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: 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. (FL)

I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.
Consumer complaint received 2021-09-05
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. (TX)

on XX/XX/XXXX, XXXX I sent letters to XXXX XXXX about a a car loan that was paid by my insurance company and Gap insurance. The car was listed as a loss on XX/XX/2018. It was being paid in a chapter XXXX payment plan until the accident. The account has be placed as a new account on my credit report with a open balance of XXXX and being reported late in collections of 120 days. The account should show closed and not open.
Consumer complaint received 2021-12-01
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. (CA)

I have reported this matter to chase credit card services and I have provided a police/ftc report XXXX They are stating these transactions are valid when they are not. I had lost my drivers license with my wallet and my credit cards in my wallet. I need this to be resolved i will be escalating this matter to where it needs to be escalated to get it resolved. I am not responsible for any charges and need this to be taken care of and can not afford to pay for someone elses transactions.
Consumer complaint received 2021-09-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a complaint against [ Transunion & XXXX  ].

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with [ Transunion & XXXX  ] to date.

I am requesting your assistance in putting an end to this matter. 


. I have never heard of this company nor have I ever done business with them XXXX/XXXX  Account Number : XXXX Prove to me that I legally have a binding associate with you because i didnt go into debt with you I defaulted with the original creditor so show me where you extended credit to me I have never heard of this company nor have I ever done business with them XXXX XXXX Account Number : XXXX Show me that you have to right to attempt to collect this alleged debt and that you are attempting to collect is it even from the right person I have never done business with this agency. 
XXXX XXXX Account Number : XXXX Send a validation of debt letter to prove I owe money them money simply stating that this is a verified account doesn't change the fact that I dont know what iti or why it is on my credit report I need to see everything you've verified this account with XXXX  XXXX XXXX  XXXX. 
Account Number : XXXX
Consumer complaint received 2018-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PRA stated that they sent their initial notification letter to me on or about XX/XX/XXXX. I never received any letters from them. I would like to see a copy of that letter along with receipt, as well as the address it was mailed to. PRA claims to have spoken to me regarding a letter I received on or about XX/XX/XXXX. Most companies record for quality assurance, I would like to hear this conversation. I was not receiving and letters or calls from debt collectors in XX/XX/XXXX because I was enrolled in a debt relief program. It wasnt until the end of XX/XX/XXXX that I disenrolled.
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

Following complaint ID : XXXX A text message to my cell phone showing up as chase was sent letting me know there was unauthorized activity on my account. 

When I declined the activity I received a phone call showing up AS CHASE on caller Id. 

They told me that I had multiple pending transactions of {$2000.00} leaving my account and we need to cancel cards and move forward with stopping the transaction. 

I did not authorize and transactions to anyone except a {$2000.00} transaction earlier in the day to an employee. 

They read transactions off my statement to me and then asked me to confirm or decline them based on if they were authorized or not. 

I sent images of the caller ID and the texts claiming to be chase. 

Chase denied the claim. 

We have spoken to several attorneys regarding the case and they said there have been multiple cases and suggested trying to work it out with chase again because it IS covered under regulation XXXX If that fails they said to contact the appropriate government agency to enforce regulation XXXX and see if they can get a resolution. 

If they still arent competing immediately they said to call the local news channels and try to get the story live because they have heard several other cases and they see multiple news stories outlining the exact same circumstances, and at the point they aired the consumers all were reimbursed. 

They said to try and air a story urging for all others who were fraudulently induced into the same situation to contact them and then air their story. 

