davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reviewed my credit report and there were inaccurate and incomplete information for several accounts. I have contacted and sent out dispute letters to TRANSUNION on XX/XX/2023. It's been well over 30 days since. I have not received a response from TRANSUNION whatsoever. I will attach the dispute letters I have sent toTRANSUNION.
Consumer complaint received 2018-02-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I had a home mortage loan with Chase, which was paid off under a Chapter XXXX. Chase, and their servicing company XXXX, tried to over charge me by some {$23000.00}, and contested that the loan was actually paid off by the Bankruptcy trustee. They eventually reneged and acknowledged that I had indeed paid off my loan. They eventually gave me a refund for that over-payment ( {$4800.00} was refunded by Chase, and {$620.00} was refunded by SPS ). Keep in mind that this was MY money, being refunded to me by them, for a fraudulent overcharge. 

Last year, XXXX tried to issue me a IRS Form XXXX for the {$690.00}, and after a huge hassle and complaints to the Texas Department of Savings and Mortage Lending and the CFPB, they later issued me an amended XXXX which was zeroed-out. This year Chase has issued me a XXXX for the {$4800.00}. I called them repeatedly. They first tried to send me to XXXX, who told me that they had not issued the XXXX, and that it was Chase 's problem. After repeated calls, Chase reluctantly agreed to send my issue to Executive Priority Review ( File # XXXX ). I called today, and they are refusing to amend their XXXX, in effect, claiming my refunded money was income from them.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 items 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 items 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXXXXXX Balance : {$180.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 9 accounts on my credit report reporting on three bureaus that do not belong to me. These accounts were opened fraudulently and I have not signed nor applied for this. 
XXXX  XXXX XXXX - Acct # XXXX XXXX {$20000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX {$5200.00} Opened XX/XX/XXXX XXXX XXXX  - Acct # XXXX XXXX {$3500.00} Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX Acct # XXXX Amt {$5700.00} OpenedXXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX Amt {$5300.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$10000.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$6000.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$20000.00} Opened XX/XX/XXXX
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA CONFIRMS NO FRAUD SO WHY WHY WHY ALL REVERSALS OF CREDIT NOT PROVIDED?? See attatched USAA CONFIRMATION XX/XX/XXXX No Fraudulent Activity Found After Review of Your Claim. WHY ALL THE REVERALS OF CREDIT ( Security Adjustments ( OF ) in one month XX/XX/XXXX see attatched CREDIT REVERSALS TOTAL {$1.00}, XXXX ** USAA REVERSES MERCHANTS CREDITS THAT ARE NOT USAAs. NO Fraudulent Activity PRODUCED NO PERMANET USAA CREDITS TO REVERSE {$1.00}, XXXX in XX/XX/XXXX. ( These were MERCHANTS CREDITS REVERSED NOT USAAs. )
Consumer complaint received 2021-10-31
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 (CA)

On XX/XX/XXXX, I logged into my online banking account with Wells Fargo. I noticed four transactions made through XXXX in the amounts of {$490.00}, {$490.00}, {$930.00}, and {$990.00}. I immediately knew that this was a fraudulent act because I never authorized such transactions. I called my bank and filed a report with the fraud department. They opened a claim and changed all my banking information. However, I just received a letter that my claim has been denied and I am distraught. I keep all my banking information safe and secure. This was not my fault and I can not lose XXXX dollars over something I had no control over.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, LEXIS NEXIS, XXXX the also have records of file the are wrong.
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XXXX XXXX recently sent me a letter asking for proof that I still lived at my home for no apparent reason. They are trying to cancel my homeowners insurance which I need for protection. I feel like this illegal. I believe that SPS asked them to do this and this is the second time it has happened.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

I stayed at XXXX XXXX for an internship program in Florida. I left the apartment complex three years ago, around XXXX after being there for 6 months. I had roommates and they were the ones left there after I have vacated halfway early than our lease term of 12 months. That being said, I did not get any of my deposit back. A year after, they sent me a debt collection notice, an amount of which I do not remember anymore. I moved then from XXXX to XXXX XXXX and I was appalled as to how they have managed to involve me in this matter. Although I left earlier than everyone, I decided to get it over it. And I gave them a portion of the amount through Post Office 's Money Order and sent them a letter stating the rest to be filled by my former roommates, if there is any more problems to come, talk to them since I am not the only one in the lease agreement. I have not heard anything else after then. But recently, Debt Collectors under the name of Transworld Systems Inc. kept sending me attempts to collect payments from me for them once again, when I do not have any liabilities on this apartment. And the amount stated is {$730.00} I am not comfortable with this situation and I feel harassed and cash cowed already. They have sent me a couple of letters already and I do not feel safe since they managed to track me on my new apartment, on a new city and state over an issue that happened 3 years ago and does not involve me anymore.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX NO LONGER EXIST AND WAS SOLD TO XXXX  XXXX XXXX XXXX. Consumer sent XXXX XXXX XXXX XXXX a letter and it was returned [ Exhibit 1 ]. XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not allowed to have or purchase Consumer information without my consent. This is an infringement upon my Consumer Right To Privacy. Consumer will no longer allow XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report my information and Consumer did not authorize anyone employed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make any inquiries and/or view my credit report and that this is a violation of the Credit Reporting Action Section 1681b ( c ) and a serious breach of Consumers privacy rights. Consumer has attempted several other times to get my information removed. Consumer has never gave anyone permission at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have been railroaded by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to ignore my Consumer issues. Under 15 USC 1681a ( e ) Permissible Purposes Consumer no longer want XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to report ANY of Consumers information and if they do it will be considered FRAUD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX do not have Consumers permission Under 15 USC 1681c2 and will be considered identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has also violated 18 USC 241/242 Deprivation of rights under color of law because after so many attempts to have this information removed.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I went through a divorce in 2020 and per my divorce decree one of my accounts on my credit was deemed as payable by my ex spouse. So the account stayed in my name but my ex spouse was financially responsible for paying the bill. Of course he was late several times and delinquent. I finally paid the account off to remove it from my credit and improve my credit report. Since removing it from my credit I have disputed with XXXX and XXXX XXXX and they have removed the delinquent remarks from my account since the account has been paid in full. Experian has cancelled multiple disputes because they find the info is correct. I have called XXXX XXXX and they have opened up a case to remove the delinquency but I have gotten nowhere. I am trying to remove the delinquent/late payments remarks on my Experian credit reporting. I do have proof of the divorce decree. Thank you.
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (MD)

I sent a letter to XXXX on XX/XX/2022. Its been well over 30 days, i still havent received anything back. 

According to 15 USC 1681i ( a ) 1 ( A ) Experian, XXXX, and XXXX, have 30 days to respond to my dispute This is a violation of my rights.
Consumer complaint received 2021-09-18
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: Alpine Credit, Inc (TX)

I obtained a credit report from the 3 major credit bureaus XXXX, XXXX, and XXXX. I discovered a credit account from Alpine Credit that does not belong to me. I directly contacted Alpine Credit to dispute the account. The Alpine Credit representative stated, We do not have to talk to you about anything! Then, the Alpine Credit Representative hung up the phone in my face, and blocked my number. I cant call them back or speak to anyone at all. In the meantime, Alpine Credit is fraudulently reporting {$46000.00} in charges and collection on my account. This account is ruining my credit score and creditworthiness. Im being denied for credit and cant obtain any goods or services.
Consumer complaint received 2021-06-24
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. (FL)

I have advised the credit agencies many times that the statue of limitation is expired and this item is still on my credit report. My next step is to hire a consumer law attorney XXXX  XXXX - XXXX Experian XXXX  XXXX  Date Opened XX/XX/2007 XX/XX/2007 XX/XX/2007
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION (TN)

