davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Collections-I, LLC (AZ)

Thank you for taking the time to review the complaint. HealthCare Collections continues to furnish unknown debit on the XXXX  profile. 
Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint continues to furnish a collection unknown account on the XXXX  credit profile. Requested validation of a signature and contest to contract.
Consumer complaint received 2019-05-30
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. (OH)

I WAS CONTACTED BY THIS COMPANY XXXX XXXX TO PERFORM A SERVICE FOR ME AND I PAID THEM XXXX ON XX/XX/2010 AND NEVER HEARD FROM THEM SINCE. I WOULD LIKE TO GET MY MONEY BACK. I CALLED CHASE VISA CREDIT CARD TO REPORT THIS FRAUD TO THEM AND THEY DID NOTHING. PLEASE HELP ME GET MY MONEY BACK
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My credit reports are reporting the incorrect employer. I received an alert on XXXX/17 that I work for " XXXX XXXX '' and that is not accurate. My employer has already been reported and the correct name is XXXX XXXX.
Consumer complaint received 2021-04-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (NM)

I refinanced my mortgage with CMG Mortgage Inc. on XXXX XXXX. At the time of the refinance, {$5200.00}, net of an aggregate adjustment of {$1000.00}, totaling {$4800.00} of initial escrow deposit was collected from me to pay the property taxes of {$4300.00} that were due on XX/XX/XXXX. CMG never paid those taxes on my behalf, nor did I receive the funds to pay them myself. Around early XXXX, CMG sold/transferred the loan to XXXX. I tried to call XXXX prior to contacting CMG and I just kept getting transferred to multiple people that would tell me that no tax payments were made. I contacted CMG in XXXX regarding the missed tax payment and they told me the " Loan has been sold/transferred ... CMG no longer has access to the account .... CMG has no funds ''. At the time of transfer, CMG noted that {$4800.00} plus {$860.00} ( from my XXXX mortgage payment ) totaling {$5600.00} was transferred to XXXX. Upon logging into my account with XXXX, this total was not reflected in my escrow account at transfer and was {$1700.00}, about {$4000.00} less than it should have been. As CMG would not take accountability or help me rectify the situation, I then contacted XXXX on XX/XX/XXXX. I was notified that I needed to submit the delinquent tax documentation to them. I sent the required documentation to them on XX/XX/XXXX. XXXX has since paid my delinquent taxes, but my escrow account went into the negative. XXXX has done research and noted that they only received {$1700.00} from CMG. I have corresponded with CMG through email and calling no less than 8 times, to request a copy of my documents involved in the sale of my loan to verify the full {$5600.00} of my escrow was in fact sent ... only to be told that I would hear back within 48 hours. I have yet to hear back and it has been over three months.
Consumer complaint received 2021-04-27
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. (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake. I also have not received any results for the disputes that i opened on these items from the credit bureaus. Its like they didn't even open the investigations because i have received no notice regarding how the company responded. Please help me any way you can.
Consumer complaint received 2019-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has charged me over {$200.00} in international fees. These fees were not from an international purchase but through an American exchange ( XXXX ). I have spent hours upon hours dealing with this issue without resolve. The bank keeps on sending me back to the vendor. Please help!
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit score with the three leading credit reporting agencies has been over 800 for several years. Suddenly, my TransUnion score dropped 60 points, from XXXX to XXXX in one cycle. 
I called TransUnion and after five representatives over three separate calls, I finally found a representative who helped identify information leading to the change. According to the information, an account I have with XXXX was " closed ''. I explained the only change I had with XXXX was the company re-issued new debit cards to customers in response to a potential breach at a national retailer. The TransUnion representative then stated that made sense since a new debit card would " appear '' as the closing of an account and erase all that history I had with the account. She even said the same thing happened to her once. I stated that did not make sense since the debit card is only tied to my checking account, and my old debit card was up for renewal in the near future anyway and the XXXX reissue just happened to occur first. She insisted that had to be the case since there were no other changes or adverse activities on my report. By the way, subsequent calls to TransUnion representatives offered no help as those representatives just insisted they ' ... don't have to provide a reason why [ my ] score dropped ', and one representative saying, "  XXXX is still not a bad score '', as if that would assuage me. 
I called XXXX and informed the representative taking my call what the TransUnion representatives said. The XXXX representative agreed with me and said there should be no reason why a new debit card issuance would in anyway affect my credit score. 