Chase declined the original complaint even though the calls and texts had substantial evidence leading to the belief it was in fact chase bank calling, including account information and transactions.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CT)

My complaint pertains to my Jet Blue XXXX issued by Barclays bank. The company recently solicited a balance transfer/cash offer. This offer was for 3 % and offered XXXX interest into 2022. I decided that I wanted to pay off some higher rate debt and requested cash for {$7000.00} and accepted the 3 % cost of XXXX dollars. Barclays processed by request on XX/XX/2022 and posted the {$7000.00} to my checking account. When I looked at my Barclays balance to make sure I was charged the correct fee I noticed that they debited my XXXX twice for both the {$7000.00} as well as the {$210.00} fee. I now show having a {$14000.00} dollar balance which is inaccurate. I immediately called them and was told it was a known issue that they had duplicate entries processed. I have since called XXXX more times and get told its still a known issue and its being worked on. This false posting is now impacting my FICO score as it looks like I'm borrowing {$14000.00} dollars when in fact I'm only borrowing {$7200.00} I am very concerned about why its taking this long to resolve. I would greatly appreciate it if you can look into this on my behalf.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : - ; XXXX  XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-09-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

To Whom it May Concern, This is my 5th time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to Experian, I have already contacted every I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file creditor directly and they have no proof of permissible purpose or even a record of me on file. 
I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from Experian OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY, or provide me proof of permissible purpose. No idea who these companies even are : { Creditor Name } : XXXX/XXXX  { Date } : XXXX { Reason : Not authorized / No Permissible Purpose } { Creditor Name } : EXPERIAN XXXX XXXX  { Date } : XXXX { Reason : Not authorized / No Permissible Purpose } { Creditor Name } : XXXX XXXX XXXX XXXX XXXX { Date } : XXXX { Reason : Not authorized / No Permissible Purpose } Once again, let me be clear that I have already contacted every company listed and most do not even have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and perform a COMPLETE investigation in regards to the above listed inquiries. 
Please provide me with the outcome of your thorough investigation within 30 days of receipt of this letter. 
Thank you, -
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (NC)

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear Truist, I am writing to address a concerning matter regarding an inquiry reported by Truist, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. 

Firstly, I require documentation proving that I provided express written consent for Truist to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal. 

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying Truist to remove this inquiry from my file within four business days.

Furthermore, it has come to my attention that Truist neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to Truist. Failure to provide this information will leave me with no alternative but to initiate a level XXXX audit on my account. 

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Consumer complaint received 2021-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelson Cruz & Associates LLC (PA)

NELSON CRUZ & ASSOCIATE at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of $ XXXX.The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (IA)

XX/XX/XXXX I set up the following ACH transfer : I sent {$1700.00} Wise fee {$13.00} Wise converted {$1700.00} Exchange Rate XXXX Foreign Currency XXXX XXXX Wise initially indicated this transfer could be completed in 2 business days. However, even before I authorized this transfer, Wise noted that it was taking longer than usual to get my money and suggested I pay more to send the money faster. It's very suspicious that they would know this before I even authorized the transfer. 

Side note : I have done many ACH transfers with Wise over the past 4 years and they were always completed in 2 business days. 

I opted to continue on with the ACH as Wise said the money would be delivered on XX/XX/XXXX. On XX/XX/XXXX, the money was removed from my XXXX XXXX account. Wise claims they did not receive the funds until XX/XX/XXXX. The transfer was deposited on XX/XX/XXXX ( XX/XX/XXXX in that country ) in my Foreign bank account. 

This transfer should have been completed on XX/XX/XXXX.
Consumer complaint received 2018-02-19
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. (SC)

I was a victim of the credit inquiry problem where the bureau deleted the inquiries then added them.back illegally and they will not delete my transunion inquiries
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 — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MO)

I called both companies to let them know I was not the one inquiring about airline credit cards and needed it disputed. I was let known I was not in their system and they could do nothing to help even though it was on my credit.
Consumer complaint received 2021-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC (GA)

On XXXX/XXXX/2021 - I received an alert that debt from ATG Credit was added to my credit report ( XXXX ) for XXXX debts for {$110.00} & {$74.00}. I never received any letters from this debtor or anyone else about this debt. However, I reached out to confirm where this came from and was told that letters were sent to an old address where I had not resided for several years. This medical debt was placed on my credit file with no knowledge of letters being received. I have had this issue with ATG credit placing things on my credit that is not valid from the past. Also, any debt owed to them has been paid in full and should not be reflected on my credit file.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

