davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2019-08-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NH)

I am a XXXX year old widow, I was notified by People 's United Bank XXXX CT about four weeks ago that I had a matured CD and that if I took no action by XX/XX/XXXX that it would be sent to the State of NH. I had totally forgotten this CD, partially because I have not received any correspondence " forever '' - found out it was open XX/XX/XXXX as a 24 month CD with the XXXX XXXX ( defunk ) XXXX. I am not sure how long People 's has had the CD, it may have gone thru two or three other ( defunk ) banks? 
I live at my current address in XXXX, NH and have lived in XXXX my entire life ; providing change of address information to the XXXX, some four years ago. If People 's  had attempted " at all '' prior to this time, I am assure communication would have been made. 
On Saturday XX/XX/XXXX ; I and my brother in law XXXX XXXX XXXX ; who is typing this, is authorized to act on my behalf, went to the branch bank on XXXX XXXX, XXXX NH. 
We talked with XXXX, gave her the XX/XX/XXXX letter I received ; she was only able to supply very limited information. 
CD opened XX/XX/XXXX for {$21000.00} maturity XX/XX/XXXX and that " last year '' it earned XXXX {$95.00}! 
I asked what was it's value " today '' and she responded {$26000.00} I told her I wanted to close it out, she said would have to be by check. 
She prepared a check, and I do believe she had me sign a form. 
Put the check in an envelope and we left to deposit at XXXX XXXX. 
It was at that time XXXX XXXX saw the check was only for {$25000.00}! 
He called People 's XXXX asked why was ~ {$800.00} less than the amount she had said was today 's value, she said was Penalty for early withdrawal and that it is an amount established by the Bank and she had no control over it. Told her not satisfied, she offered no further assistance or to talk to a Bank Manager. Told her I would report to the NH Banking Commission, which led me to you. That has been the extent of working with People 's Bank, thinking best to turn this over to authorizing agency. 
I don't understand how this CD has been rolled over 6/7 times with no authorization by me. I don't know why there has been no letters/communication. I don't understand why there would be an {$800.00} penalty at this time, certainly would consider a ~ {$100.00} penalty. I have a copy of the XX/XX/XXXX letter and of the check, not sure if I will be successful in attaching. I do not know why you do not require my personal ( name etc ) information in order to properly address this issue. I have no objection.
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (CA)

I created a chime account and deposited XXXX dollars into the account from my XXXX XXXX account not even 2 hours later I was signed out and could not log back in because my account was locked for security reasons I went through the email game that they okay sending in all documentation to verify my account but all they would respond with is that the documents cant be verified. After my 4th attempt they sent me an email saying they decided to end my supper key and I havent gotten any emails since and its been two weeks. I feel scammed and I just want my money back I dont even want the account anymore
Consumer complaint received 2021-09-15
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. (FL)

Suddenly appeared account that is not mine. Someone used my personal info and as a result I have this item in my credit report. Please delete this account because its not mine.

This is that account : XXXX XXXX XXXX XXXX Thank you for understanding )
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc. (TX)

I received an alert that XXXX XXXX XXXX put a collections account in my credit report. I contacted the company and a rep named XXXX answered the phone. I told him about the amount. It stated that my highest credit limit was {>= $1,000,000} and it was incorrect. He then stated that the credit bureaus must have typed that information in. I then asked for verification of the amount owed and the original amount of the debt. He then told me that he was not he was not going to send me out any paperwork so I can decide if I want to pay. He told me that I shouldnt have went into Conns with the intent of stealing or not paying for the merchandise. He then hung up.
Consumer complaint received 2019-08-28
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. (GA)

ALL 3 " CRA '' CONTINUE TO REPORT INCORRECT DATA VILATES FCRA PROVISIONS 604,605,607,611 AND 623..NOT MY ACCOUNTS ON FILE ... XXXX   XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX  '' ... REMOVE AND CLOSE OUTDATE OVER 7YRS, NOT MY ACCOUNTS, AND ID FRAUD
Consumer complaint received 2019-08-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My loan to value ( XXXX ) is currently at 75 %. I contacted this company to remove my private mortgage insurance since I am still paying when I no loner required to do so. I previously requested removal of PMI which has not occurred. As a result, I would like it immediately removed and reimbursement of the all PMI since XX/XX/2018 ( when my loan was transferred ). This company continue to state that it takes time or they haven't received my correspondence.
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — Store credit 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: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I generated credit report by XXXX on XX/XX/XXXX and was surprised to see XXXX XXXX/XXXX account/ Portfolio Recovery Associates and the charge. 
Detailed scenario is as follows '' I had visited XXXX XXXX Store, XXXX XXXX, CT on XX/XX/XXXX and purchased few items. On payment counter, I submitted my personal information along  with my social security number to apply for XXXX XXXX credit card. As per the executive at the payment counter, my credit card application could not be processed. Hence I had to swipe XXXX credit card which I had that time. 

