davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer. 
Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-05-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

CMRE Financial Services just popped up on my XXXX XXXX XXXX, that i owe them {$210.00} for a medical service in XXXX of XXXX. I am a 100 % sure that I do not owe them any money at all. I am outrage by the face that this company is committing fraudulent activities on my credit account. I have done my research and a lot of people are being scammed by this company.
Consumer complaint received 2022-09-06
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 (CA)

Having tried to resolve in a previous complaint with this Bureau, the fact that the U.S. Bank continues to withdraw money without authorization, the complainant now states that this same problem has arisen again. 
In that on, or about XX/XX/2022, U.S. Bank over drafted the checking account after we discussed removing any and all courtesy transaction features that exceeded the amount available. 
Even so, today I discovered a charge that exceeded the amount available in the account, though they agreed to discontinue this practice. 
The amount was in the sum of {$780.00}. 
Steps were taken to remedy this problem and mitigate the loss. 
However, the bank violated our contractual agreement irrespectively. 
Once again demonstrating they are gaining transactional permission without my consent. 
This problem wasn't corrected, and I have now been affected thereby. Both physically and emotionally.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

I mailed a physical check through XXXX for my mortgage payment ( XXXX XXXX ) and it was stolen. The amount on the check was changed from {$1700.00} to {$4700.00} and the pay to name was altered to a different name ( XXXX XXXX ). 

After filing a police report ( # XXXX ) and a mail fraud report to XXXX, I also reported this to the Chase fraud department and went in to my local branch in person. I was told that I will not receive my money back until an investigation is complete and they receive the money back which could take XXXX or more days. This check was obviously fraudulent yet it was cashed anyways. Tellers at banks should receive training around how to identify fraud and not allow checks to be cashed. This is not my fault as the bank that cashed this check should have reported it at fraud. This is not fair that I have to wait XXXX days to receive my funds back when this was not my fault.
Consumer complaint received 2022-09-06
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: AMERICAN EXPRESS COMPANY (NJ)

Hello to whom it may concern, my name is XXXX and I am writing to you because what is happening about this case is unacceptable at this point. I purchased an item from XXXX on XX/XX/XXXX of XXXX, the item did not get delivered until second week of XX/XX/XXXX. I paid for this item with my AMERICAN EXPRESS CARD that I had saved in my XXXX ACCOUNT. I received the item completely damaged and had to go back and forth with XXXX to agree to take the item back, after a few months of going back and forth with them they finally accepted the return and reached out to me letting me know they will refund me to my original method of payment. About XXXX weeks went by and I still did not receive a refund. I followed up with them and they told me they released the money back to XXXX, and XXXX SHOULD HAVE RELEASED IT back to my American Express card. I called XXXX they told me they sent it to American Express, I assured them they did not because I never received the money back. I called American Express and they told me they never received the money from XXXX. At this point I was so frustrated because it was a back and forth and nobody was able to tell me where my money is. I had a XXXX way call with both AMEX AND XXXX, and AMEX told XXXX XXXX LOUD AND CLEAR they never received the money from them therefore they are not able to credit me anything back. XX/XX/XXXX XXXX Told me they were going to find out where the money is, it is now been XXXX months later and XXXX has now told me XXXX never released the money back to them. At this point I am tired of this situation and the constant back and forth within the companies blaming each other. I keep paying interest on a money amount that should have been credited to my account months ago and no one is willing to take responsibility for this and give me my money back. Every time I call them they pretend they do not know what happened. The total I need to be refunded is {$1800.00} The XXXX CASE NUMBER IS AS FOLLOWS : XXXX The AMEX CASE NUMBER IS AS FOLLOWS : XXXX The XXXX Ticket rush number XXXX that was supposedly escalated to get me my money back in XXXX hours ) is as follows : XXXX Please help me! I HAVE PROOF IN WRITING THAT XXXX AGREED TO A REFUND SO I WANT TO RECEIVE MY REFUND ASAP BUT AMERICAN EXPRESS SIDED WITH THEM WHEN I FIRSR DISPUTED TRANSACTION SO THAT IS WHY THE MONEY HASNT BEEN ABLE TO GO BACK INTO MY AMEX ACCOUNT EVEN THOUGH XXXX APPROVED IT. AMEX AND XXXX NEED TO WORK IT OUT WITH EACH OTHER BUT I NEED MY MONEY BACK.
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I set up a bill payment on XXXX XXXX that my bank did n't send out and I caught the error on XXXX XXXX, then promptly called to make the payment and waive the late fee because of a bank error, before any late fees had been assessed. I made a payment XXXX XXXX of my normal monthly amount of {$25.00}. I got XXXX calls, XXXX at XXXX, XXXX at XXXX and again at XXXX from them on XXXX XXXX. They had apparently applied the late fee to refund to the account balance rather than to the amount due, and they told me I now owed them {$65.00} by XXXX XXXX. They ( now speaking with a manager ) said that they wo n't refund the XXXX late fee until that amount is paid in full, and that they will apply it to the account balance. They said that I was n't being punished for the bank error on the phone, but this is just the way they operate. She also insinuated that I was in the wrong in asking her to fix my monthly amount due rather than applying it to the account balance.
Consumer complaint received 2022-09-05
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : $ XXXXCharge-off, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I had an active Victoria Secret account ( with a store credit card ) that my wife was using to purchase goods at their store, until recently. She always made her payments on time, and at her local Victoria Secret store in the XXXX area or via phone. However, strangely, we received invoices of this credit card ( two previous times as well ) some kind of late fees on the account even though the balances were always paid in full, or at least well above the minimum required payment. Yet, after explaining to them why they erroneously charged us the last XXXX times ( where they helped reverse the fees, but ONLY if we agreed to keep the line open ) they did it AGAIN just about 2 weeks ago. After several attempts to try to deal with the " late fees '', and trying to reach their customer service, they have infuriated me beyond belief. I am a terminally ill XXXX patient and I have no money nor time to keep going after them for their mistakes and, what feels like, financial abuse. They kept charging the late fees on a fully - or almost ENTIRELY - paid credit card, alleging that we incurred some kind of separate fees of {$2.00} ( on my statements ) and that they would then proceed to charge late fees of an additional $ XX/XX/33 as well because of these unbeknownst and aforementioned separate fees of {$2.00} - whatever they were. I am sick and tired of the back and forth and want an immediate resolution.
Consumer complaint received 2022-09-05
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : $ XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was asked by Capital One to apply for a Credit Card, and have good credit with excellent paying history. 
they turned me down as said I had too many credit cards but they approved all of them. 
I was planning on getting one with good interest which I have earned, and transfer a balance.
Consumer complaint received 2022-01-07
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. (GA)

