davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
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. (TX)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX has a paid car loan on my report thats in collections by error, the car was paid in full before it was sent to colloection, after speaking with the bank itself who agrees that it should not be in collection, i filed several disputes explaining this is an error, they still says is verified, i never recieved anything showing proof its verified, There is no dollar amount to collect wich it clearly says on the account, Spoke to bank several times and they are certain that they have not recieved anything about this and agrees it should not be there and needs to be removed from all three beuros, nor has XXXX remove the past addresses from my personal information from my previous complaint, i need this account remove from all three beuros The accout XXXX XXXX
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received my EDD BofA card # XXXX I activated it & then put extra security features on my account then I received email saying did you just report your card stolen I said no but they reissued anyway XXXX that happened 2 more time then my address was changed to # # # # XXXX XXXX? ? I also confirmed that I didn't do that they changed my info & sent my card elsewhere but now I have no card no money no more patience I'm being short because I just lost everything I typed & my baby is crying now please contact me I will explain better please XXXX XXXX DOB XX/XX/1979 XXXX XXXX XXXX Ct XXXX XXXX XXXX XXXX EDD BofA account now my account is now closed I have nothing
Consumer complaint received 2015-08-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (LA)

Violation of the Truth in Lending Act/Regulation Z ( payment posting, use of suspense account, payoff statement, trustee payments XXXX Payments were made by myself and the trustee ( under a chapter XXXX filing XXXX the mortgage holder placed the trustee payments in a suspense account and did not apply them to the mortgage. In addition, when I asked for a payoff they provided a payoff which implies that the loan was due for XXXX 2015, however they received the XXXX 2015 payment, and I have a XXXX year bank history showing all payments were made, when I questioned them about were they were getting this information that the loan was due for XXXX they simply said I made a short payment ( which I did not do ) and until I paid an additional XXXX ( to make the suspended amount a full payment they would not credit the money to the account ). The money in the suspense account was not a short payment by me but instead payments from the trustee. The trustee filed a notice of plan completion and a notice of final cure ( for any default on the mortgage XXXX The bank responded through the court that they had no objection and that the account was due for XXXX 2015. Chase is not crediting the money received by the trustee to the account, there is conflicting information given to me verses the information given to the trustee. When I asked for a payment history they advise they have XXXX days to provide it to my attorney, they will not give me any documents/specific information regarding my loan. When I attempted to re-finance the loan, Chase took XXXX days to provide a payoff, and when asked for a payment history, advises they will respond within 30 days. These timeframes are unacceptable, and now I may loose my financing as the interest rate lock expired and I 've had to extend it and it expires XX/XX/XXXX2015.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Advertising and marketing — 
Company: TD BANK US HOLDING COMPANY (GA)

I APPLIED FOR ALLY CASH BACK VISA CREDIT CARD ON XX/XX/2016.THIS CARD ISSUED BY TD BANK NJ. THERE WAS PROMOTION FOR THIS CARD - {$100.00} BONUS AFTER {$500.00} PURCHASE IN FIRST 90 DAYS.I MADE PURCHASE MORE THAN {$500.00} IN FIRST 90 DAYS.BUT I DO NOT SEE THAT {$100.00} BONUS ON MY STATEMENT ISSUED BY THIS BANK ON XX/XX/2016.I DO NOT TRUST THIS BANK. I FULFILL ALL THE REQUIREMENT WITHIN TIME LIMIT. BUT THIS BANK DOES NOT WANT TO PAY ME BONUS. THE CUSTOMER SERVICE F BANK IN VERY POOR.THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (GA)

XXXX has a paid car loan on my report thats in collections by error, the car was paid in full before it was sent to colloection, after speaking with the bank itself who agrees that it should not be in collection, i filed several disputes explaining this is an error, they still says is verified, i never recieved anything showing proof its verified, There is no dollar amount to collect wich it clearly says on the account, Spoke to bank several times and they are certain that they have not recieved anything about this and agrees it should not be there and needs to be removed from all three beuros, nor has XXXX remove the past addresses from my personal information from my previous complaint, i need this account remove from all three beuros The accout XXXX XXXXXXXX
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I spoke to rep by the name of " XXXX '' with the office of Consumer Affairs with Equifax on XX/XX/18 approximately XXXX. 

