consumer complaint received 2022-11-19
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)

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SD XXXX ; XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX AP XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2021-09-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (OH)

A fraudulent company called " Voyager '' aka Invest_Voyager tried to steal {$1800.00} out of my account through unauthorized ACH withdrawals last XXXX of 2021. 

US Bank was notified of this and had to stop them from using their multiple front companies from withdrawing funds from my account ending in XXXX. A new account was created after I filed a police report and submitted it to US Bank, and remaining funds were moved to a new safe account. 

The fraud claim TOTAL amount from the MULTIPLE unauthorized ACH transfers initiated by Voyager was {$1800.00} and fully documented. However, it has taken over 6 months now to get this money back.

I have been given {$1500.00} of the {$1800.00} back. US Bank sent a message in writing to me via the CFPB stating that they could not give the remaining balance of {$420.00} back to me that Voyager had stolen because " part of it was done as a debit or credit card transaction '' which is totally false, because Voyager never had access to my debit or credit card from me or any legal means and ONLY had access to my ACH and routing which was corrected. 

So now, I have gone from Voyager trying to steal {$1800.00} from me to US Bank trying to steal the left over {$420.00} by making up excuses of credit or debit card transactions which were impossible to exist, because the fraudulent company Voyager never had access to ANY credit or debit card and ONLY ACH. 

Again, I am requesting that the remaining {$420.00} be returned to my account at US Bank. The previous message from US Bank incorrectly stated that a remit of {$100.00} was an error in my favor, but it was not an error, because the banker saw that it was an ACH transaction like all the rest and SHOULD have been returned. 

So if that will stand, US Bank still owes me {$320.00} which I expect to be returned to my account promptly. 

I have written numerous times, without response, to the direct email address provided by the liaison division for direct contact with the actual fraud department which isolates itself entirely from the public and only interacts to their intermediary via XXXX internally. Enough is enough and I need the rest of my money back. 

I have waited more than enough for a satisfactory resolution to this matter without US Bank manufacturing debit ledgers for ACH only transactions to try and keep my money. Please resolve this. 

Thank you. 

Case # XXXX US Bank
Consumer complaint received 2018-04-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Rise XX/XX/17 Called and spoke to rep to let them know I did not authorize them to run my credit and it was never removed. This is affecting my score.
Consumer complaint received 2021-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way the bureaus were able to verify this! I'm invoking my rights as a consumer under Federal Law and the bureaus are choosing to blatantly just ignore me.
Consumer complaint received 2020-01-27
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. (AR)

In XXXX of 2019 I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX   they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report I noticed a numerous of things that were not mine. Can you please remove the following items from my report. XXXX/XXXX XXXX {$640.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX I XXXX {$3400.00}
Consumer complaint received 2021-02-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.