Ive banked with Regions for over a year and have had issues with my balance not matching payments and money missing so I started taking screenshots of my account when I would make purchases. Recently I paid a bill and then deposited money into my account. The money for the bill was removed BEFORE I deposited the money and then I paid some credit card bills. The next day my card declined and I opened my online account and I was negative XXXX dollar which wasnt possible. I went through it and overnight my account balance was higher and my first bill I paid before the deposit went in again AFTER the deposit. I called customer service and they said my balance on online banking was incorrect from pending transactions but my ATM receipt from my deposit says the same thing my online banking did before the transactions posted. I went through my screenshots of my account and added everything up from the last week and my account is short {$78.00}. They stole {$370.00} dollars from me last spring when I cancelled a bed set because the company was out so I moved money from my savings to my checkings to buy a different bed set until my refund went through. The money was immediately taken out and the next day I deposited a check for {$600.00} the next morning my account was short and like this time my purchase for the new bed set went through AGAIN when my check cleared. Im sure if I go through and add up when Ive had a lot of transactions Id find more money missing but that time I unfortunately didnt have any proof thats why I started taking screenshots of my online banking. When I make a lot of purchases or pay a lot of bills my balance fluctuates when items post.
Consumer complaint received 2021-06-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AutoNation Enterprises Incorporated (CA)

I am a federally protected consumer and the original creditor. I was not obligated to CIG financial alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. Cig Financial is in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. Dispite the federal laws CIG financial collected on this alleged debt. I did not give CIG Financial DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). CIG financial did not tell me about my right of rescission pursuant to 15 usc 1635- right of rescission. CIG financial is criminally liable for all of these violations pursuant to 15 usc 1611 and 15 usc 1640.
Consumer complaint received 2021-06-23
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-03-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I started to realize that my principle wasnt coming down on the original loan. After discussing with an agent i was informed that i had only been paying the interest on the loan and it was accuring at {$8.00} a day which further made me realize that I will never beable to pay off the loan at this rate. They werent willing to adjust the interest accurring..
Consumer complaint received 2022-02-02
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (TX)

Unfortunately I have no choice but to reach out here as I have exhausted all other methods of communication with PayPal, Synchrony Bank and the collections agency. All of these entities state the issue is the other agencies fault and are unwilling or incapable of accepting responsibility, providing assistance and refuse to speak to each other regarding my account, so that we may resolve this issue. 

I placed a purchase with PayPal a few months ago for an event that was ultimately cancelled. I waited for the refund, but it never came. I reached out to PayPal and they said the payment was in a weird status, they informed me that they were physically unable to do anything with the transaction, but they had me fax evidence that the event was cancelled and walked me through requesting a cancellation for the transaction. I put in the request, faxed over the evidence and after a few days they canceled the payment ; I thought that was the end of it. Unfortunately I am now finding out that PayPal has placed an unauthorized charge on my PayPal account for {$2000.00} and sold the account to collections without ever contacting me or informing me there was any kind of an issue. 

After many hours and many phone calls to Synchrony bank, PayPal and a collections agency, I have been told multiple times that neither party is willing to communicate with each other regarding my account, they are each telling me to contact the other company and theyre unwilling to provide a reasonable resolution. The only manager that im aware that I spoke with was from Synchrony Bank. She offered to issue a check in the amount of {$2000.00}, however she stated by issuing the check they would debit my PayPal  credit account for that {$2000.00} then reverse the refund transaction from the account leaving me to owe Synchrony Bank {$2000.00} for a purchase that was refunded. I am left with no reasonable resolution, a credit default against me and can only come to the conclusion that PayPal, Synchrony Bank and this collection agency are coordinating efforts to intentionally defraud customer accounts, sell those accounts to generate a profit, while also retaining the authority to prevent customers from escalating these issues and actively suppress attempts to contact their leadership for assistance. I have even gone as far as emailing PayPal and Synchrony Banks investor relations, reached out to leadership and company social media accounts, emailed Synchrony ethics division, filed a XXXX  XXXX  XXXX  complaint, submitted a complaint to the Federal Trade Commission, filed a complaint with the FBI, submitted an official report with the Texas Attorney General and filled out an official police report with local law enforcement in order to get this issue resolved and I am still unable to communicate with any executive leadership or get a resolution from PayPal or Synchrony Bank.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

usps is posting and reselling consumers information wo consent. creditors and marketers steal such info and use it to abuse the consumer repeatedly. debts under fcra guideline for removal are harassing customer after being removed from credit files. this is extortion. same creditors are attempting to further abuse and repost debt collections activity which is illegal. 

this is allowing companies like capital one to harass and extort consumers because they refuse to sell the debt, negotiate the debt or remove fraudulent debt. this is detrimental to the consumer in ways you cant fathom. 

ALL RESPONSES MUST BE IN WRITING. NO VERBAL PHONE TAG.