If this happened to me, it potentially happened to every XXXX customer who had a new debit card issued. I do not fault XXXX, I fault TransUnion. 

Oh, by the way, my credit scores with the other two agencies still remain well over 800. Go figure.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I am writing to file a formal complaint against Experian for multiple violations related to the reporting of two DriveTime/Bridgecrest auto loan accounts on my credit report. The inaccuracies and unauthorized disclosures not only breach the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ) but also implicate the Privacy Act ( 5 USC 552a ).

Inaccurate Reporting of Account Details : Experian is reporting inaccurate information regarding two DriveTime/Bridgecrest auto loan accounts, including balance amounts, balance histories, payment histories, and payment amounts. This constitutes a clear violation of FCRA regulations ( 15 USC 1681 ) as the reported information is misleading and not reflective of the actual status of the loans.

Misrepresentation of Scheduled Payments : The credit report inaccurately reflects scheduled payments, especially in the case of the second auto loan opened in XX/XX/2023. Despite the fact that no payment was expected in that month, the report shows scheduled payments of {$640.00}. Furthermore, in XX/XX/2023, it indicates four total remittances as one payment of {$890.00}. These inaccuracies violate the FCRA, as the reported information does not align with the agreed-upon terms.

Unauthorized Private Information Disclosures : Experian is displaying private information, including payment histories and payment amounts, without proper authorization. This unauthorized disclosure violates both the CCPA and the Privacy Act ( 5 USC 552a ).

I am deeply concerned about the potential harm these inaccuracies may have on my credit standing and the unauthorized disclosure of sensitive financial information. Therefore, I request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take immediate actions to rectify the inaccuracies promptly.

Enclosed with this letter, you will find supporting documentation, including proof of the inaccuracies, relevant legal provisions ( FCRA, CCPA, and Privacy Act ). I trust that the Consumer Financial Protection Bureau will address this complaint expeditiously and ensure the accuracy and fairness of my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a full amount of {$620.00} in the mail to XXXX and they should have received it on the XXXX of XX/XX/2023. They stated that the amount is not paid in full when it is in fact paid off and I have sent a full payment amount. I expect that at the end of the month they will remove the account off of my credit and show that it is paid off in full on XX/XX/2023. It is financial harassment and false reporting to continue to harass me for money I do not owe. I have sent the full amount of {$620.00} which is more that I owe, and I am now pursuing legal action against XXXX XXXX. I expect that my account will show as paid in full at the end of XX/XX/2023. I have sent the payment and they have received it. It is their fault if they claim to not receive it. It is no longer my responsibility once it gets to them. I am sick and tired of their poor customer service and I am now pursuing legal action against XXXX for XXXX XXXX and fraud. I want it off my credit report at the end of this month and I have already sent the payment so it better show paid in full.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (TX)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IA)

On XX/XX/XXXX, XXXX dollars disappeared on my Chase savings account suddenly and never went back. Chase said it was transferred to XXXX but XXXX said they never received the money. Since the only account we have at XXXX is my husbands account, we checked that one and it received no money. Chase did not or has not send me any notification about that transfer. I was surprised to see the amount of money left in my account and made the investigation. They asked me to talk to XXXX but did not recover my money. XXXX said they never received the money. We have contacted with both banks on a daily basis but the only response given is to talk to the other bank. I think it is illegal to have client losing such a huge amount of money with no action taken.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (UT)

1. On XX/XX/2020, SYNCHRONY FINANCIAL add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2019-05-30
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: Experian Information Solutions Inc. (TX)

XXXX is reporting incorrectly to XXXX ; Experian and XXXX a collection for {$1900.00} partial account numbers XXXX. ( Please see page 17 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. I have contacted the three bureaus to correct this error, but have not had any success. Please remove this line item from my credit report.
Consumer complaint received 2018-07-22
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. (AZ)

I am a victim of identity theft. The following credit inquiry on my Experian credit report is fraudulent, unauthorized and dont belong to me : XXXXXXXX XXXX, XX/XX/2018 XX/XX/2018
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My Quick Silver Capital one Credit Card Account that I have had for almost 2 years was closed by capital one and adversely affected my credit score. 

The account has never had a late payment and has been paid off in full multiple times throughout the time I had it. 

