davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/2021 I mistakenly sent someone named XXXX XXXX some money on XXXX that was completely unauthorized. I requested the money back from XXXX XXXX in a refund form through XXXX and she declined sending me my money back although it wasnt meant to be sent to her. XXXX declined to dispute my transaction prompting me to contact my bank or request a refund from XXXX, in which she declined. Ive contacted my bank, which is Chase Bank and theyve now filed a dispute. I just want all of my money back. The amount is for {$420.00}.
Consumer complaint received 2021-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc. (TX)

KIKOFF LENDING LLC XXXX I have made several attempts to contact this company in reference to this account via phone ( Phone Number online doesn't work ), email and other means more than 10 times to no avail. This account does not belong to me, it's a result of identity theft. There should not be a late reflected on my credit report
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (MD)

This concerns the suspension of my Amex Serve account. I had my own money from the stimulus in my account, around {$3300.00}. I also had just received a deposit from the SBA for a XXXX XXXX of {$9000.00} they owed me from XXXX of XXXX. Both deposits were from government agencys. The SBA deposit wasnt even supposed to go on the Serve card account. A mistake was made by the loan officer and disbursement department of the SBA. I will include her contact information. But that money is still rightly mine. And since that deposit was not even supposed to go to that account I technically didnt violate any terms of service. I had provided a voided check and Information from my XXXX XXXX XXXX checking account for the deposit. Someone at the SBA did not update it correctly from over a year ago. I have correspondence with the SBA I can provide as proof if needed. I went though a rigorous approval process for this {$9000.00} advance and waiting more time is risking the closer of my business. I would like to add I did not even realize the money had been deposited in my Serve account until Serve themselves sent me a text with my balance on Friday XX/XX/XXXX. Afterwards I did some research and found that the {$9000.00} XXXX XXXX was actually deposited on Monday XX/XX/XXXX. I had only been checking the XXXX XXXX  XXXX account for this deposit as that is where is was supposed to be deposited. I only check the balance of my serve account weekly unless needed otherwise. 

Loan Officer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

A company called Credence keeps calling my inlaws home claiming I owe a debt. They will not state what the debt is about or what amouny is owed. This happens several times a day, and my inlaws have repeatedly asked them to stop calling them. I know this is fraudulent, because they never ask for me by my legal name which is what I always put on all of credit appications and forms. They always ask for me by my nickname that family and friends address me as. I have also never recieved contact this company via mail. The number they always call from is XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-11-22
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. (MD)

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

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 U S DEPT OF ED/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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-11-17
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my consumer rights. XXXX XXXX XXXX XXXX has violated my consumer rights. XXXX XXXXXXXX XXXX has violated my consumer rightsXXXX XXXX XXXXXXXX XXXX has violated my consumer rights. * 15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I have never given prior consent or had any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, payment history etc. I have never consented to any such terms of agreement. Please ensure all investigations will be METRO2 COMPLIANT and resolve their reporting Innaccuracies.Thank you
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing this complaint regarding late payments with XXXX XXXXXXXX. There are late payments being furnished on my consumer reports that are incorrect. I was never late regarding this account. I am requesting that these late payments be removed. I have already called XXXX XXXX to confirm this to be true. It is in fact an error. I was told to dispute it with the consumer reporting agencies. The late payments are an error. 15 USC 1666 BILLING ERROR.
Consumer complaint received 2024-02-25
Product: Credit reporting 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. (NJ)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-01-18
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. (MI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$40.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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 2021-10-21
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. (MI)

Transunion is XXXX her reporting the wrong account balances on two collections accounts ... I have made payments on those accounts and they refuse to update the right amount that I owe I have sent them prove of the payments and they still refuse to update my credit report
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: SYNCHRONY FINANCIAL (AL)

