davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XX/XX/17 I looked at my credit report online, with one of the free websites. I found another XXXX XXXX, who lives in XXXX, CA on two of the three reports. From the scores listed, my score is bringing hers down with XXXX and Transunion. Of the three reporting agencies, only XXXX  did not have the XXXX XXXX in XXXX. Today, I tried to notify them online but could not contact them with out signing up for something. I tried calling but got a robot and could not get a person. Her score makes mine look really good, in the 700-800 range. With out XXXX XXXX, my score is XXXX, not too bad and much more realistic. I am concerned that my score could adversely affect XXXX XXXX 's financial possibilities. I just want to straighten things out and have accurate information for both of us.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MD)

I have been trying to contact XXXX who placed my collection account with Jefferson capital that can not find it here are my notes XX/XX/2022 XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX- they located 2 accounts jefferson capital XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Jefferson cap XXXX XXXX - XXXX XXXX  XXXX {$720.00} balance. the account numbers are similar BUT the balance is different AND they are stating the account was discharged in bankruptcy. 

The balance on my end is {$920.00}. I have never filed bankruptcy
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

XXXX  and TransUnion Continue to List a XXXX Credit Card that was CHARGED OFF 7 Years ago for a Balance Amount that was {$240.00}, Because of FEES ; this was a SECURED {$500.00} Card with XXXX  that I CLOSED and asked that they pay off the Balance with Secured Amount- which they did MONTHS LATER- after Charging Fees, then CHARGED OFF the Account. There was a Balance because I did not receive a REFUND from XXXX when I moved across country. 
In XX/XX/XXXX, XXXX XXXX  STOLE Money from My Savings Account- and sent me a letter " Thank you for your payment '' ; they took funds to " Pay Off '' the Account they had CHARGED OFF Years ago- and NOW is Re-Aged as NEGATIVE ... 
I should not be penalized for 14 years for a SECURED Credit Card that XXXX mishandled. They have their money. 
I have US Mailed, and also Attached the Documentation to Web Disputes on MULTIPLE OCCASIONS- XXXX  & TransUnion REFUSE to allow a NEW Dispute- and CONTINUE to Report this Account- NOW Re-Aging and Reporting as " Last Payment '' in XXXX. 
This Account was CHARGED OFF 7 Years ago- and they have the DATES Wrong- and they choose to put 120+ in XXXX of XXXX when the " First Delinquency '' as per XXXX XXXX  at the TIME was XXXX XXXX. AND it was CHARGED OFF in XXXX. 
This is XXXX XXXX  Card ending in XXXX. 
I have a Letter Dated XX/XX/XXXX FROM XXXX- stating that " account not open during requested time period ''. 
XXXX had maintained a {$5.00} Balance in my Savings Account- for Years- and only TOOK the Money for Credit Card AFTER they had applied the SECURED AMOUNT to the Card in XXXX, and AFTER they had Charged FEES, and then AFTER I had added to my Savings Account in XXXX.
Consumer complaint received 2020-09-06
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$300.00} REV {$0.00} {$0.00} {$0.00} 24 1 3 0 PAID CHGOFF XXXX/XXXX/XXXX Late Dates : LAST LATE DATE XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have contacted Equifax numerous of times a day for the last 3 weeks in regards to my credit report. I havent been able to access my credit report from My.Equifax.com. I notified Equifax that I cant access a copy of my credit report and score from no other credit reporting companies either. Equifax continues to transfer me around then telling me to send a copy of my ID and identity proving documents. I faxed this information over to Equifax and Ive continued to call and get transferred and him up on. I asked for supervisors and no one is never available and they place me on hold for hours at a time before ending the call. 

I request my credit report and score be fixed immediately. I request a copy of my credit report and score be mailed to me immediately as well. 

Equifax is violating all laws in regards to my credit report. They are basically refusing me my report, my score, and access to my credit information. 