I attempted to dispute a collection account with him. The collection agency is XXXX XXXX XXXX. I informed him that this account is being reported in error and that my insurance company had paid the original creditor. Then he puts me on hold for 30 minutes, only to tell me that this account was previously investigated. I never received any notification that the account was previously investigated. He then tells me that he is going to call me back. I tell him it's been my experience that no one from Equifax has ever called me back. 

I also ask him why I can not use any online functions to which he says that certain people from time to time do not have access due to fraud activity. I ask him to tell me when I will be able to gain online access, to which he gives me a canned, non answer.
Consumer complaint received 2023-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

I completed an application for XXXX at XXXX apartment complex. Once they received my money, the stopped all communication. I called for several days and into the next week with no response on a decision in regards to my application. I called my bank due to believing it is fraud. XXXX XXXX XXXXXXXX then had someone call me stating they were from Hunter Warfield to collect debt. They man was extremely rude and was yelling over the phone. He then threatened and said I " better pay the debt '' or he would report to the credit bureau and " ding my credit ''. He also told me to let him know when I got a lawyer. I tried calling the complex again last week with no response. It is like they are screening my calls. They had great communication until they received my payment.
Consumer complaint received 2020-10-19
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: EQUIFAX, INC. (PA)

I have disputed this paid medical several times, and it does not appear that Equifax has ever done an investigation into the account. If they had it would have been removed, because Equifax would have been compliant with XXXX a federal law written to protect me from this!
Consumer complaint received 2021-02-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (KS)

According to the CARES Act Mortgage Servicers or Lenders were not supposed to add additional interest or fees or penalties during an approved Forbearance period. Prior to Covid-19 my loan balance was around {$100000.00} - {$100000.00}. As of today XX/XX/2021 the loan balance increased to {$110000.00}. Why is Chase Bank adding additional dollars to my balance when they were not supposed to add any additional interest, fees or penalties during Forbearance period per CARES Act?
Consumer complaint received 2020-07-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

On XX/XX/2020, I sent {$140.00} ( XXXX shillings XXXX ) to my brother ( the recipient ) from U.S to XXXX via MoneyGrams mobile wallet money transfer service. The reference number for this transaction is XXXX and the transfer fee was {$0.00}. The only reason I used this service is because due to the COVID-19 pandemic, MoneyGram constantly represented in its website that this was the fastest way to send money at a reduced fee as the funds would be available to the recipient within minutes, and prior to this, I had successfully used the mobile wallet service for other transactions. Unfortunately, the recipient has not received the money to date ( as of XX/XX/2020 ). As the recipient is currently unemployed and has XXXX children, he requires this money for his rent and daily expenses. The recipient followed up with the financial company in XXXX XXXX XXXX which I believe has a service level agreement with MoneyGram for the mobile wallet service referred to as XXXX. XXXX XXXX completes their investigations this week and according to them, they did not receive any money from a MoneyGram. Ive followed up with MoneyGram more than three times and Im disappointed with how they are handling this issue despite my request for them to expedite the matter. Each time I call, I speak to a different customer care representative who says that their investigation takes up to 90 days. 90 days seems fast to them but to the recipient, thats 3 months of economic hardship. Initially, MoneyGram gave me a case number for my complaint - # XXXX. I called later to follow up and they hadnt even began their investigation. On my request, the customer care representative escalated my complaint and gave me a new case number # XXXX and informed me to call back in 2-4 business days, which I did. Since then ( XX/XX/XXXX ), Ive been calling every 2-4 business days and requesting them to expedite their investigation and/or refund me, but all they say is that investigation may take up to 90 days per protocol. I feel that MoneyGram misrepresented how fast the mobile wallet service is. As the receipt provided by MoneyGram on XX/XX/2020 indicates that the transaction was completed, I would like them to provide the evidence of any alleged delivery to the recipient. 

Please assist with this follow up and if possible, obtaining a refund from MoneyGram. 