I recently had to switch bank accounts and the account I added to pay the bill had sufficient money in the account and I have no idea why the payment was returned. Capital one said there was insufficient funds which is not true. 

I contacted the bank and they said they never had any kind of electronic payment go through but the account information that I gave Capital One was correct. 

I do not feel my account in good standing should have been shut down and credit history ruined because of a returned check that was to a correct account number and that had the funds to make good on the payment. 

1-2 returned payment in a year does not erase a lot more payments that were good and on time. Please reverse this closing to my account that has been paid on frequently with correct bank accounts. 

I will include bank statements from the bank account number that was added to the account and verify that the accounts were good and in good standing. 

Thank you, XXXX XXXX
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Amsher Collection Services, Inc. (CA)

I have been wrongfully charged by XXXX XXXX for one of  there employees starting an account with out my consent or approval of starting a phone line with them I was charged XXXX $ for a phone I never got so he could get paid.after a while it showed up on my credit and I was confused cause I never got anything from XXXX XXXX to be charged then when I read into it they charged me for putting me on there plan when I was unaware of it. XXXX XXXX destroyed my credit and it dropped a lot because of this collection. I want to take action over this for the employee who did this to me and about my collection Im wrongfully charged for owning I would like to get compensated for all of what I have been threw and how XXXX XXXX takes advantage of customers to make a sale and try to get all of there information and charge people for things they dident want to find out latter then minuplate to get there way to sign up with them or lie or say one thing and then take it back or trying to give out promotions when at the end you saved nothing I would like for this to get followed up on and action to be taken cause no one should go threw this.
Consumer complaint received 2016-06-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XXXX XXXX, XXXX, I reviewed my credit profiles from XXXX, and discovered Capital One Bank is erroneously reporting XXXX derogatory credit card accounts on my credit report. I contacted the Capital One Bank fraud department on or about XXXX XXXX, XXXX, and spoke to a fraud account manager, XXXX, and explained that I am a victim of identity theft and that I never opened credit card accounts with Capital One Bank, and requested that this information be removed from my credit files. XXXX requested that I forward all supporting documents and said he will investigate the fraudulent activity. 
On XXXX XXXX, XXXX, I completed gathering the requested supporting documents along with a cover letter stating, " On XXXX XXXX, XXXX, I realized I may have been a victim of identity theft and immediately filed a police report at the XXXX Police Department ( copy enclosed ). 
As promised, I have also contacted XXXX XXXX XXXX and obtained a copy of the claim relating to fraudulent activity on my account, specifically XXXX XXXX ( XXXX ) unauthorized ( ACH ) electronic debits paid to Capital One Bank between XXXX XXXX, XXXX and XXXX XXXX, XXXX ( copy enclosed ). 
I have just today reached out to XXXX XXXX fraud department and initiated a claim in connection with the XXXX XXXX XXXX transaction for {$280.00}. I will advise of the outcome of their investigation and any documentation obtained as well. '' To date, Capital One Bank has failed to remove the fraudulent information from my credit files.
Consumer complaint received 2022-04-08
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

In XXXX, XXXX XXXX provided a letter retracting a billing error made on their behalf. The letter is attached. I have contacted XXXX XXXX on numerous occasions with the attached document, requesting that this alleged delinquency ( made in XXXX ) be removed from my credit report. Despite these attempts, a negative report still exists on my Equifax credit summary. Please have this delinquency expeditiously removed from my Equifax credit report. Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-02-02
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. (GA)

Recently on XX/XX/XXXX I obtained my credit report before applying for a mortgage, I noticed that I had activity on my credit report going back all the way to XXXX from someone obtaining loans and 2 open car loans in my name through a company called " XXXX ''. I do not have possession nor any knowledge of these things. As I investigated further, I have numerous erroneous addresses that I have never lived that along with jobs I have never worked at listed below. 

XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Jobs I have never obtained : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-23
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 (WA)

I received an alert on my XXXX  and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by Capital One on XX/XX/2018. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with Capital One. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security Card and Debit Cards. Please remove this hard Inquiry from Capital One.
Consumer complaint received 2018-07-23
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. (WA)

I received an alert on my XXXX and TransUnion credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security Card and Debit Cards. Please remove this hard Inquiry from XXXX XXXX.