If this information isnt corrected, I will proceed with legal suit for violation of laws.
Consumer complaint received 2024-03-14
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: TomoCredit Inc. (IN)

I opened XXXX in good faith on XX/XX/XXXX. I chose the XXXX because its advertised as fast reporting to credit bureaus with up to XXXX limit. As of XX/XX/XXXX there hasnt still been any credit limit updates and the only thing that did show up ( XXXX  month payment history ) fell off my credit report today. I have been patient and even given this company more than XXXX opportunity to make it right but instead they offer free monthly service with no updates to my credit limit!! I asked for a cancelation and they STILL charged my account after offering me XXXX  days free until XX/XX/XXXX. They are scamming hard working people trying to build their credit and change their lives.
Consumer complaint received 2021-07-19
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: DISCOVER BANK (NY)

Purchased an item on XXXX with my discover card, item was not delivered to my home or it was stolen by the delivery person. Contacted XXXX, no resolution. Filed a complaint with my credit card and they ignored the fact I never received the item.
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

CAPITAL ONE BANK the Debtor acting as Debt Collector, is making claim against XXXX XXXX XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$360.00} past due allegedly as of XX/XX/XXXX. A violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), ( 4 ), ( 6 ) ( a ) ( b ), ( 9 ) and ( 10 ). 

CAPITAL ONE BANK is also in violation of NOTICE OF SURETY ACT & BONXXXX No. RE XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No. XXXX recorded in XXXX County real estate records viewable at XXXX. 

For the record, as pursuant to Public L. No. 10 Ch. 48, 48 Stat. 112, 113 ( HJR 192 ), all public debts shall be discharged for full " Acquittance Discharge Settlement '' and 'Closure ' to include but not limited to all so-called debts CAPITAL ONE BANK may portend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.
Consumer complaint received 2020-09-06
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AKA 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal Credit Union show on all XXXX of my consumer reports. The NFCU appears as being late 30 days. Yet the send me documentary evidence that shows me as the original creditor. The documentary evidence shows a finance charge was applied to this alleged debt.

15 USC 1605 Determination of a finance charge ; 15 U.S. Code 1605 - Determination of finance charge. ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. 

With finance charge being deemed " sum of all charges. '' A creditor or alleged credit has not right to treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, pursuant 15 USC 1602 ( l ). The existing device used as a credit card in this transaction was my social security card. Remove all late payments immediately
Consumer complaint received 2020-07-27
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. (TX)

RE : Method of Verification Request Dear Experian : This letter is in response to your recent claim that verified the accounts they are reporting is accurate. Please find attached certified letter XXXX sent on XXXX XXXX. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a  description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. See Below : - XXXX XXXX XXXX XXXX 4 Accounts ( XXXX ) Balance {$8600.00} Charge Off Balance $ XXXX Charge Off Balance {$2400.00} Charge Off Balance $ XXXX Charge Off - XXXX ( XXXX ) Balance {$850.00} - XXXX XXXX ( XXXX ) Balance {$31000.00} - XXXX XXXX ( XXXX ) Balance {$3100.00} - XXXX XXXX XXXX Balance {$1100.00} - XXXX   XXXX ( XXXX ) Balance {$5800.00} - XXXX XXXX ( XXXX ) Balance {$1300.00} - XXXX XXXX Balance {$5000.00} Corporate Account from previous employer Balance $ XXXX Closed paid in full I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.
Consumer complaint received 2020-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NY)

My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX a collection agency name professional bureau of credit their address is XXXX XXXX XXXX XXXX XXXX co XXXX. Their phone number is XXXX XXXX they unlawfully added a collection account on my XXXX XXXX credit report also this is fraud not mine also collection accounts and judgement s no longer suppose to report on credit reports that's a new law their violating.
Consumer complaint received 2020-09-06
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)

I've disputed multiple times with XXXX/Experian/XXXX  and provided copies of statement that these accounts were never paid late and I also submitted to the company and credit reporting agency was responsible for removing and they didn't
Consumer complaint received 2021-03-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, a bankruptcy once listed on my account was deleted due to inaccurate reporting ( Supporting document # XXXX XXXX. After the deletion of this item, several accounts started to report inaccurately. Also, many disputes would not update after the investigation was completed. All the disputes would say " Consumer Disputes - Reinvestigation in Process, '' Although I did not have an active dispute. I disputed the " comments '' ; however, the final results states that the explanation previously attached to this account has been deleted, but my report would not update ( Supporting document # XXXX ). Since the report would not update, I would have to dispute the comments repeatedly, just for the issue to reoccur again. The accounts that have not been updated and that I have to keep disputing are XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. Since the comments would not come off, I disputed that they are reporting as open on my account when they should be closed and listed as XXXX. No updates or corrections were made. XXXX disputed the accounts again to have the comments removed. 


