davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (MI)

My bank account was hacked, resulting in XXXX charges made to XXXX for services I did not receive. I called XXXX when the first charge had posted to my bank account but was told that I would need to dispute the fraudulent charge with the bank. This resulted in XXXX additional charges hitting my account. My bank opened a fraud case and is investigating. The payments were stopped, and the account was closed. XXXX sold this account to a collection 's agency though ( TRS Recovery Services ). I contacted XXXX to advise of the fraud case and completed their required information to dispute the charges. I received a letter back from them dated XX/XX/2023 advising that they were denying my dispute and required a claim be opened via XXXX. 

I am a minor child who NEVER received ( and have never used ) XXXX however these XXXX charges are now in collections and the agency is not assisting me with resolving this.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was taken advantage of due to malpractice of several laws being broken under FCRA by your company. This has caused financial injuries on my credit report. It has also caused me defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. Under this crisis you have hurt my ability to obtain credit.
Consumer complaint received 2019-08-09
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. (AZ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX ( Original Creditor : XXXX   XXXX ) XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting 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: EQUIFAX, INC. (FL)

They cancelled my appointment without saying nothing. I called and they did not help me at all. I lose my time and I have to wait AGAIN. To do this, it is pathetic.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-01-11
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. (NC)

I have called EQUIFAX at least 4 times over the last 3 months in writing and over the phone to remove a fraudulent account reporting from XXXX XXXX. As of XX/XX/2022, they have stated the account with {$8600.00} in charges has been " Verified '' but have failed to provide me with the original contract that I allegedly signed to create the debt, no sworn affidavits of verification, or similar oaths made in the presence of a notary public/authorized person. 
I am reaching out to EQUIFAX to either provide me with sworn verification or correct their records as it is hurting my person. With a fraudulent account reporting on my report, my credit score is impacted and for the first time in my adult life, I am unable to obtain credit to pay my rent, gas, and other bills. I had {$6.00} in XXXX of my checking accounts the other day. It was humbling, and all I want to do is get back on my feet. EQUIFAX 's negligence is hurting individuals like myself, when no XXXX individual can stand for the company and state the claims they send to me in the mail.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2020, JP Morgan Chase Credit Card reported my account balance as 30 days late with the due date of XX/XX/2020. The information was incorrectly reported on my credit report in which my balance of {$140.00} is not due until the XXXX of each month and was submitted and posted to the account on XX/XX/2020.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FRCA violations not mine not my credit cards XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. $ XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual never late XXXX  XXXX Account number XXXX Account type Unsecured Responsibility Individual not my address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not XXXX inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/21 I sent a letter to TransUnion asking them for the method of verification they used to verify the bankruptcy they have on my credit report. 

On XX/XX/21 TransUnion replied that the bankruptcy was " verified as accurate '' without providing any method of how they actually verifired this information. 

On XX/XX/21 I sent a follow up letter asking for documents and methods used to verify this alleged bankruptcy. On XX/XX/21 they replied the information was verified through USBK Court XXXX XXXX. 

On XX/XX/21 I sent a follow up letter with two inclosed statements from the USBK Court stating they DO NOT report to the credit bureaus or any 3rd party reporting agencies. This means the information could not have been properly verified and needs to be deleted from my credit report. 

On XX/XX/21 TransUnion replied again stating the information was " verified as accurate '' through the USBK Court XXXX XXXX 

On XX/XX/21 I sent a third follow up letter, again with supporting documents directly from the USBK Court stating they do not report to any credit bureaus and demanded that this UNVERIFIED bankruptcy be deleted from my file within 30 days in compliance with the FCRA laws. 

On XX/XX/21 TransUnion sent me the same letter again claiming the information was verified through the USBK Court.
Consumer complaint received 2023-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Bank : Wells Fargo Mortgage # : XXXX I had foreclosure process with Wells Fargo late XXXX. 
I think I paid too much fee to Wells Fargo. 
I did not contacted by Wells Fargo regarding CFPB 's lawsuit.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

On XX/XX/19, I received a letter from this debt collector about a bill that is not mine. My wife called the company and gave account number and name of the collection notice and representative for debt collector asked for my last 4 digits of my social and she refused ; stating that she had already verified by supplying account number and name. The representative stated he needed his social security number, he refused to look up account number. I do not owe this debt and believe it is fraud. I have no knowledge of this account nor never received any bills from this company.
Consumer complaint received 2023-01-11
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. (GA)

XXXX is currently reporting 2 mortgage accounts on my credit file. Both are showing 1 late payment but each account is reporting a different date. I have already provided written proof to XXXX  via mail and fax several times last year trying to correct/remedy the situation. 

