davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
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. (FL)

I am requesting a fair assessment of my credit score by TransUnion LLC and here is why I am making this request ; 1. XX/XX/2021 : These are my screen shots of my credit scores from XXXX XXXX. 
Q : On XX/XX/2021 I had 6 changes to my credit report. 
1 change was my XXXX Card balance increased by only {$40.00} but the ( CREDIT UTILIZATION WAS ONLY 13 % ). My credit utilization was still under 30 % so why did my score DECREASE by 3pts. 
4 changes was that my balances decreased on my XXXX XXXX accounts ( If the balances decreased and the utilizations are under 30 % ( why did my score not INCREASE ) 1 changed was XXXX account was reported as Closed Account. This alleged inaccurate account has been reporting as a Closed Account on my credit for years. The status did not change so why did my score DECREASED 2. XX/XX/2021 : I had 1 change which was my XXXX account balance decreased by {$61.00}. The CREDIT UTILIZATION on this account was under 30 % so why did my credit score DECREASE BY 23PTS? 

3. Credit utilization is based on overall credit available used across all cards. The XXXX XXXX credit card you are showing below is Closed and does not have any credit available ; therefore, why are you including it in XXXX XXXX of my credit score? 
A new account was opened which should have caused my credit score to INCREASE not DECREASE. 

4. On XX/XX/XXXX, my score decreased by 10pts due to a credit inquiry by XXXX XXXX Bank for the new credit card I received. TransUnion normally only decreases points by 2 or 3 points for Credit Inquiries. Why was my credit inquiry for a card that was approved and I received 10pts DECREASE? THAT IS NOT NORMAL. 

5. On XX/XX/2021, there was NO CHANGE TO MY TRANSUNION CREDIT REPORT, but my XXXXredit score dropped by 22 points. IF THERE WAS NO CHANGES TO MY TRANSUNIN CREDIT REPORT, WHY DID MY SCORE DECREASE BY 22 POINTS?
Consumer complaint received 2021-02-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (CA)

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX ( XXXX ). A consumer transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill.
Consumer complaint received 2023-04-04
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. (CA)

I am writing to file a complaint about fraudulent use of my identity by XXXX XXXX. I have recently discovered that my credit was checked and I have a hard inquiry by these companies without my permission, and I have no knowledge of who they are or what they do. 

I strongly believe that this action constitutes identity theft and a violation of my rights as a consumer. I never gave any consent or authorization for XXXX XXXX  to access my credit information, and I have never had any business dealings with them. 

I request that any negative information associated with these unauthorized inquiries be removed from my credit report immediately. I also request that an investigation be conducted into the matter to determine how my personal information was obtained and used without my knowledge. I want them deleted now. 

I appreciate your prompt attention to this matter and look forward to hearing back from you soon.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I have a collection that was recently added for XXXX XXXX XXXX for the amount of {$210.00} by Eastern Account Systems. I have contacted them about this collection but Eastern Account is saying they did not report this and have no record of it. I also contacted the medical facility and they don't show me having a balance.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AP)

USAA has filed a delinquent account in my credit report that im unfamiliar with. Ive requested written documentation that provides proof the delinquency belongs to me. The total amount due is {$4100.00} from a credit card account. It states the account was a charge off from USAA Savings Bank, XXXX XXXX   XXXX XXXX, XXXX XXXX, TX XXXX USA. I've written multiple certified letters requesting info pertaining to why this is on my report and ti remove/ delete the urn if they can't provide proof I am the one who opened the account, but I've received no response on the matter. Please assist in the matter.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

Over the past 6 months, my debit card has been compromised at least 4 different times with 4 different debit card numbers on my Citibank account. 
They give me provisional credits flyer 10 days but by then my bill payments and other valid transactions bounce and cause lots of other work and problems. 

Its a nightmare changing all my online banking over to new debit card accounts each of these times. 

I always have some type of issue when I call the Citibank fraud department. They have scripts and do not know how to solve issues outside of their simple scripts and I end up waiting a total of hours on the phone to remedy the fraud issues. 

Each time they resolve my fraud cases and then the fraud happens again on the new cards. Even if I am at fault by putting my information online somewhere that is being compromised, they should still be able to track this down after multiple times and provide a solution. 

My Citibank checking account has been open over 20 years and not I dont trust that they can keep my money safe and have started to use another bank for my checking and bill pay needs. 

