davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-07
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

fraudulent charges made. not my charges card was stolen. Please remove from all 3 credit reports XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Last payment XX/XX/2019 Credit Card
Consumer complaint received 2017-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (FL)

Innovative Recovery formally know as Resident Collect has been attempting to collect an unverified debt for over 4 years. This company is n't and has never been licensed to collect debt in the State of Florida. Please have them to stop ALL debt collection effects and remove from their " account ''  from my credit report.
Consumer complaint received 2021-04-15
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. (NJ)

I have been a card member with Chase for 10 years. On XX/XX/XXXX, they decided to abruptly close my account. When I called to ask why, they said it was because I had disputed foo many charges. This seems arbitrary to me and I dont understand what basis they have and no one explained it to me. But, if they do have the right to close my card, so be it. What I am complaining about is that Chase charged me an annual membership fee of {$450.00} on XX/XX/XXXX. Today, XX/XX/XXXX, I asked for this fee to be refunded since they ( not I ) decided to close the account. They told me that they would not refund the fee. I think they should provide a refund. I would like this investigated. Thank you.
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (NY)

M & T Bank has collected several thousand dollars in overdraft fees from my personal checking account over the course of the year which I find excessive. 

As per the law, the bank could have declined debit and/or POS transactions due to insufficient funds in the account when my bank funds were running low or should have warned me that an overdraft fee would be assessed if I proceeded with the transaction. But instead of this, M & T Bank routinely processed such transactions and charged me an overdraft fee of {$38.00} per transaction, even if the transaction is for only a few dollars. This is designed and intended just to increase overdraft fee revenue. 

This practice is a violation of New Yorks consumer protection laws and also its implied contract of good faith and fair dealing in M & T 's General Deposit Account Agreement.
Consumer complaint received 2023-01-09
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. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2024 I made a payment totaling {$1900.00}. That payment cleared my bank on XX/XX/XXXX. Bank of America did not make the amount available though my credit card. I have attempted to contact Bank of America two different times only to be informed that they placed a 10 day hold on my payment. This period was reduced to a 5 day hold during a subsequent phone call. It has now been 5 days and the funds still remain unavailable.
Consumer complaint received 2023-04-07
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. (OH)

I called XXXX XXXX ( my credit card company ) and ask them if they could add my account information to Equifax Credit Bureau Agency so i can have a longer credit history on my Equifax credit report. XXXX XXXX reply 's that I need to contact that credit bureau and have them add it on to my report. And I called XXXX XXXX and Equifax least 3 times Each and almost 3 hours later, both parties claim that there's nothing more on their end they can do. 
My question to XXXX is what can i do on my part to get my XXXX XXXX credit card info on to my Equifax credit report? i have excellent payment history gone unnoticed and 11 years of great credit payment history. Please advise
Consumer complaint received 2021-05-04
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: STATE EMPLOYEES CREDIT UNION (VA)

I have received a copy of my credit report and it shows company STATE EMPLOYEES CRED U account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

XX/XX/2019, XXXX XXXX REFUSES to report to all 3 credit bureaus ( Experian, XXXX  and XXXX ) that my installment car loan # XXXX, is paid and pays as agreed. 
Not closed- false information. XXXX XXXX NOT reporting accurately FCRA.
Consumer complaint received 2019-11-03
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: EQUIFAX, INC. (SC)

I obtained a personal loan from security finance in XX/XX/2018 with all intent to pay. I paid on my account twice and contacted them to let them know I lost my then job. The guy had an attitude so I decided not to go back. He then did 11 hard inquiries on my credit. I contacted him to let him know that his actions was illegal and it needs to stop.he stated that he didnt know a better way to reach me. He didnt call me once before I contacted him. He has since charged the account off and left a derogatory remark on my report
Consumer complaint received 2019-08-14
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: Exeter Finance, LLC. (OH)

Exeter Finance stated they would continue to report on my credit if I dont file a identity theft claim. Exeter due to section 623 of the fair credit reporting act your company must show valid proof that this debt is belongs to me. Your company has failed to due that with many poor attempts to do so. To answer your question from last complaint from car dealership. During the process was told I wasnt needed and XXXX Income was sufficient enough to get the loan on her own. While the loan was being signed I was cracking jokes with the salesman stating this is his last day. XXXX only signed her name and as proof neither of thos signature match ours so either your company or dealership attempted to correct a mistake and sign my name. No claim has to be made on my end you have to validate debt because thats how the law works. Unfortunately for your company as you stated dealership provided you the copy of the documents think you should take that up with the dealership. Please come and get the car I will not be making anymore payments on the car. 


