davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$14000.00}, {$5400.00}, {$19000.00}, {$25000.00}, {$10000.00}, {$9700.00}, {$27000.00}, {$0.00}, {$4100.00}. 
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 {$13000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 


-- AUTO ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.
Consumer complaint received 2018-06-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

loan XXXX I had to call to find that I had a credit balance that I could use lender emailed me the form ; I signed and faxed back I asked to have the check expedited since I need it for high electric bills in AZ rising to111 degrees lender will not XXXX XXXX the check its going to take up to 3 weeks for the check to be received
Consumer complaint received 2024-01-31
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. (MD)

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 2020-11-26
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: EQUIFAX, INC. (AL)

I have reached out to Equifax on several occasions about a bankruptcy, collection on my report from XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX. I have sent them proof that I have reached out to all creditors and they have yet been able to send any proof that this collection is mine, yet Equifax still has it on my credit report. They also have not shown me or told me how they have verified the bankruptcy as mine.
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ARVEST BANK GROUP, INC. (OK)

Arvest Bank in XXXX, OK. On XX/XX/2018, I walked into a local branch to close my account and was told by the clerk that she could not close the account but that I could wait for a sales person to become available to help me. I chose to withdraw all my money from the account and then indicated I would go through their XXXX number since I did not have time to wait for the local branch sales person. 

I then went home and contact Arvest through their XXXX line. After 20 minutes of hold time, a representative came on the line to take my information down and then told me that they could not close my account, but if I would hold, they would get a representative on line that could close my account. Another 10-15 minutes of hold time and the initial rep got back on the line to apologize that all of the reps were busy ... but one would call me just as soon as they got off another call. 2 hours pass. 

I call again to the XXXX line to go through the exact procedure above, again to find out that no representative is available to help me. I know they are stonewalling me and will try to keep me hanging long enough to charge me a fee for insufficient funds in the account ... this seems very poor and I don't know what I can do about it except ask for your help. 

Thanks, XXXX
Consumer complaint received 2018-02-23
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: CITIBANK, N.A. (HI)

I have a credit card with Citibank with the credit limit of {$9000.00}. Yesterday XX/XX/18 i requested a credit line increase to {$15000.00} through the mobile app. Citibank shortly approved the credit increase to {$15000.00}. I checked my credit report and found out that Citibank ran a hard inquiry that same day on XXXX  which resulted in dropping my credit score down. I did not consent to a hard inquiry nor was I notified that a hard inquiry would be made in response to my credit line increase request.
Consumer complaint received 2019-05-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX ; XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX - account numbers XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-07-16
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$14000.00}, {$5400.00}, {$19000.00}, {$25000.00}, {$10000.00}, {$9700.00}, {$27000.00}, {$0.00}, {$4100.00}. 
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 {$13000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

6. XXXX/XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 


-- AUTO ACCOUNTS 8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (FL)

I am writing to find out why XXXX XXXX can just close an account you have had for 28 years, no money was owed, everything was current! This happened to me with a XXXX XXXX. No notification given, I went to use the Card after I had filled my car with gas, only to be told my account was closed. I was shocked. They are doing this to all accounts that they have power over. This has to be against the law thus my reason for filing this complaint. I feel this is total discrimination, especially against a recovering XXXX XXXX patient.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (NJ)

I purchased a couch in XXXX from XXXX XXXX XXXX using their credit card. The couch consisted of three different sections. Two sections were delivered in XXXX and the other section was delivered in XXXX. The original agreement was for 18 months no interest if paid in full by the end of the term. I set up recurring payments from XX/XX/XXXX to the present day. I've done this multiple times in the past with other furniture from the same company ( XXXX XXXX XXXX ) and have always paid the full balance at the end of the term. The first term for this purchase ended on XX/XX/XXXX, and the next term ends in XXXX for the other section delivered later as described above. I paid the amount in full for both the XXXX and XXXX terms on XX/XX/XXXX which totaled : ( {$1900.00} ). Unfortunately only the minimum recurring payment of {$67.00} was applied in XXXX. I'm not sure why the entire amount didn't go through. I noticed this discrepancy on XX/XX/XXXX and called the company immediately to discuss the situation and resolve the balance due. I paid the full amount remaining on the original purchase of ( {$1800.00} ) while on the phone with the representative to ensure the final payment did go through. I'm am now being charged ( {$980.00} ) in accrued interest. I called to see if they were able to waive this accrued interest fee since I did attempt to make the payment on time in XXXX and did make the final payment in full within threXXXX weeks of the original due date. I was advised to file a dispute for the interest being charged. I'm being told there will be a waiting period of up to 90 days before I hear a decision. I've been a loyal customer for many years and have always paid my bills on time with this company. I'm very upset that they are not willing to work with me and have me sweat out the two billing cycles to see what comes from this dispute which I'm sure will ensure additional interest and late fees. They did tell me that they would have waived the accrued interest fee if I called within two weeks after the due date, but since I was a week late, there was nothing they could do to help. Any help is appreciated. Thank you.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

Ally Auto has not updated my credit report to the credit bureaus since XX/XX/2020. They have my balance listed as {$9500.00} when my account balance as of XXXX XXXX is {$8700.00}. Also a late payment 30-59 days for the month of XXXX is listed on my report that i paid in XXXX. All these issues have resulted in a 140 point drop in my credit score which I need to be corrected.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO. (TX)