Current mortgage account : XXXX XXXX- this account was not opened until XX/XX/XXXX so it should not be reporting any late payments in XX/XX/XXXX or anything prior to XX/XX/XXXX. 

Previous mortgage account : XXXX XXXX- this account transferred XX/XX/XXXX to XXXX XXXX- this account did not have any late payments and based on the incorrect reporting on both accounts it further validates my claims that XXXX is erroneously reporting inaccurate information on my credit file. 

I have attached my bank statements that further support my claim ( the payments are highlighted in yellow ) : XX/XX/XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX XXXX XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX I have written to XXXX  several times with no response showing the conclusion of their investigation as well as no additional info about my supporting docs.
Consumer complaint received 2021-04-30
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: AMERICAN HONDA FINANCE CORP (DC)

I have a vehicle loan with XXXX XXXX XXXX for a vehicle I purchased CPO in XXXX. I had setup an auto-pay account through their service and had no problems until XX/XX/XXXX. My husband and I moved to XXXX  in XX/XX/XXXX but, realized my checking card had been stolen so we had to disable access to the account. I recognized immediately and changed the checking account online for XXXX to draw from but, for whatever reason - the payments were note being pulled on their end. Apparently they tried contacting me but, my phone service may have blocked their calls as SPAM so I never had a chance to interact with them until I realized the following month that payments had not been withdrawn. They recognized the issue/error on their end that the payments were not being withdrawn and they fixed it immediately. I paid off the missed payments as well as the current month in full right away however, this ended up resulting in a delayed payment notice. I submitted an appeal to the CRA but they did not appear to address my concern or issue with this and these two delayed payments are severely impacting my score. I am a XXXX XXXX at the XXXX XXXX XXXX in XXXX XXXX and have not had a lot of time to deal with this until now and I'm looking for some help to correct this and request forgiveness for the delayed payments that I paid in FULL as soon as possible. I am looking to purchase a house and this is negatively impacting my ability to do so in the near future.
Consumer complaint received 2017-09-16
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. (NC)

The Equifax security breach came to light to the public XXXX,2017. I am unsure if I am effected yet ; I need to mail in my credit report request. It will be weeks before I know anything. The hackers are not yet identified, so I feel very vulnerable. Obviously computer security needs to be a number one priority at all credit reporting agencies. I would like to see all credit freeze/unfreeze requests be made available free from this and the other credit reporting agencies.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

i have items on my credit report that i would like to verify the information on. I would like to dispute the XXXX XXXX XXXX account opened XX/XX/XXXX for {$550.00} dollars, the XXXX account opened XX/XX/XXXX for {$840.00} dollars, XXXX Bank account opened XX/XX/XXXX for {$850.00} dollars. I have disputed these accounts online with credit bureaus. I would like to verify the information on these accounts.
Consumer complaint received 2021-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

I sold my house on XX/XX/2021. My mortgage was sold by XXXXXXXX XXXX to JPMorgan on XX/XX/2021. In the days before the close of the house sale, JPMorgan paid {$3300.00} to my insurance company, XXXX XXXX XXXX, from my escrow account. This was for a policy that was to begin XX/XX/2021, a week after my house was sold. I contacted my insurance broker, and the policy was cancelled. The premium of {$3300.00} was mistakenly returned to XXXX, instead of JPMorgan, because XXXX XXXX had XXXX as the lender on file. According to XXXX, they wired these funds back to JPMorgan on XXXX and provided me with a wire transfer #. JPMorgan confirmed that they have a record of the transfer from XXXX, but their records have a note saying that they returned the funds back to XXXX on XXXX. Yet, JPM could not provide me with a confirmation # backing up this claim, and they told me they were supposedly researching what happened. XXXX has stopped being helpful, and is now just pointing me to JPMorgan, but JPMorgan is unable to confirm whether or not they did in fact send the funds back to XXXX. Neither company wants to take responsibility or refund me my money.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I 'm going through the process of freezing my family 's credit. This is taking time and why I have n't called the agencies yet. My issue is, Ohio has a law allowing us to freeze our minor 's scores : http : XXXX However, Transunion and XXXX do not provide an option to do this. This is contra to our law. I should be able to as the parent without an actual identity theft action.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I 'm going through the process of freezing my family 's credit. This is taking time and why I have n't called the agencies yet. My issue is, Ohio has a law allowing us to freeze our minor 's scores : http : XXXX However, XXXX and Equifax do not provide an option to do this. This is contra to our law. I should be able to as the parent without an actual identity theft action.
Consumer complaint received 2023-01-11
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. (GA)

XXXX is currently reporting 2 mortgage accounts on my credit file. Both are showing 1 late payment but each account is reporting a different date. I have already provided written proof to XXXX via mail and fax several times last year trying to correct/remedy the situation. 

