davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (TN)

I have/had an account with XXXX XXXX and I had file a chapter XXXX wager earner. the following year i had drop it and start paying out of pocket again. But later, I notice the had a repo on my credit report but I was paying and driving the car. And it was showing closed. Now, they reopen the account on my credit and mark it as a new account.
Consumer complaint received 2021-09-23
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: SYNCHRONY FINANCIAL (CA)

We discovered at the beginning of this year that I have been victim of fraud again. One of the banks issuing one of the accounts was Synchrony Bank XXXX XXXX XXXX, we informed them and they accepted that this was a fraudulent account and they removed it. Now a couple of months later, we discover that they have allowed to open a new account even dough my credit has been reported under identity theft, we have been working for months to repair it and even placed a freeze. Now they accepted another fraudulent application and they are claiming $ XXXX which just threw my credit back from mid 700 's to mid 500 's All of this months cleaning my credit and money spent, and now they killed me again.
Consumer complaint received 2021-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

These accounts don't belong to me. Please remove the from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft CAP ONE NA Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I have/had an account with Credit Acceptance and I had file a chapter XXXX wager earner. the following year i had drop it and start paying out of pocket again. But later, I notice the had a repo on my credit report but I was paying and driving the car. And it was showing closed. Now, they reopen the account on my credit and mark it as a new account.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (OH)

Opened a Citi checking account and funded with {$5000.00} XXXX XX/XX/2020 ). I originally opened this checking account in order to receive a promotion of {$200.00} that required having it funded with XXXX for over 3 months. Opened an attached Citi savings account funded with ~ {$2000.00} XXXX XX/XX/2020 ). Made a single external transfer of XXXX {$800.00} from savings account in order to pay my rent XXXX XXXX XX/XX/2020 ). About a week later I could no longer make transfers XXXX which I need to do to pay my rent ). I called and was told that their fraud team would look over the account as there was suspicious activity. I verified my identity and told them it was an authorized transaction. They held the account in limbo anyway. I called a few days later as the account was still locked. I was told they would be closing the account. Confused, I asked why. They could not give me an answer. The representative told me that they would require XXXX3 MONTHS to distribute my funds back to me as a check. 3 MONTHS. At this stage I have waited the time and now the accounts are empty. I have yet to receive a check.
Consumer complaint received 2020-08-31
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. (NC)

On XX/XX/2020, XXXX XXXX representing XXXX XXXX   XXXX, XXXX accepted {$1000.00} as settlement paid in full in reference to a debt from XXXX. On XX/XX/XXXX my credit report stated a derogatory account with a new balance showing? Thats not our agreement and I have it in writing.
Consumer complaint received 2020-12-06
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: SYNCHRONY FINANCIAL (FL)

This account does not accurately report that the account was settled on XX/XX/2018 for {$1.00}, XXXX. Nor does it reflect that I made three payments as shown on the attached Scheduled payment.
Consumer complaint received 2021-04-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

On XXXX I sent a letter to all three credit bureaus about an account that I believed to be reporting incorrectly. I sent that letter via mail and still have not received a response back. I don't feel as I am liable for this debt due to the fact that it's not only reporting incorrectly but the bureaus are unable to provide me with anything on how this account was verified.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Remex, Inc. (NC)

REMEX INC are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. REMEX INC are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by REMEX INC pursuant to 15 USC 1692k civil liability.
Consumer complaint received 2024-07-01
Product: Credit reporting 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. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2020-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IN)

Received a large deposit into my checking account at Chase from Massachusetts PUA unemployment of {$18000.00} on XX/XX/XXXX. I paid some bills and withdrew {$7000.00} in cash inside a chase bank. On XX/XX/XXXX about XXXX XXXX EST, I received a text message on my cell phone that my phone number had been removed from the chase mobile app and to call to get reset to be able to get into my account. I called and found out about 20 minutes into the conversation that in a review of my account/ that chase had made a decision to closed my account within 10 days and would send any remaining funds in my account to me/ no reason was given as to why my account was being closed. 
I called on Monday, XX/XX/XXXX and was told a different story by a fraud department representative that my account was being closed due to chase had been informed that all persons/ who had an account with chase and received a large deposit from any state unemployed/ their accounts were to be restricted/due to states unemployment had been hacked and the unemployment offices was not sure who was to receive unemployment and they was waiting on Massachusetts to let them know if I was entitled to the benefits. Told me to keep checking back. On the XXXX, I was told by representative my account was closed and I was asked if I wanted my funds mailed to address on file or if I had a different address/ I stated that could mail my funds of {$8300.00} to the following address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, because I would be there for the next few months to care for my sick mother. On the XXXX, I called and spoke with another representative who said that chase could not release my funds to me/ provided no explanation and I asked if I could go to a branch to get my funds released and was told no. I asked would funds be sent back to Massachusetts PUA unemployment and was told no to that as well. My account is closed and that ended my relationship with Chase and there is no reason chase is still holding my funds.
Consumer complaint received 2021-04-08
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. (IL)