Apparently XXXX XXXX charged me {$37.00} to XXXX XXXX credit card instead of XXXX credit card. When I tried to check my XXXX purchase history, I was unable to find the XXXX XXXX transaction. Also verified with XXXX customer care that the transaction was not completed and hence can not be located. 

I am not agreeing to the disputed charges as the XXXX XXXX XXXX have not issued me any card till date. Also, I have never received any kind of communication. Not an email, letter notification or even a phone call. 

Now this account has been transferred to PRA i.e XXXX XXXX XXXX XXXX, ( Dept XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX ). 

I have approached myself to XXXX XXXX, XXXX XXXX & then PRA for clearing this pending amount appearing on credit report where I raised a dispute with PRA. 

I received a letter from PRA on XX/XX/XXXX stating " We have already responded to previous dispute same as the present dispute and the matter is closed from our side ''. I have attached all the communications from PRA till date where they are not giving me proper response for the queries I raised. 

As this issue happened due to carelessness of XXXX XXXX XXXX. Now PRA LLC is not considering points mentioned by me and the response given by them are not specific to my case and seems to be very generic. 
Could you please investigate this issue and help me to resolve this without penalty charges? 

Appreciate your help, Thank you.
Consumer complaint received 2018-02-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Discovery Systems, LLC (FL)

I was contacted by Account Discover Systems, LLC attempting to collect a payday loan debt on behalf of XXXX. I was told the amount I owed was {$8000.00} during the call the collector after only me saying yes to my name and date of birth which he gave out mentioned my employer, names of family members and complete social security number. 

I do not believe this debt is mine. I do not believe the loan was from a legally licensed lender in the State of Oklahoma and do not understand how such a collector has and is willing to give out my personal information. I have already disputed this information with XXXX XXXX XXXX, XXXX previously. 

I have requested the lender cease and desist all phone contact with myself, any assumed references and my employer. I have requested validation of the debt, calculation of the amounted owed which was stated as {$8000.00} and the license of the collector original lender validation of the collectors ownership of this presumed debt. I was also threatened with a lawsuit and when inquiring about the jurisdiction was not provided the information.
Consumer complaint received 2023-01-31
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. (IL)

I recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity death. I found numerous accounts on my credit report. They were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.
Consumer complaint received 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I contacted TransUnion on XX/XX/XXXX about the following accounts that are not mine ; XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$710.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$690.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$1800.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ). TransUnion have not responded to my request to investigate as they are required by the FCRA. Attach is a copy of the disputes I send them
Consumer complaint received 2018-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (CA)

last year XXXX I received a call from XXXX debt collector stating I owed money and a letter, I called the number on the letter and told the creditor that is was dismissed in the bankruptcy XXXX i had filed in XXXX. I did not hear back from them and now they have put the debt on my credit report this last week and it has been 10 years since the account went into collections and since it was dismissed in my bankruptcy. 
I don't know what else to do to get them to stop coming after me for this debt that was resolved.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (TN)

DIVERSIFIED CONSULTANTS has been calling me for about 6 months now every day around XXXX a.m. and sometimes in the afternoon about a bill that was paid years ago! 

I don't owe XXXX {$320.00} yet DIVERSIFIED CONSULTANTS keeps calling me everyday! 

NOW they have reported me to the credit bureaus for a completely false bill that has BEEN paid. 


DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Last Reported XX/XX/XXXX Collection Agency DIVERSIFIED Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- XXXX XXXX XXXX {$320.00} High Balance {$320.00} Remarks Placed for collection
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (MD)

In XXXX I noticed that Discover had decreased my credit line from XXXX to XXXX when I called them they stated it was because of when they did a soft poll on my credit report and the information that they found had them decrease the card but I find it really funny because that same week I was approved for another Discover card with a {$3000.00} line of credit and Discover is refusing to place my faves Discover card credit line back to the XXXX I never was late always paying my bill on time and I find this very absurd and very distasteful I never had my credit line decrease And this is truly embarrassing no documentation was sent out to me to inform me of this matter nor was a phone call
Consumer complaint received 2020-07-23
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: Experian Information Solutions Inc. (NY)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Public records suppressed from reporting as public information. All three credit bureaus are knowingly reporting public records information even after provided a letter from XXXX XXXX who provided the public information to the credit Bureaus. Method of verification or reporting is obsolete since suppression is in place. I have attached a copy of suppression letter
Consumer complaint received 2019-08-28
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. (TX)

XXXX and Trans Union are reporting a collection with an incorrect balance of {$9000.00}. The high credit, balance and past due amount are all incorrect. I bought a car from XXXX and voluntarily turned this car in and it was sold at auction. I was told that I would be responsible for the remaining amount AFTER the auction price was deducted. XXXX XXXX XXXX now owns this debt and they will not give me an itemized statement showing what the balance should be. In addition, the date of last activity is far older than the 2014 date. This {$9000.00} collection is harming my score and keeping me from improving my credit. Please remove this from my report or update the correct balance. In Texas the laws are : Deficiencies In the event a car owner voluntarily returns the car to the lender, the lender is still entitled to file a lawsuit to collect any deficiencies that may result from the repossession. A deficiency is the difference between the amount the car owner owes on the car and the total amount the car actually sells for at auction. Lenders who sue car owner 's for a deficient balance after a voluntary repossession may also collect other fees associated with the repossession of the vehicle such as sale preparation costs and legal fees.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I received an email allegedly from CapitalOne with a subject, " Congratulations CapitalOne Customer. '' The problem is, neither my husband or I have a CapitalOne card, nor do we have any other kind of financial relationship with CapitalOne. I do not know if the supposed account is in my name alone, his name alone, or if it is an alleged joint account as we do not have a CapitalOne account. I opened the email, but I did not respond or go further. 

On XX/XX/XXXX, I received an email again from allegedly CapitalOne with a subject, " Expiring Soon : Your {$50.00} CapitalOne Reward. '' I did not open the email. I just flagged it with a question mark. 

Last night, XX/XX/XXXX at XXXXXXXX XXXX, I received an email again saying that it was from CapitalOne with the subject, " Congratulations CapitalOne Customer. '' I opened the email and was going to reply with the note that I was not a CapitalOne Customer and asking why I was receiving the emails. However, I thought better of it and did not reply or open the email any further. 

I am concerned that this is a scam and, although it does not appear to have affected me at this point, although I am not sure about that, I believe it should be looked at because if this is being sent to many people and by opening the email, or going further with their bait, someone's identity or finances might get compromised.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Public records suppressed from reporting as public information. All three credit bureaus are knowingly reporting public records information even after provided a letter from XXXX XXXX who provided the public information to the credit Bureaus. Method of verification or reporting is obsolete since suppression is in place. I have attached a copy of suppression letter
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to bring to your attention an issue I have identified on my recent credit report obtained from your bureau. After reviewing the report, I noticed that there are late payments inaccurately listed on my credit history. 

I understand the importance of maintaining accurate and up-to-date credit information, and I believe there has been an error in reporting my payment history. Specifically, the late payments listed are not reflective of my actual payment history with the respective creditor. 
XXXX XXXX XXXX XXXX To assist you in resolving this matter, I have attached supporting documentation that demonstrates my timely payments for the mentioned periods. These documents include bank statements, payment receipts, and any other relevant proof of payment.

I kindly request that you investigate and correct the inaccuracies in my credit report at your earliest convenience. It is crucial to me that my credit history accurately reflects my responsible financial behavior and I trust that your bureau will take the necessary steps to rectify this error promptly.

Please inform me of the outcome of your investigation and any actions taken to correct the inaccuracies. Additionally, I would appreciate your guidance on any further steps I may need to take to ensure the accuracy of my credit report.
Consumer complaint received 2021-12-01
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. (IL)

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 n 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 XXXX 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.