Good Morning I have been monitoring my credit recently and I have noticed two accounts reporting to all three of my credit bureaus information that is not mine. Please send this to the appropriate department and get them taken off please.
Consumer complaint received 2016-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (NV)

I chose continued attempts though no attempts to contact me have recently been made. But this seemed the most fitting for my situation. I have recently been monitoring my credit on XXXX and I see this debt on my report. I was contacted about damages to the apartment I stayed in after I moved out from the manager. I made a payment and to my knowledge I paid the amount due from verbal conversation through the supervisor at the time, XXXX. So, I recall paying the full amount that was due. I believe it was paid online.
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My wife and I filed a chapter XXXX bankruptcy in XX/XX/XXXX and surrendered our home to Countrywide. We turned the keys over to the bankruptcy attorney moved to XXXX. We managed our credit and managing our debt for the last seven years and now want to buy a home. We found one and got qualified for a new mortgage but then were denied because the old home included in the bankruptcy in XX/XX/XXXX was still in our names. it has never been sold, or foreclosed upon and apparently just sits there. After a lot of digging and phone calls Bank of America inherited it from Countrywide. It was to be foreclosed on in XX/XX/XXXX. Bank of America took possession of the property in XX/XX/XXXX. The foreclosure never happened, in XX/XX/XXXX the state of XXXX dropped the foreclosure proceedings due to a lack of paper work being filed. The loan was sold to XXXX XXXX and then to XXXX who has it now. It is in a file at an attorneys by the name of XXXX XXXX XXXX. from XXXX They are the loss mitigation for XXXX and no help what so ever. I called and asked how to remove my name from the deed, but they do not care. The house was discharged in the bankruptcy in XX/XX/XXXX and the bank refuses to take ownership of the property so what am I to do?
Consumer complaint received 2022-09-05
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. (AR)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX  Inquiry Date XX/XX/2021
Consumer complaint received 2020-10-19
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: EQUIFAX, INC. (NC)

I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XX/XX/2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have accounts opened with 3 companies that I need to be verified. 

I have an account with XXXX XXXX showing that I owe the amount of {$750.00}. My credit report shows that I opened this account on XX/XX/XXXX. 

I have an account with XXXX XXXX that was assigned on XX/XX/XXXX from a cable/cellular company showing that I owe the amount of {$220.00}. 

I also have an account with XXXX, XXXX that was assigned on XX/XX/XXXX from a cable or cellular company showing that I owe the amount of {$1200.00}. 

I will need written contracts with my signature from these companies showing that I agreed to pay them these amounts.
Consumer complaint received 2017-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc. (CA)

I paid-off my installment loan on  XXXX / XXXX / 17 .  Prosper  does not want to give me a pay-off statement. Please help me. Thanks  Loan  #  XXXX
Consumer complaint received 2022-09-05
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIRSTBANK PUERTO RICO (ME)

FirstBank, XXXX XXXX, PR This has been going on for 4 months, 7 phone calls, and 3 e-mails. 
They just flat out refuse to get it right. 
At this juncture, I find myself wondering if an employee has stolen the disputed $ XXXX. 

In XXXX, I wrote a check on my LOC for {$8800.00} and deposited it in my local XXXX XXXX It was returned, unpaid, for " signature irregular, '' but charged to my account. 

Upon its return, needing the cash, I wrote a 2nd check for {$3800.00}. It was paid, but NOT charged to my account. 

The result is an erroneous {$5000.00} debt, higher finance charges, and an almost 100 point hit to my previously XXXX credit score. Proof of their error has been submitted multiple times, even including a notarized letter from my XXXX XXXX  proving their error, but the saga continues unabated.
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IN)

Chase Bank purchased my mortgage from XXXX XXXX. My mortgage contract does not block or prohibit making partial payments. Chase Bank is not properly crediting my account with partial payments and those payments are sitting in an unapplied fund status in excess of my monthly balance due. Chase Bank is harassing me with past due phone calls even though the sum of my payments are currently in excess of the amount due.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I obtained secured Capitol One credit card XXXX 2022 with a security deposit. Then obtained regular Capitol One " Quicksilver '' credit card in XXXX 2022. Unfortunately, i had to file bankruptcy in XXXX of 2022. It is almost a year later and Capitol One still shames me by reporting the wrong high balance on my credit report. After dispute they corrected one of they of the line items.
Consumer complaint received 2020-04-19
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. (VA)

There's unknown incorrect unauthorized accounts wrongfully reporting on my credit file and I'm demanding that these accounts be removed as pursuant to the laws of the FCRA. Please block the following. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

Credit card abuse and social security fraud at XXXX XXXX XXXX XXXX Texas XXXX XXXX account number XXXX, using my name and social with a different phone number XXXX and email XXXX Police report : XXXX