I've attached cfpb complaint, Identification with vital information removed partial due to cfpb stating not publish vital information, signature of another contract
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company (GA)

On X/XX/2017 I reached out to XXXX XXXX ( Incident XXXX ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as incorrect names on the bill. Only my name should be on the bill as is shown on my written contract. I provided a copy of my contract and details of their errors and received a response from XXXX XXXX in writing on X/XX/2017 clearly stating that everything is correct and notification that I will receive a late fee if they do not receive my payment in full by the due date. Since they did not wish to honor their written contract, I was forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill ) and would owe no monies due to their lack of interest in honoring their contract and immediate cancellation prior to their next bill. I called XXXX XXXX today and was notified they placed my account ( with the aforementioned known billing errors ) into collections with XXXX XXXX XXXX. If XXXX XXXX XXXX XXXX does n't immediately clear up this matter, I will contact FTC and immediately file suit through Consumer Fraud Legal Services. Thank you.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (AL)

On XX/XX/2020 I placed an order from the website XXXX XXXX XXXX XXXX in the amount of {$280.00}. I was led to BELIVE that the website was official and I was wrong. After a week I sent them an email about my order and about how I hadnt received a tracking number or invoice number just an order number that I couldnt even use. I was sent a response that it would take 3 weeks to make the order and another week for shipping. After about two weeks I attempted to contact the company XXXX XXXX XXXX XXXX and there website had been deactivated. At that time I contacted my XXXX XXXX  card ( my unemployment benefit card ) to file a dispute about this scam and retrieve my money back around mid XXXX. I filled about the paperwork twice sent one through mail and one through fax. When I called the card for an update about this around the first of XXXX they told me it was denied because they never received paperwork for my dispute claim. I was told that I would have to reopen my claim and submit paperwork again. So I did so via fax again because with the pandemic I figured it was lost in the mail. After faxing off the paperwork needed I called the next week around XX/XX/XXXX for an update mind you every time I call Im usually on hold for 2 or more hours before I can speak with a representative. When I did speak with someone the told me that my claim was still in denial status and needed to be escalated. I have tried to hard to request call backs for supervisors and administrators about this issues and they seem to never be available. After failing to be granted access to speak with a supervisor I was ultimately told to just keep calling back because after it is escalated there is no real time frame for them to investigate the claim. So I called XXXX XXXX all with no updates on my claim. I called again for the last time XX/XX/XXXX and they finally updated me that my claim was denied again for not receiving paperwork. At this point its ridiculous and very frustrating that the same card company that is supposed to protect my money wont. I have included several screenshot of the website and its fraudulent messages complaints from the XXXX  they ( XXXX  ) have been scamming people out of there money and I just wish I would have done my own research before even playing an order Im asking as a single self employed mother of 3 I have been fighting for over 6months with XXXX  XXXX card for a refund of my money. I have provided every bit of information that I have and could find to support and prove that this company the XXXX is a scam company. Please help me get my money back. XXXX
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

I BOUGHT TWO XXXX XXXX CARDS FOR XXXX I NEVER USED XXXX SERVICE THEY HAVE NO PHONE BILL OR ANYTHING THEY CAN PROVE TO SHOW I EVER HAD SERVICE WITH THEM. SO I DONT OWE THEM ANYTHING, I PAID FOR THE XXXX CARD AND IT WAS NEVER EVEN ACTIVATED AND WHEN I TRIED TO XXXX
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

LexisNexis is reporting 2 accidents as At-Fault, however there was lawsuits paid by the defendants insurance due to them being at fault. 

I contacted LexisNexis and they even said they are listed as No Fault, however there is an error and they are being sent out on the reports as BLANK, and left up to the insurance company to decide how they want to classify these. 

Driving record, and all other reports list them as No Fault, except LexisNexis. 