On XX/XX/XXXX, XXXX XXXX  XXXX  opened an account in my name. I do not remember opening said account and have reason to believe it is FRAUD. 

As of XXXX, this acct has been reported to collections with XXXX XXXX for {$630.00}. Which is badly affecting my credit score
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-04-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Credit Management, Inc (AR)

Professional management is illegally pursuing to collect a debt and breaking the HIPAA laws! No HIPAA transcript or disclosure was mailed with the debt validation packet! 

I previously mailed the company certified mail to inform them this must be deleted but no action has been taken
Consumer complaint received 2019-08-29
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. (NY)

XXXX XXXX # XXXX is in collection status on my credit report, however this account should never have gone to collection. I have never been late or missed any payments and I have a letter attached that XXXX sent clearing my account.
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I am in need a receipt for the wire transfer that I completed over the telephone with SunTrust Bank. I was unable to do the wire transfer in person at any of the SunTrust bank branches near my office because all of the mangers were on vacation and no one was authorized to do a XXXX wire. I had to do my wire transfer over the telephone and after doing the transfer I was instructed that in order to get a receipt the branch that signed me up would need to sign me up to receive notifications. I then called the branch, the branch transfered me to customer servicie and customer service then transfered me back to the branch. The branch manager was extremely rude and stated she could not help me. No one had any information for me. I need a receipt for this wire that shows what account the money went to. My confirmation number is XXXX. The branch was the XXXX XXXX in XXXX Georgia that refused to assit.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I entered a consumer credit transaction with US DEPT OF ED/XXXX  and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that US DEPT OF ED/XXXX  claim I owe. US DEPT OF ED/XXXX  has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2020-08-31
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. (MI)

RE : XXXX XXXX AUTO LEASE ACCT # XXXX XXXX XXXX XXXX is knowingly reporting my auto lease 30 days late to XXXX, XXXX and TransUnion for the month of XX/XX/XXXX. My lease payment was due on XX/XX/XXXX of {$240.00}. I made a successful payment on XX/XX/XXXX for {$240.00}. However, XXXX system in error applied that payment to the end of the lease in XXXX, I contacted XXXX, they acknowledged the error, but were indifferent to the 30 days late they wrongly reported and refused to update the error until the next billing cycle, In the meantime, this error dropped my credit score 40 pts. I was intending to lease another XXXX through XXXX XXXX, but now unable to do so until the 30 days late is corrected. 
I have spent hours of my own time calling and talking to numerous XXXX representatives, even receiving 2 phone calls on XX/XX/XXXX & XX/XX/XXXX, from agents who identified themselves as XXXX XXXX employees that work in the Office of the President, XXXX XXXX. They both assured this issue would be resolved, but a week later nothing has changed online or with XXXX, XXXX or TransUnion. 
Additionally, XXXX XXXX 's website will not allow me to make my XX/XX/XXXX payment. The payment platform gives me one option top pay {$960.00} ( which I do not owe ) XXXX XXXX is aware of this and has said once that option is corrected they will back date my payment for XX/XX/XXXX. We will see ... 
My attorney advised me to apply anyways and if XXXX XXXX   refuses me, file a lawsuit for damages. I think I will follow his advice.
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (TX)

I first contacted Zwicker and Associates P.C. in XX/XX/XXXX about my XXXX XXXX  going to them due to non-payment. I contacted them and set up a payment plan for XXXX months for {$100.00}. I had to contact them about a week later because my payment plan was not set up right the first time I contacted them. I never received any documentation for Zwicker and Associates P.C. about the debt other than the document stating thank you for your payment it has been processed. I did contact Zwicker and Associates P.C. on XX/XX/XXXX, to receive debt validation paperwork from them which I did receive on XX/XX/XXXX. 