THERE ARE SEVERAL ACCTS ON MY CREDIT REPORT FROM 2017 THAT ARE IN LITIGATION AND STILL ON MY REPORT THAT IS FRAUD ANYTHING OPENED AND OR USED IN 2017 IS FRAUD I WAS IN THE XXXX IN 2017 XXXX  AND XXXX  WERE COMPROMISED IN 2017 AND MY INFORMATION WAS STOLEN I HAVE TICKETS AND COURT DTAES IN MY NAME ALSO BUT I WAS IN PRISON IN NEED OF ALL 2017 TRANSACTION UNDER MH NAME XXXX XXXX TO BE DELETED FROM MY ACCOUNT IMMEDIATELY I HAVE ALREADY HIRED A LAWYER AND WE ARE PERSUING LEGAL ACTION AS WE SPEAK ANYTHING IN 2017 FROM XXXX XXXX XXXX XXXX GA XXXX IS FRAUD using my name XXXX XXXX and my social to open up cards?!!
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have a XXXX credit card that went delinquent XX/XX/XXXX. The account went Charge off ( XXXX  ) XX/XX/XXXX. XXXX reported it XXXX  until XX/XX/XXXX, then reported no data to Equifax until XX/XX/XXXX. This caused Equifax to report " Date of major delinquency reported '' to be XX/XX/XXXX. I have disputed this 2 times with Equifax. They know that because of the incorrect reporting my credit score went down around XX/XX/XXXX. They have stated that they will do nothing because XXXX is reporting it as accurate even though they can clearly see inaccurate information. The decrease in my Equifax credit score has caused me to be denied credit. 
A supervisor at Equifax stated that if someone reports any inaccurate information, the company will always take the lenders information as true.
Consumer complaint received 2021-10-21
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. (OH)

XX/XX/2021 I recently called TransUnion and to settle a matter regarding fraud on my inquiries I've noticed during a recent credit pull there are numerous hard credit inquiries that I did not authorize nor approve. I have already disputed these inquiries and would like for them to be removed and TransUnion refused to remove them after all documents were in order and I was constantly transferred to departments that weren't the fraud department.
Consumer complaint received 2021-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

My mortgage company had not paid my XXXX taxes even though we have paid on time and can see all of the money is sitting in escrow. Its a little over {$3000.00}. I have called repeatedly and told them if it is not paid by XX/XX/XXXX a lean will be put on my home and my credit score will be impacted. They said they most likely will not be paying the late taxes by that date and they can not speed up the process. I checked today XX/XX/XXXX and it is still not paid. So now I will be impacted for them not doing their job. If it is not taken care of in XXXX they can put our house up for sale.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TN)

In XX/XX/2016 a missed payment was showing on all of my all of my Fed Loan Servicing student Loans. This is not accurate as I was in forbearance and was attending school at the time and should not have been liable to take a payment. I need these items removed immediately and the company is not researching out doing anything to help with this issue.
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

During the time of XXXX I unknowingly had multiple upon multiple credit cards opened in my name. I am not the owner of this debt, nor did I ever apply to get these credit cards. I was under the age of XXXX at these times and did not even know what credit was or how to apply for a credit card, let alone go apply for over 6 credit cards at the age of XXXX & XXXX. I highly suspect my personal information was stolen by my mothers ex-fiance. The reason I highly suspect he did this is because I lived in his house at the time as well as my mother and little brother ( who also has a ruined credit score because of mothers ex-fiance committing identity theft ). Again I lived in his house during these times these credit cards were opened up, which means he had very easy access to my social security card as well as my birth certificate or any other extremely personal information he could use to falsely identify himself as me in order to get some easy money. My mom 's ex-fiances name is XXXX XXXX. I am willing to give any information about him or myself in order to fix my credit. This is not fair and I should not have to pay $ XXXX in collections for XXXX XXXX XXXX actions. I am willing to do whatever it takes to prove this wasn't my wrong doing.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I recently refinanced my mortgage with a new lender on XX/XX/XXXX, and my previous lender SPS , Inc. was paid in full on XX/XX/XXXX. My current city and county taxes were paid by my new lender, and a double payment was made by Select Portfolio Servicing , Inc.. It has been over 90 days for Select Portfolio Servicing , Inc to resolve this issue. I filed a dispute with Select Portfolio Servicing , Inc, and I was sent a letter stating the loan was paid in full and they could do nothing. I received this letter from XXXX XXXX in the Consumer Ombudsman Department at Select Portfolio Servicing , Inc. stating this issue was resolved. I had to contact the tax office for my escrow refund, but they are holding the funds as they can not send them to me directly. XXXX XXXX at Select Portfolio Servicing , Inc. has refused to contact me or the tax department to resolve this issue. I have repeatedly requested a phone call to explain my issue, and could most likely be resolved with a phone call by Select Portfolio Servicing.
Consumer complaint received 2023-01-18
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (CA)