I contacted LexisNexis to resolve this, and they said it is up to the insurance carrier to correct it. However LexisNexis is the one reporting the inaccurate information, and according to the insurance company, it is up to LexisNexis to resolve it.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/2023 Mortgage loan with XXXX XXXX  was paid off in full in the amount of {$180000.00}. This amount was confirmed and received on XX/XX/2023. Lender has not accurately reported this information in a timely manner to the credit bureaus.
Consumer complaint received 2020-11-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion historically for me has continued to erroneously report information. Transunion will indiscriminately change my credit score, and when I phone up and ask why I am always told the same answer and that they can not give me any information, while I am in the middle of dispute. Each time I request my free weekly credit report during these times of the Coronavirus they refuse again stating its because my account is under investigation. I see hard credit checks for companies that I have zero clue as to who they are and yet Transunion refuses to remove those hard credit checks, they refuse to give me a copy of my credit report. Most importantly each time I call Transuion to follow-up, I can guarantee without fail always within days see my credit score not through Transunion but through XXXX XXXX that my credit score with them gets massively impacted with a lower score. Transuion has directly impacted me through a pandemic from securing any form of loan to support my family and live. Out of all 3 major credit bureaus Transunion is the only one refusing to remove alleged collection zombie debts from my report. Transunion I feel is using illegal practices and I am hoping you will investigate them and stop there illegal practices. I am again down to a XXXX credit score only with them and when I check it states no new changes. PLEASE STOP THERE ILLEGAL PRACTICES!
Consumer complaint received 2022-01-10
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. (GA)

Pursuant to 15 USC 1681 ( a ) ( 4 ), Experian infringed upon my right to privacy by publishing alleged negative information from third parties on my consumer report. 
Pursuant to 15 USC 1681b ( a ) ( 2 ), Experian received written instructions from me, nor does it have permissible purpose to furnish a consumer report about my alleged credit accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also never provided Experian with written instructions to furnish alleged inquiries on my consumer report for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

Good day, I am attaching the report sent to me by XXXX. It shows that my mortgage account may be considered negative. In the report i highlighted the months that I have already paid that have not been updated. 

The Mortgage was in forbearance and I have decided to go back and pay all the months of the forbearance even before the end of that forbearance. Logically, and through common sense, the accounts can not be overdue. All payments paid through the forbearance are paid on time because all payment was suspended and nothing was due. So, if the customer decide to go back and pay the account, the payments are made on time. 

I paid my mortgage to do the right things during the pandemic by borrowing money with the only purpose of being current with my mortgage. Wells Fargo should update my mortgage information. 

In the case they decide not to update the information, they should put the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX at the back of the loan and give me back the amount already paid for those months.
Consumer complaint received 2022-08-12
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX  XXXX Balance Owed : {$5300.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These accounts have not been updated since 2015 and having a negative effect my credit score! XXXX is reporting these accounts have been late, which is not correct. 

The dates, and balance information on these accounts are inaccurate and I'm requesting this information be removed, per the FAIR CREDIT ACT, 611. 

XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX Please see the STATUS DATE ON THIS ACCOUNTS. This has always been an issue with XXXX  and the CFPB never do anything about it, so I'm requesting assistance here again and I will reach out to the State Attorney as this makes no sense. 

The was understand the impression the CFPB was enforce rules and law for the consumer of America, but in most cases with XXXX  nothing is never done as they have been sued for a number of law breaking actions.
Consumer complaint received 2020-12-08
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. (NC)

Original dispute was submitted to the CFPB on XX/XX/2020 case # XXXX Experian gave me a bogus response saying I did not submit this on myself, that is a total stall tactic I now demand it gets handled this time my name is wrong and the previous addresses do not belong to me see letter attached to explain
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NY)

I had a loan with national Collegiate Trust. i did n't make any payments on the loan for 6 years and due to the " statute to limitations '' the loan collector should not be contacting me any more, by they still are in both forms phone call 's and letters. I am also trying to buy a house for my family and found out that i can not get a USDA loan for the house because National Collegiate Trust has filled the loan as a government delinquent loan. The problem with that is the loan is a private loan not a federal/Government loan. due to the way they filled the lion on my credit report i am not able to buy my first home.