When I have talked to Zwicker 's associates back in XXXX, the employees were rude and were pushy when I didn't agree to anything they stated. Not XXXX of them ever stated about sending me documents about the debt, they only wanted to get money.
Consumer complaint received 2021-10-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AXOS FINANCIAL, INC. (TX)

I had to issue an initial complaint with the CFPB in order to get Axos to issue me a refund for {$410.00} that was debited via an autopay from my account on a loan that no longer exists ( was paid off 2 weeks prior ). Now I'm issuing another complaint because the refund check they issued bounced with my bank. I have now incurred a return fee. I've tried calling Axos and no one picks up. I'm on hold for what seems like forever. I also opted for their callback service 2x and no one has returned my call. Poor customer service. 

I need them to issue a new check and ensure funds are available this time or to ensure whatever caused the initial rejection to not happen again.
Consumer complaint received 2021-04-08
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: Waypoint Resource Group, LLC (CA)

I previously disputed a tradeline held by the collection agency XXXX for the creditor XXXX/XXXX  in the amount of {$300.00} on my XXXX report on XX/XX/XXXX. On or around XX/XX/XXXX the results were completed and the tradeline was properly removed as inaccurate credit reporting. On XX/XX/XXXX, the XXXX/XXXX  account was transferred to Waypoint Resource Group who reported the same XXXX/XXXX collection account for {$300.00} on my XXXX  report, which I disputed. However, XXXX refused to remove the same tradeline after the dispute was completed on XX/XX/XXXX. Pursuant to 15 U.S.C. 1681i of the FCRA, XXXX  is required to immediately remove the tradeline or face civil liability for willful noncompliance.
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CT)

I'm writing to explain a situation in which I believe the bank that handles my mortgage misled me regarding credit reporting. 

I have had a long history of paying my mortgage via automated payments. I was late for a payment in which I realized that my automated payment had ended by error. I called Chase to figure out where the problem was, and in hindsight we realized together, over an extended phone call, that my automated payments were, in fact, coming in late when I thought they were getting there early. Due to the autopay being shut off I made a manual payment on their website to get the account current. The payment was sent back to my bank twice, I don't know why as I had the money in my bank account. Chase never contacted me regarding this issue, but once I realized there was a problem with their manual payment system I checked my accounts daily to make sure that the mortgage was being paid, as I was concerned about this affecting my credit. 

Another thing to note is that when my autopay scheduling was off Chase never contacted me to let me know there was a consistent problem occurring. This resulted in Chase charging me about {$650.00} in late fees that they never communicated. 

During my phone call with Chase I let them know that I was very concerned that this would affect my credit, at which time they assured me it would not. I was very disappointed and upset to then see a mark on my report that I had a late payment recorded for my mortgage. 

I believe that Chase did not do their due diligence to contact me regarding late or missed payments, and that they reported a late payment on my credit when they specifically told me that I would be safe, and without communicating to issue to me first so that I could have taken steps to mitigate the problem.
Consumer complaint received 2020-08-31
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. (NV)

Transunion does not understand the meaning of " Information Furnisher ''. An information furnisher is a company that provides  information to consumer reporting agencies. Information furnisher is governed under the Fair Credit Reporting Act ( FCRA ). Examples of Information furnisher are state of municipal courts reporting a judgement of some kind, past and present employers and bonders. XXXX XXXX do not fall under this category. XXXX XXXX laws are the FDCPA not FCRA. Credit reporting agencies, such as TransUnion are required to conduct an " INVESTIGATION '' of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information, not a third source such as XXXX XXXX or any other third-party source. TransUnion continuously keeps responding to my dispute of the Bankruptcy not being mine and belongs to someone with a similar name. The filing for the Bankruptcy that is reporting on my TransUnion credit report is in XXXX. I lived in Nevada in XXXX. The bankruptcy that is showing on my credit report along with a XXXX XXXX is that of someone else with a similar name with a different address that does not belong to me nor should it be reporting on my credit report. I take my credit file seriously! I am sick and tired of the pre-made generated letters stating Transunion " VERIFIED ''! I also, contacted XXXX XXXX and they did not confirm any information to Transunion due to my file with them is frozen. I have documentation from XXXX XXXX showing that the address that is linked with the bankruptcy does not belong to me.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.