Thank you.
Consumer complaint received 2021-02-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

In late XX/XX/XXXX Wells-fargo sent me a debit card, savings account info, and by seperate correspondence a PIN. There is no date on correspondence from them, not even a postmark. I did not request an account with Wells-Fargo, I do not want an account with Wells-Fargo. In early XX/XX/XXXX, I called Wells-Fargo, was transferred to the Customer Advocacy number, XXXX, briefly talked to a XXXX, she hung up. I think Wells-Fargo is at it again, with the unrequested bank accounts.
Consumer complaint received 2021-02-28
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: TD BANK US HOLDING COMPANY (HI)

I had a charge on XX/XX/XXXX for {$150.00} on XX/XX/XXXX. My charge was for {$29.00} on XX/XX/XXXX posting XX/XX/XXXX. I have been disputing this charge as the clerk at the store charged me for someone else 's items, voided it however it posted to my account. I have been asking for a update for-3 months, no one knows what to do or say. I was promised by XXXX, employee # XXXX a credit would be issued within 24-48 hours by manual adjustment however still nothing. TD BANK is the poorest servicer of any credit card I have ever experienced. They do not address issues or resolve them. They do not do right by consumers, they make excuses, and continue there agenda. TD BANK should NOT be allowed to do business in the XXXX if they continue not to make things right. I can't stand chasing this incompetent servicer.
Consumer complaint received 2022-04-01
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX on XXXX and account # XXXX on XXXX ( different account numbers ), XXXX XXXX Account # 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
Consumer complaint received 2024-05-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kelsting Group, Inc. (CA)

I disputed it through XXXX XXXX after sending this letter in certified mail. I disputed this and they continue to raise how much I owe everything time I disputed it the account closed then I disputed to remove it I guess it got reopened once I did that. So its in collection in closed I dont know.
Consumer complaint received 2021-12-21
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. (TX)

I went to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, Texas XXXX ( XXXX ) XXXX. I already had financing set up through my bank but XXXX XXXX and XXXX XXXX XXXX employee said he could get a better rate or match my rate from my bank. I expressed my concern my credit pulling hits and he said that he would run three and two would fall off so I let him run my credit. I ended up with XXXX XXXX and had the loan papers but 4 weeks later was told my loan was now with XXXX XXXX. I asked XXXX XXXX what was going on, his explanation was that he committed fraud. He ran my credit again without permission and never told me my original loan originator pulled their plug. 

Now I have multiple entries on my credit report for credit being pulled. This was fraud and done without my permission or knowledge. Fraud pullings include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX second time ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (NY)

I had a loan that was serviced by XXXX XXXX XXXX ( " XXXX '' ) that was in default. On or about XXXX or XXXX the loan status was changed to Charge Off. Subsequently, about XXXX, I entered into payment arrangements with XXXX but they stated that they could not change the status of the loan until it was fully paid, and that the status would remain as a charge off. 

Over the next couple of years I made payments on the loan and the balance has been reduced, but the status remained as a charge off, and I was repeated told there was nothing they could do. 

Sometime over the past several months the loan was transferred to Real Time Resolutions who started reporting the same loan as current account with late payments ( even though at the time of transfer the status of the loan was in fact a " charge off '' ) I now have two derogatory reports on the same loan, one as a charge off and one as a current account with late payments. As the charge off was 5-6 years old, its impact on my credit was finally being reduced and the new reporting has caused significant harm to my credit. 

I have requested RTR to confirm the status with XXXX   but they simply refuse to do so. I have requested XXXX to provide the status of the loan at the time of transfer to be provided to me in writing and to provide a copy of same to RTR, but am still waiting for same.

I have provided RTR with various correspondence between myself and XXXX  as well as a copy of a prior credit report reflecting the status of this loan as a charge off.

RTR is unfairly impacting my credit and they are fully aware of it. I have reported this information to the both XXXX  and XXXX  where they are reporting the loan impropertly
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2022, and XX/XX/2022, I, XXXX XXXX XXXX sent Experian, and XXXX a letter stating to remove the incorrect addresses. Later on in the month, I spoke with XXXX and he stated they received the letter on XX/XX/2022. He told me that I would have to wait 30 days from then for the dispute to process. It is XX/XX/2022, and they have yet to deleted the inaccurate addresses. I have attached the letters asking them to delete this information. This is a violation of my rights under the FCRA 15 USC 1681b ( a ) ( 2 ). I never gave Experian and XXXX written consent to report any addresses let alone these inaccurate addresses. They also have a name by XXXX XXXX XXXX and XXXX, XXXX are not my names and it needs to be deleted as well. Experian is well aware of the disputes as they have said they received it and are now in violation of 15 USC 1681n for knowingly reporting this information as it has caused me to miss out on multiple opportunities with finding housing. I seek remedy as a protected consumer. Please contact me as soon as Experian and XXXX responds.