I disputed the Bank of America account on my report since it reflected as 60-80 days past due, a past due amount of {$210.00} ( supporting document # XXXX ). Bank of America was listed in Bankruptcy and should not be reflecting as past due. On XX/XX/XXXX, Bank of America updated my report, removing the incorrect information ( supporting document # XXXX ). However, the report stated in the additional information that " Consumer Disputes this account information, A temporary update freeze on file, collection account. '' I once again submitted a dispute to have the account comments removed. This time, The Bank of America account reports late 60-80 days past due XX/XX/XXXX. Balance amount of {$1700.00}. I spoke with Bank of America, and they state that they updated XXXX that my account is XXXX and did not give them any information that the account was behind since it has been closed since XX/XX/XXXX.
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

On X/X/17 we used XXXX which is a money transferring system offered by Wells Fargo. The amount of {$450.00} was sent to my sister in law that also has a Wells Fargo Account. The problem is that Wells Fargo sent it to a XXXX XXXX that according to them matched the email of the recipient. Because the transfer was done using the email they state that the account that was associated with that email was XXXX and not Wells Fargo. What makes things worst is that when she tried to retrieve the money she was told that she needed to open an account in order to collect her funds. At that point we called WF and were told that we had to contact XXXX. XXXX then said that WF made the mistake and that they are responsible to make the correction. After going back and forth with both banks on the phone we visited our local WF branch. After explaining the situation we were told that it is not a WF issue but a XXXX issue. After persisting with the branch manager they filed a claim to the " escalation team '' and that we should expect a call within 3 to 5 business days. On Wednesday we received a call from the rep that assisted us at the branch and relayed the information he received from the escalation team and that they are not sure if they can retrieve the money from XXXX and that the recipient should contact a XXXX branch " she already attempted that '' Once again we called Online customer care and after much explanation and over 1.5 hours being transferred we filed a complaint with the " resolutions team '' still nothing has been resolved. The funds are in limbo somewhere and WF states that it can take up to 10 business days for the investigation to be concluded. We feel this is abusive and un explainable on behalf of WF. We can not comprehend how they promote a service like XXXX but once a problem occurs they try to avoid responsibility for the mistake. After reading in the news the list of problems and complaints WF has been faced with lately, We wonder how they continue to get away with this kind of behavior. Please help ...
Consumer complaint received 2023-01-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX received a text message from Chase Bank requesting an approval for a transaction. After XXXX XXXX XXXX XXXX  replied, No, a Chase Bank representative called XXXX and alerted her that someone was trying to attempt a wire transfer to attempt a wire transfer of {$15000.00} USC as well. The Chase representative identified himself as XXXX XXXX # XXXX. After a series of prompts through text message XXXX explained to XXXX that, my supervisor XXXX XXXX # XXXX would also be in contact when everything is complete. On XXXX XX/XX/XXXX, XXXX re-contacted XXXX at XXXX hours central standard time and related that there was another attempt of a {$10000.00} USC wire transfer. XXXX proceeded to explain to XXXX that she would have to obtain a new account number and account balances and would be transferred to the new account. On Monday, XXXX XX/XX/XXXX, XXXX was contact by XXXX and then transferred to XXXX XXXX. XXXX received a text message requesting the username and password of her Chase Mobile application in order to transfer her bank account numbers to the new account that was set up. XXXX gave the information. XXXX then asked, When will I have access to my new account numbers and other information? XXXX responded, XXXX. Meaning XX/XX/2022. All calls that XXXX received from XXXX XXXX and XXXX XXXX were from XXXX. On Tuesday, XX/XX/2022, XXXX called Chase and the representative stated that she did see an alert for the wire transfer of {$15000.00} USC. On Wednesday, XX/XX/2022, XXXX called Chase customer service. The Chase representative informed XXXX that there was not any indication of that her account was frozen or flagged for fraud activity. XXXX was immediately directed to visit a Chase Bank because there was a large amount of money withdrawn from her account. On Friday, XX/XX/2022, XXXX walked into Chase bank and continued the process to block and close all access to her bank accounts. XXXX and a Chase Relationship Banker reviewed her accounts and noticed that from her Savings account there was a total of {$100000.00} USC withdrawn from her account. At which point, the Chase Banker contacted the Fraud Department at Chase and initiated an investigation. This is investigation is pending at this time