I had sent over a complaint and when I received my response some important information was not considered. I have been calling the number on the letter and have sent emails but no one responds. This is an issue with td bank which their employee gave me incorrect information on a check ( stating that it had cleared both banks ) while in fact it had not cleared XXXX XXXX bank and it was a fraudulent check. Td bank has confirmed with me that their employee gave me the wrong information but are not taking responsibility for giving me the incorrect info. I need to speak with someone directly.
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CT)

ON XX/XX/21 SUNRISE CREDIT SERVICES , INC. has flagged my account as UNPAID Collection account. {$1.00}, XXXX past due as of XXXX XXXX this not my account I never had an account with XXXX/XXXX/XXXX I put in a dispute with XXXX
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (VA)

I don't use my American Express Platinum Card often, it's a card that had a slight uptick in spending during the holidays, during which the recommended payment amounts were immediately made on my American Express Platinum card. Outside of one purchase made because of AMEX 's Purchase Protection, the card gets mostly groceries and recurring charges on it. Recently, AMEX has taken my available credit and made it negative, with not allowing even a {$5.00} transaction to process, stating I am now ~ {$2400.00} over my limit of a previous limit of {$25000.00}. This isn't just a slap in the face, it verges on fraud and a potential escalation to the Attorney General of Virginia as American Express charged me the {$690.00} annual fee and is actively ensuring I can not use any benefits that the fee allows for as it blocks any potential transaction. 

This is additionally offensive as I have been making larger payments on the card on a bi-weekly basis to ensure it is in good standing but am being told that it's not good enough, even when I have previously had a {$29000.00} charge on the card and paid it off without issue, and my family consistently has $ XXXX charges that are consistently paid off of which I am an authorized user of and they choose to report to credit reporting agencies as debts that I am obligated to. AMEX has given me almost no time in between the notice of a high balance and what amounts to a closure of the card, as I am on the Federal payment cycle and thus payments occur a wek after the XXXX and the XXXX, even though I had made my payment for the month and made an additional payment of over {$500.00}. This again is all while fraudulently charging me the full amount of the annual fee and ensuring I can not benefit or use it.
Consumer complaint received 2022-08-17
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. (TX)

I had earlier filed a complaint regarding to TransUnion on XX/XX/2022 that they are reporting incorrect SSN on my credit report asking TransUnion to correct SSN on my credit report. I was requested to send in my SSN card, copy of my driver 's license and a cover letter which I have sent in twice already but when I call to follow up, I do not have any positive response from the credit bureau hence been tossed to and fro over the phone, having conversations with minimum 3-5 representatives all of them giving different informations and ends up giving me different case/file numbers ; # XXXX, XXXX, XXXX. This is hindering my finances and ability to close on my home Please see the attached.
Consumer complaint received 2022-02-02
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-02-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

My escrow payment is {$100.00} and my principal and interest payment is {$110.00} which is equal to {$210.00} this is my payment should be. The rushmore company is charging me {$270.00} which is {$55.00} more. Please have them correct the payment.
Consumer complaint received 2024-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

Hello, I hope this email finds you well! I accidetly sent money by XXXX through my bank to the stranger that I did not know. Because I got the last digit of phone number by mistake. 

After that I reached out to my bank to ask the receiver to send my money back, however neither receiver nor her bank refused to take any action! 

I sent several message to the receiver that this money was sent to you by mistake but she kept ignoring me! 

The a mouth of XXXX, XXXX was sent to this phone number by mistake XXXX ( XXXX ) XXXX. Then I found out the name of person who I sent money by mistake is XXXX XXXX through XXXX and her bank is Citi bank Please help me to get my money back Thank you very much and looking forward to hearing from you. 

My bank is XXXX  XXXX and this stranger bank is Citi bank!