I want this filed as a formal complaint against the Citibank fraud department for not adequately handling the fraud cases. By the charge types and locations, its very obvious that its the same individual or group responsible for this and if I can deduce this, so should the Citi fraud investigators or local XXXX California authorities. Something must be done and I can no longer trust Citibank to keep my debit card/checking account secure from ongoing fraud.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (MI)

A XXXX XXXX  XXXX account was opened in my name without my consent. Then a chase card was opened using my social security number but under a different name. Both account documents were sent to my home address, which was the only reason I found out they were opened.
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated (IN)

I owed XXXX a credit card debt that has been charged off in XX/XX/2015 and a debt collection company UNIFUND CCR LLC has taken over debt and has filed in court a case to collect debt, which the original debt belonged to XXXX and now there trying to sue me I think thats not right since it was charged off please advise thank you
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (AZ)

Hi, I have reach-out XXXX XXXX since XXXX. I have sent letters asking to show a contract with them with my wet-ink signature. They refuse to acknowledge. I recently sent an affidavit of notice dispute the debt received on XX/XX/XXXX. Tracking number is XXXX. They did not answer. An Non-respond affidavit in commerce is accept the complaint as true. Receipt of this AFFIDAVIT OF TRUTH & FACT requires a response as stipulated above, acquiescence will be your answer to all below statements if respondents fail or refuse to provide a written response in the form of a rebuttal Affidavit. Acquiescence means A persons tacit or passive acceptance ; implied consent to an act. Review Morris vs. NCR, 44 SW2d 433 which states : An Affidavit if not contested in a timely manner is considered undisputed facts as a matter of law. Also, review U.S. vs. Pruden, 424 F.2d 1021 ( XXXX ) which states : Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. XXXX XXXX did not rebuttal any point-to-point answer with their own affidavit. I also filed a postmaster criminal complaint under title code 18 U.S.C ss 1342 fictitious name and address and title 18 U.S.C. ss 1341 Fraud and swindling. XXXX XXXX only sent a general letter that does not address any of my complaints or any proof of a sign contract. Under the Law, there must be a signed contract for them to collect a debt. WHERE IS THE CONTRACT SIGNED BY ME. SHOW ME THE PROOF? I finally filed a U.C.C. 1 financial statement with the ILLINOIS SECRETARY OF STATE placing a lien on my estate claim the name. I also filed with the ILLINOIS SECRETARY OF STATE COMMON LAW TRADEMARK AND COPY RIGHT NOTICE. The Illinois has accepted the filing and the lien number is XXXX and XXXX. XXXX XXXX will have to a do a U.C.C Lien search to get confirmation. ILL and certified the lien on XXXX time XXXX XXXX.
Consumer complaint received 2022-04-29
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (GA)

On XX/XX/XXXX I sent my mom {$100.00} for XXXX XXXX. On XXXX XXXX she went into XXXX XXXX located at XXXX XXXX XXXX, XXXX, SC XXXX to pick up her money and while in the process was told something had happened to their machine so she did not receive her payment from there. She then went to another location and was told the system was showing it was picked up. I have been in constant contact with Western Union since XX/XX/XXXX, I was told it could take up to 21 days to do an investigation. As of XX/XX/XXXX, which is the 22nd day, Im being told now it could take 21-60 days, I have received no information whatsoever other than its still being investigated and Im done waiting. I feel as if the people whom Im speaking with over the phone are giving me the run around.
Consumer complaint received 2023-01-19
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. (NY)

I have sent several correspondence to this companies with no response its past the 30 day mark and yet no replies, pursuant to the privacy act of 1974, my federally protected rights are being violated by the credit Reporting agencies. According to 15 USC 1681b I demand all this inaccuracies be deleted off my file. see the attached Documents for all other information regarding this issues.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NC)

Hi, I sold my property in XXXX XXXX, VA in Mid XX/XX/XXXX. I have not received the refund of my escrow account yet. The amount to be refunded is {$5200.00}. 

I have emailed twice and spoken to " The money source '' - loan servicer thrice. The first time was in XXXX and was told that they check was sent to the previous address rather than the new address ( although in the closing document I had stated where to send the check ). I spoke to them again around mid XXXX and was reassured I will receive it in 2 weeks which did not happen. They confirmed the new address. I called again today ( XX/XX/XXXX ) and was told that they have sent a request to refund again and I spoke to " XXXX ''. He refused to give me his last name. 