Current mortgage account : XXXX XXXX- this account was not opened until XX/XX/XXXX so it should not be reporting any late payments in XX/XX/XXXX or anything prior to XX/XX/XXXX. 

Previous mortgage account : XXXX XXXX- this account transferred XX/XX/XXXX to XXXX XXXX- this account did not have any late payments and based on the incorrect reporting on both accounts it further validates my claims that XXXX is erroneously reporting inaccurate information on my credit file. 

I have attached my bank statements that further support my claim ( the payments are highlighted in yellow ) : XX/XX/XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX XXXX XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX I have written to loandepot.com several times with no response showing the conclusion of their investigation as well as no additional info about my supporting docs.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. ()

I am XXXX XXXX  and my financial address is in XXXX XXXX, XXXX. I was XXXX client at the XXXX XXXX, NY. XXXX transferred my Checking account without my authorization to the Citizens Bank and finished my relationship with XXXX. 
I did not receive anything from Citizens Bank ( debit card, password to create an access to my checking account, etc ). I've contacted Citizens Bank and I've been told they don't not have checking accounts for foreigner investors, and I'd have to go to US to solve this problem. The amount that I have in Citizens do not justify this cost that I would have with a flight ticket, hotels, meals etc. I've also contacted the customer relationship at Citizen to get my debit card, but the attendant told he couldn't help me without a debit card reference number, which I've never got one. I can't believe this kind of problem can't be solved throught the internet or phone calls in the 21th century. 
The only thing that I am receiving is in a monthly basis a checking account statement informing a charge of monthly maintenance fee of USD XXXX. I CAN NOT DO NOTHING WITH MY MONEY AT CITIZENS BANK. So they are charging me this fee I can't do nothing about it.
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

I bought products online and paid by PayPal on XXXX XXXX, total purchase {$9300.00}, I never received items and had contracted seller and PayPal many items and never get solve, seller provided tracking number that not belong to my address and PayPal never research on that tracking number, PayPal wanted XXXX XXXX  form from XXXX, XXXX didnt let me have it and XXXX security manager sent email to PayPal about itXXXX security manager name is XXXX XXXX, his ph number : XXXX and his email address : XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MO)

XX/XX/XXXX NetSpend XXXX XXXX account department has been texting my phone with balance from other customers account. I closed NetSpend XXXX card because of VA benefits stolen. Back in XXXX. NetSpend XXXX has been texting me balance and acct action from debit card purchase last text XXXX afternoon XX/XX/XXXX.
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Back in XX/XX/XXXX when I submitted my Intent to Proceed on submitting a mortgage application to Union Bank, it was made only after seeing the Union Bank Mortgage XXXX XXXX flyer online that advertises a top Rate Discount of the 0.50 % for combined balances over $ XXXX. ( It was only since this advertised rate discount matches what I was and am still being offered by XXXX XXXX, that I decided to pay the application fee and submit an Intent to Proceed to Union Bank. As I had already submitted an Intent to Proceed to XXXX XXXX. ) In fact, this Union Bank advertisement is still posted on Union Bank 's website today, XX/XX/XXXX, https : XXXX is the first, top search result if you XXXX " union bank relationship discount ''. Given that thisflyer advertisement is still posted on Union Bank 's website today, and is without an expiration date and is freely open and accessible to the general public, I'd ask Union Bank to reconsider and honor this posted Rate Discount for my home mortgage loan, including the maximum Rate Discount of 0.50 % for transferring $ XXXX to Union Bank XXXX and all subsequent pricing tiers listed on the flyer ). I've instead been informed that these discount pricing rates expired in XXXXXXXX XXXX  XXXX, as Union Bank 's current Relationship Pricing rate discounts range from 0.125 % to 0.25 % less than the current online advertised flyer.