I opened a bank account with chase bank and used my over draft for roughly XXXX.  Shortly after opening I suffered A XXXX and was out of work so I was unable to deposit the overdraft back into the account in A timely manner. I asked A family member for help to clear the account and they wrote me A check in which I deposited into the account. The family informed me the next day she wrote the check mistakenly from the wrong check book. ( She has multiple accounts ) I immediately contacted chase and asked them to do a stop payment on the check so that it would not become available and overdraft my account more. They stopped the check and all was fine. Eventually the account closed due to me not paying the XXXX in time. I went to open a bank account and was informed chase has reported " Account abuse '' on my banking history report. I never abused the account and it was closed due to the overdraft. I spoke with XXXX XXXX who informed me to write a dispute. I completed the dispute and has had no outcome or resolution since. I informed chase in branch rep that I would be willing to pay the XXXX as I am back working. But I would like the incorrect info removed. I informed her it should have showed closed die to overdraft because that's why I owe the balance. I was informed they sent an email but due to cornavirus they're not sure when I would get a call back. It's been almost A month and this is still on my banking report with XXXX XXXX.
Consumer complaint received 2018-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Select Portfolio Servicing is foreclosing n my house on XX/XX/XXXX. I just received an Ordinance Violation for disrepair of the roof. SPS has held this money since XXXX hey have not worked out an amicable repayment on my mortgage. I am currently on unemployment and recovering from XXXX. 
With the original HAMP/HARP/their loan modification program, I submitted the paperwork in a timely manner. As they requested I called every two ( 2 ) weeks. I was told their was a " computer issue '' and they could not produce the documentation. Their ombudsman stated there was no computer issue. My mortgage went from $ XXXX to over {$700.00} then up to over {$900.00} per month including insurance. I wanted to obtain my own homeowners insurance but since SPS would not release the fund for the claims, no other insurance company would insure the house. I am being forced to move from my home by the end of XX/XX/XXXX. Due to my current health conditions this is virtually impossible and may put my life at risk.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

Hello, There is a Chase Card on my credit report, I don't even have the full account number just the partial provided on report. It says it was opened in XX/XX/2017 last year. Oddly enough it has a credit limit of {$11000.00}, but there is {$21000.00} balance and it has been like that since it appeared on my credit report. It says there is a monthly payment of {$660.00} and it appears to be " current '' with a couple months with late payments according to my report. There is an inquiry on my report for this card on XX/XX/2017. I assure you I XXXX XXXX XXXX did not open a credit card on this day. I only have one credit card and its with XXXX XXXXXXXX XXXX. 
I did not open this credit card but do know this was around when the XXXX  security breach occurred. This card is not on my husbands credit report either. 

I have disputed it many times, but this is fraud and I need help getting it off my credit report! I don't know even where to start with Chase since trying to get it removed with a online dispute hasn't worked. Please help! I do not have a Chase Card. This is causing huge issues, I believe this is a part of the breach and I tried to get help from XXXX as well. I did not authorize this card inquiry and this is not me!! 

Please help me!
Consumer complaint received 2020-04-30
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: Midwest Recovery Systems (TX)

I reached out to this company several times as they are reporting A medical bill from XXXX XXXX XXXX. I have not nor have I ever recieved care from this facility or any other facility during the time they are reporting. I wrote A letter to the company requesting proof of this debt. Showing orginal documents with my signature and photo copy of DL. Which they would have if I seemed there service. I have not recieved a response and this incorrect information is still reporting to my credit report.
Consumer complaint received 2018-02-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC (FL)

I have been receiving harrassing phone calls at work, home, and on my personal cell phone from a companyh FMR ( Forward Movement Recovery ). Every time they called it was a recording stating my name & they were looking for my whereabouts. AT the end of the recording it says to press 0 to speak to a representative. At that point you're placed on hold & then you are hung up on. Today I called the number back ans spoke to XXXX. AT first he was very friendly & stated that I took out a payday loan from a company called XXXX XXXX  XXXX back in 2014 & I never repaid it. He knew my place of employment, my bank account iformation, and my home address. I asked that something be sent to me in writing and he said that he would once he verified my personal information. He stated that this company has attempted contact me via email and regular mail for years & I have not responded. This is FALSE. I have never taken out a pay day loan. When I told XXXX that this was a scam & that I would be reporting this he became very aggressive and rude. Telling me that I was threatening him & he was no longer willing to send me any documentation about this matter. He said that he has my voice recorded saying that I was refusing to pay & that I was reporting them. I just want this to stop. I have never applied for any such loans nor have I ever received any funds. The person I spoke to was XXXX at FMR XXXX ext XXXX
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i took out a XXXX  Diaster loan during the pandamic and the bank said that they were advised that there was an issue with fraud when the funds were given. 

I was advised by Captial one that they were closing the account that the money was transfered into and that they were closing the account and sending the money back the the XXXX  but i have spoken with them and as of today the funds have not been received by them and i do not know where the money is i do not want the money back i just want to get the money to the approitate people because i am responsible for paying back this loan
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX CARD # XXXX, XXXX CARD # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

They have been calling every day for several months, looking for a XXXX XXXX, XXXX years old. I am XXXX. The person they are looking for, I believe, is from XXXX, CA. I am sick of these calls. Asking for the debt to be paid. The last incident was on XX/XX/2021. They previously called at XXXX XXXX. They call several times a day. I have Previously informed Them I want the calls to stop.
Consumer complaint received 2020-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (IL)

My transfers begin the XXXX  if each month with Marcus By Goldman Sachs accounts. They give customers 6 transfers. I logged into my account and scheduled a transfer for XX/XX/2020 and the message I got was letting me know they were blocking my account from legal transactions and were not giving the money to me as promised by contract. Attached is an image of what the screen showed each time I tried to schedule for XX/XX/2020. They blamed it on their website which is not true this is how they deny XXXX customers their money.
Consumer complaint received 2022-09-12
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. (FL)

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions