davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
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. (IN)

I, consumer, XXXX XXXX received a alert from XXXX XXXX on XX/XX/XXXX in regards to a closed account. XXXX XXXX closed my account with a balance although the balance was paid in full. I sent my payment via certified mail and they received it on XX/XX/XXXX at XXXX. I spoke with a representative on XX/XX/XXXX and she stated that they will do a investigation on a lost payment. I never received a call back or anything in the mail in regards to the investigation being closed. There is no third party involved so this is me, the consumer, telling you for a fact that the payment was received by XXXX XXXX.
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (SC)

I was told by my insurance company not to pay the bill. They requested information from the Dr office several times to process the claim and they never sent it. The Dr office said they was not going to send any other information to the insurance company. They sent me a copy of my records and told me I could send it. The insurance company does not accept information on the claim from the patient. I should not have to pay this bill since I had insurance and the Dr office failed to provide the requested information to process the claim.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (CA)

Successfully withdrew {$300.00} from ATM on XX/XX/year>. Tried to withdraw another {$300.00} right away however ATM rebooted, gave me a receipt but didn't give out the cash. ATM debited a second {$300.00} from my account but it failed to provide the money. I only got the cash for the first {$300.00} transaction. 

I called ATM company right away but they told me to call the bank. I called the bank but they asked me to call back next day. Called next day and submitted a dispute. 

Received an email on XX/XX/XXXX that they are declining my dispute. I called same day to appeal and request evidence of their investigation, was told they would submit my request but I never heard back. 

I never got the second {$300.00} and bank is refusing to provide me the money back and has failed to provide documentation as evidence as to why they are declining my dispute.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Called the " three '' credit reporting agencies and have reported to them my most up to date information and they continue to have multiple addresses that I have no relation with on my credit report and weird invalid phone numbers! 

I have spoken to a human from all " Three '' and have received robotic irrelevant responses thus far from the credit report agencies via USPS..

When it comes to my credit ; a human should be working and hopefully my letter ( s ) haven't been thrown thru a automated machine.. Things have been validated when things are absolutely invalid and wrong/incorrect ... 

When I have disputed Hard Credit Inquiries I have received letters explaining what they are and not upholding my rights and actually investigating the inquires. I'm tempting to sue the " Big Three '' for I feel I'm not being taken seriously as a consumer and VERY unhappy with them not following the RULES and the LAW!
Consumer complaint received 2023-01-30
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, XXXX account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX 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 2023-01-30
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: Experian Information Solutions Inc. (NY)

I was reviewing my credit report with the XXXX credit agencies, Experian, XXXX, & XXXX with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted more explanation on. 

I am not 100 % sure if the following accounts are accurate or indeed even mine. I received the disputes back and they did not provide any documentation stating these were indeed my accounts. 

I also noticed there are inconsistencies with what is listed per agency ( see attached documentation ). 

Per the Fair Credit Reporting Act whereby law, I have the right to challenge anything I am not sure is accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15. U.S.C. Sec 1681i ( a ) States if the credit agencies can not provide proof, the accounts must be deleted. I did not receive any proof or verification showing that the accounts were indeed mine.

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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act my rights were violated. 

Thank you so much for your assistance with this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-03
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. (NC)

I have reviewed a copy of my credit report and I show company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2024-03-20
Product: Credit 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: Bread Financial Holdings, Inc. (CA)

I received a notification from XXXX stating I changed my address, while over looking things on my XXXX credit report online, I noticed a charge on my XXXX card for {$270.00} dollars, I paid XXXX off in XXXX of 2023 and have not used this card since I paid it off. I went online to look at my XXXX statement and notice the address was changed to XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The same address that appeared on my Credit report. I called XXXX talked to someone in the fraud unit and informed them that I did not change my address nor have I used that card since it was paid off last year, they said they were going to investigate it. I filed a dispute with the main credit bureaus, XXXX informed me that XXXX is ststing everything is correct, I still live at the same address XXXX XXXX XXXX XXXX XXXX CA XXXX I am in the process of buying a house that's why the card was paid off and I wasn't using it
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

I got my Amazon chase card last year and have paid my balance with no issues. On XX/XX/XXXX I made a {$1000.00} payment. When I couldn't use my current reward points on the card I checked my account and noticed there was a second {$1000.00} payment pending. I called and explained I only made 1 payment. The rep said it was fine and it would go away. The next day my account was blocked. I called and it was unblocked ok. 3 days later my account was completed closed due to a returned {$1000.00} payment that I didnt submit, and also didn't present itself to my bank at all. Ive argued with chase for 2 weeks they refuse to reopen the account. If they would have presented the unauthorized payment it would have still been paid. It never came to my bank and I never made a second payment. I begged to investigate a technical error. I am good. I sent copies of my bank statement it was never looked at and I also tried to call my bank and the bank representative told me if I didnt hang up the phone he would hang up and not help me. 

I have 4 other cards with other banks. My XXXX 5 years, one of my XXXX  XXXX cards 15 years, my second XXXX  XXXX 10 years and my XXXX XXXX for 3 years. 

I was about to move my XXXX  XXXX checking and savings account to chase. I will never do business with them in life again.
Consumer complaint received 2023-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

This bank is the most disrespectful and incompetent bunch of people I have ever seen in my life. I had XXXX transactions that charged multiple times and it has been over a week since these transactions have been pending. The correct transactions have posted, yet Wells Fargo refuses to release the $ XXXX of my money that they think they are entitled to keep for themselves. I reached out to the bank and was forced to deal first with someone in another country who barely spoke XXXX and then by an XXXX XXXX who told me that the only thing she would do was file an authorization for these incompetent XXXX  to continue sitting on my money for another XXXX  days. I am sick of this and I want my money refunded NOW. If it is not back in my account by the end of XX/XX/2023, I will be filing legal action against Wells Fargo for refusing to return my money.
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (ID)

In XXXX, my mortgage with Cash Call was sold to XXXX XXXX. During that transaction, Cash Call erroneously debited by account for an extra mortgage payment ( {$910.00} ). I immediately contacted Cash Call, but the refund check was sent to my previous address. I have contacted Cash Call 5 times over the past 4 months. Each time, I am assured the check will arrive within 5 business days, but it never does. I have also been told 1 ) the check will be sent overnight, which it wasn't, and 2 ) they will apply the money to my next payment, which makes no sense as Cash Call no longer holds the mortgage. 

Impac Mortgage Corp., dba CashCall Mortgage XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-01-29
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: CNG FINANCIAL CORPORATION (CA)

About six months ago I had discovered that i am a victim of identity theft. I discovered that some one unknown to me had used my personal information to get few credit cards and few personal loans under my name. I immediately filed an identity theft report and sent it to original creditors and credit bureaus. Among these creditors there was a company called AXCESS/CNGO. I have contacted this company at least half dozen of time and disputed this account with the credit bureaus and original creditor and as of today i have not got any respond from them and they keep saying this account belongs to me and i requested validation fr5om them and i have not receive nothing from them.
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMCOL Systems, Inc. (IN)

I keep repeatedly receiving calls from XXXX that are coming up as potential spam through XXXX XXXX XXXX XXXX XXXX. They keep leaving voicemails stating that they are XXXX XXXX XXXX and that they are a debt collector and to contact them. I do not currently have any debts nor have I received any correspondence by mail from this company stating what this debt is relating to.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

XX/XX/2014 ACCOUNT NOT OPEN IN MY CONCENT TRUED TO DISPUTE CAME BACK VERFIED ACCOUNT DISPUTED FOR YEAR LONG NO RESULTS COME BACK VERFIED ACCOUNT ON XXXX
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

I recently submitted a complaint in which the company has responded too by providing verification of the debt when I specifically asked for validation. I am giving this debt collection company one more chance to make this right. I receive multiple phone calls from this third party company multiple times throughout the day which is a violation of 15 U.S. Code 1692d. I asked this company to validate the debt multiple times via phone. As a third party company they are not able to produce any contractual legal obligation and/or evidence proving that I owe that company anything. They also offered a discounted amount which is a violation of 15 U.S code 1692d ( 4 )
Consumer complaint received 2021-01-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diverse Funding Associates LLC (CA)

They actually put this on my credit account and didn't notify me with any paperwork or anything and then refused to provide any documents for retaining my information i never received any notification from this company and the company ( the original creditors are still calling asking for money after selling my information to a collection agency
Consumer complaint received 2021-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Thief Report in the attachments. 

I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX Account number XXXX Account type Collection Account info Account name XXXX Account number XXXX Account type Collection Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) they should be removed.
Consumer complaint received 2021-05-03
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: The CMI Group, Inc. (NC)

I have reviewed a copy of my credit report and I show company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX  is reporting inconsistent and inaccurate information on my credit reports which is greatly affecting my credit score and is in violation {$1000.00} per violation with the FCRA. Ive disputed this account before and yet this account continues to report the inaccurate information. For example it reports the Date Of Last Activity for XXXX  is XX/XX/XXXX while for XXXX  reports XXXX/XXXX/XXXX. This is a violation of the FCRA by this account has be ILLEGALLY re aged the account showed closed back in XXXX and thats supposed to be the last active date. This account also shows that its closed but yet with XXXX  also shows late 120 days. This is another violation by an account that is close ended can not be late unlike open ended credit card accounts per the FCRA. Ive disputed this account before with experian back in XXXX of XXXX but yet on the report it did not update the date reported which shows XX/XX/XXXX which is a violation of the FCRA by its suppose to update the account status each time its disputed. XXXX  shows the last payment was XX/XX/XXXX and XXXX  shows XX/XX/XXXX. If all the credit bureaus are getting their information from the same company how is it that theyre reporting different information. TransUnion as well has inaccurate and inconsistent information which will be attached
Consumer complaint received 2020-09-12
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)

THERE ARE SOME FRAUDULENT ACCOUTNS LISTED ON MY CREDIT REPORT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 I had {$4700.00} stolen out of my business checking account with Chase Bank through the XXXX app. I have deduced that a hacker got into my laptop and then into my bank account. Once in my chase bank app and into XXXX, the hacker created a new XXXX recipient- XXXX XXXX- and sent that recipient {$4700.00} via XXXX. Chase has investigated this case XXXX times, each time denying that this is fraud because the IP address is consistent with my usage and there is no evidence of multiple efforts to get my password correct. I have repeatedly denied authorizing this transfer of funds, yet Chase continues to refuse to refund me, claiming there is no evidence of fraud. Essentially Chases finding is calling me a liar and a criminal - if my report of theft is not true then arent I trying to commit fraud? I have been robbed via the XXXX app and Chase needs to refund me since I did not authorize this transfer of funds.
Consumer complaint received 2022-04-26
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. (DC)

This is XXXX XXXX. This is a statement verifying my identity, along with my proper identification. In accordance with 15 USC 1681 ( h ) I would like to receive correspondence to the below address XXXX XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Any future correspondences from this day forward is coming from me. 

Equifax was sent a letter disputing information being reported on my consumer report from me and was received by the company on XXXX/XXXX/2022. 

File # XXXX
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

RE ; Shellpoint a Division of Newrez, XXXX XXXX, Account XXXX Mortgage regular payment for XX/XX/2024 sent US Mail, Check # XXXX {$1300.00} recorded on account, ( principal {$570.00} Interest {$330.00} Escrow {$470.00} ) also sent separate check for XX/XX/2024 # XXXX {$5000.00} for principal payment only check # XXXX was accepted by Shellpoint for the Erroneou amount {$310.00} the extra Principal. Therefor they did not record the total amount paid to principal {$5000.00} ( {$6300.00} total sent for the ( XXXX ) checks they received ) Total amount not applied to principal Paid {$4600.00} Thank You, and would greatly appreciate your assistance in recovering the XXXX Sincerely. 
XXXX XXXX Shellpoint XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2021-03-23
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. (MD)

i have an incorrect inaccurate bankruptcy being reported on my credit report disputed it in the past Transunion came back said it was verified with the court house which is incorrect contacted the courthouse they assured me they did not and do not verify bankruptcy to third party companies and yet they claimed they did also sent them the letter from the court house and yet its still being reported also they are also reporting unauthorized inquires on my report
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (MI)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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