I have been going back and forth for the last 3 months and I am frustrated with the process.
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MI)

Caliber home loans serviced my loan from about XX/XX/XXXX to XXXX. I know 100 % they messed up my escrow account. They either paid my property taxes twice. They either took the overage of extra payments of {$150.00} because of a shortage. After 2-3 years with me paying an overage they sold my loan to XXXX XXXX  and no one can explain why I am in the negative with my escrows. I don't have the time to dig up through files and waste my time over this. I am eventually going to pay off the mortgage and never deal with an escrow/impound account. Caliber needs to be investigated regarding their servicing department. I know 100 % I am not the only person that has dealt with this. 

Something fishy and shady is going on with. It is either the city of XXXX XXXX MI, or Caliber home loans.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

good day i sent a affidavit on XXXX notify XXXX and equifax that they were in violations of the Pursuant to FCRA : 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] this specific accounts have been inaccuracy reporting on my credit file. 
I sent EXHIBIT A, B, C showing that CREDIT REPORTING XXXX XXXX removed the public record bankruptcy from my credit file which in turn made XXXX and equifax reporting this account inaccuracy on my file. i sent letters showing that they are now in violations of 15 U.S.C. 1681i ]. XXXX update the file
Consumer complaint received 2019-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (VA)

The company : DEBT RECOVERY SOLUTIONS, is reporting to Consumer Credit Agencies a debt of {$780.00}. 
The only information provided is " Original Lender : XXXX XXXX XXXX XXXX ''. 
There is no information to prove that this debt is valid, or if it can be reported, and I have no information regarding this debt. 
There is no information about when this debt was originally owed, or placed for collection, and they have provided no information to support it. 
The information of the company is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2020-09-11
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. (NY)

I submitted a dispute letter regarding inaccuracies on my report on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't receive a response. To my knowledge the company has 30 to 45 days to respond to my dispute. They are in violation of the fair credit reporting act. These inaccuracies are drastically effecting my credit score. 
I understand we are in difficult times but these inaccuracies must be corrected. Thank you and XXXX XXXX.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (RI)

I called the XXXX Credit Bureaus after I purchased a credit report with XXXX XXXXn XX/XX/23. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts be corrected. 

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 2021-06-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On Wednesday XX/XX/XXXX my primary checking account was hacked for {$9900.00}. A complaint and claim was filed at the bank ( Citizens Bank ) the same day and new savings account was opened to transfer most of the remaining funds. At this point I had 2 checking accounts and 1 savings account. The one checking account was hacked and only credit transactions to come in, no debit transactions. Some money was transferred to another checking account to stay active for monthly bills. On XX/XX/XXXX this other checking account was also hacked for {$1200.00}. Another claim was put Into the bank the evening of XX/XX/XXXX. There was supposed to be a hold on all accounts starting on XX/XX/XXXX so that no other debits could be made from any of the 3 accounts ( 2 checking, 1 savings ). When I woke up today ( XX/XX/XXXX ) I checked my accounts and there was a debit from my savings account for {$9700.00}. This saving account was a brand new account opened on XX/XX/XXXX when I went into the bank in person to put a hold on my account and transfer money into savings. At this point I believe these incidents are identity thief. Someone has access to all my banking information, my signature, and probably my social security number. Almost 3 different accounts were hacked for over {$20000.00} in less than a week. I am extremely disappointed in Citizens Bank for letting these transactions happen and will no longer be banking with them after this is resolved and the money is returned.
Consumer complaint received 2020-11-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I submitted a written dispute letter to Transunion to dispute items on my credit report. I have not received a response and they have NOT provided me with a copy of ANY original documentation after several attempts.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

I am the consumer, original creditor and natural person. Discover Bank violated my rights by closing my credit card account -ending in XXXX without my consent or knowledge. Pursuant to 15 USC 1602, the closure of my account was unauthorized as I, the cardholder, received no benefit from its closure. Discover Bank closed my account because the alleged balance on the credit card account had not been paid however, pursuant to 15 USC 1602, the credit card account was an open end credit plan and should have no limit. Discover Bank discriminated against me by closing my account. Pursuant to 18 USC 8, all bills are the responsibility of the United States.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.