Discover Bank I forgot to pay on time but destroying my reputation due to reporting negative reports without my consent and without due process of law to fake credit bureaus such as XXXX, XXXX, and XXXX is unlawful ( 15 U.S. Code 1692d ( 1 ) / 15 USC 1681 ( 1 ) / 15 U.S. Code 1681b ( a ) ( 2 ) / 5th Amendment/ 18 U.S. Code 242/ 18 U.S. Code 1349 ). ( 15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. )
Consumer complaint received 2020-11-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (MD)

I HAD AN ACCOUNT WITH NEWREZ- SHELLPOINT MORTGAGE SINCE XXXX. THIS YEAR THEY APPROACHED ME WITH A PROPOSAL TO REFINANCE SINCE THE INTEREST RATESARE LOW. I AGREED AND WENT THROUGH THE PROCESS OF REFINANCING. I COMPLIED WITH EVERYTHING THAT THEY DEMANDED AND PAID FOR THE MONTH OF XXXXMY NEXT PAYMENT WILL START IN XX/XX/XXXX. THE CLOSING WENT THROUGH ON THE XXXX OF XX/XX/XXXX. SINCE XXXX I HAVE HAD A BI-WEEKLY PAYMENT ARRANGEMENT WITH THEM WHICH THEY ADVISED ME TO STOP SINCE WE JUST REFINANCED AND A NEW PAYMENT RATE WILL BE SENT TO ME. I THEN WENT AHEAD AND STOPPED THE BI-WEEKLY PAYMENT WITH NEWREZ-SHELLPOINTON THE SAME XXXX OF XXXX THAT I DID THE CLOSING.SURPRISINGLY NEWREZ-SHELLPOINT STILL WENT TO MY BANK ACCOUNT OF XXXX  XXXX  XXXX XXXX XXXX AND TOOK UNAUTHORIZED PAYMENT OF $ XXXXAND SENT MY ACCOUNT INTOBALANCE AND SO FAR A PENALTY FROM THE BANK TO THE TUNE OFF {$100.00} IDID TRY 14 TIMES TO RESOLVE THIS MATTER WITH NEWREZ-SHELLPOINT TO REFUND THE UNAUTHORIZED AMOUNT AND THE PENALTY FROM THE BANK AND THEY KEPT GIVING ME THE RUN AROUND. TO MENTION A FEW NAMES THAT I SPOKE TO WERE XXXX, XXXX, XXXX, XXXX XXXX XXXX. ALL THESE PEOPLE KEPT ME THE RUN AROUND SOMETIMES ON THE PHONEFOR OVER ONE PHONE FROM ONE PERSON TO ANOTHER.
Consumer complaint received 2018-03-02
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. (SC)

I am writing this complaint due to TransUnion not responding to have credit inquiries removed due to them not being authorized. I did not authorize numerous inquiries that are showing on my credit report and I have disputed them 4 time and I get the same response days later. Which further tells me that they have not verified these inquiries and keep sending me a generic response. I have just submitted another dispute and if this XXXX  Complaint does not work, I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone credit is for a firm offer of credit, insurance, employment or court order. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
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. (NJ)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'VE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR : MERCHANTS CREDIT TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I DID NOT PROVIDE MERCHANTS CREDIT OR THEIR CLIENT " XXXX XXXX XXXX '', WITH MY SOCIAL SECURITY NUMBER. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. 

IVE REQUESTED FOR TRANSUNION AND XXXX TO COMPLETE AN INVESTIGATION AND VALIDATE THE DEBT. THEY HAVE YET TO DO SO, I ASKED THEM TO MAIL ME ALL DOCUMENTS USED TO VERIFY THIS DEBT AND PROVIDE ALL DOCUMENTS USED TO VERIFY THIS DEBT FROM THEIR INVESTIGATION. THEY HAVE REFUSED TO DO SO AND HAVE YET TO VALIDATE THIS DEBT. THEY ONLY TOOK MERCHANTS CREDIT AT THEIR WORD. THESE TWO CREDIT REPORTING AGENCIES DO NOT REVIEW ALL FACTS AND DO NOT COMPLETE THOROUGH INVESTIGATIONS. THEY ALSO DO NOT PROVIDE THE RESULTS TO THE CONSUMERS IF THEY DID NOT FOLLOWING THE LAW.
Consumer complaint received 2020-11-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Company won't resolve claim which the merchant said the credit card processor wont refund the transaction and holding my money. 

im ID : XXXX Claim amount : {$1900.00} Initiation date : XX/XX/2020 Transaction Date : XX/XX/2020 Transaction Ref. # : XXXX