davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
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. (FL)

I have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from my credit report.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: COMMUNITY REINVESTMENT FUND (GA)

Dear XXXX, XXXX, and XXXX, I am writing to bring to your attention an important detail regarding the dispute process for accounts listed on my credit reports. Upon checking my credit reports on XX/XX/XXXX, I discovered discrepancies and immediately initiated the dispute process. 

It is crucial to note that XXXX XXXX XXXX reported the account in question just this month, in XX/XX/XXXX, following my initial dispute. This timeline is significant as it suggests a direct response to my actions in questioning the accuracy of the reported information. 

I want to emphasize that this sequence of events reinforces my concerns about the accuracy and legitimacy of the reported account. It suggests a reactive rather than proactive approach to reporting by XXXX XXXX XXXX, which raises doubts about the integrity of the reported information. 

I urge you to consider this timeline in your investigation and review of the disputed account. It further underscores the urgency and importance of resolving this matter promptly and accurately. 

Thank you for your attention to this matter. I look forward to your thorough investigation and prompt resolution.
Consumer complaint received 2022-07-20
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. (IL)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

Good afternoon, In XXXX, I created my company XXXX XXXX and I needed to open a Business account. So I chose Chase because they had an offer when you did a deposit of XXXX XXXX you did not have to pay monthly fees for new Business account. 
Beginning of XXXX, I have started receiving monthly fees to pay with no notification from Chase that they changed their rules of having now a minimum of XXXX $ of deposit. 
So I had an appointment in XX/XX/XXXX to explain the situation with my contact at XXXX XXXX Chase branch ( with XXXX XXXX ). She supposed to reimburse the current fees and I had a check of XXXX $ to have a total of XXXX $ as a start. 
But the next month I have been continuing having fees of XXXX $ per month. I have let several voicemails and emails to XXXX XXXX to understand why I was having ( and still have ) this situation. 
XX/XX/XXXX I called the Chase Service Center after talking to 3 different agents, the only answers were : ''Try another branch '', ''Try to have another appointment with the same contact '' or ''we can not help you online ''. 
My Business account statement from XX/XX/XXXX ( attached ) shows exactly that what I did was supposed to be done but they did not stop de monthly fees. 
I have no other solution to complete this complain because I do know how to fix this situation which is originally a Chase ' mistake. 
Regards XXXX XXXX
Consumer complaint received 2022-02-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX / XXXX / {$9300.00} XXXX XXXX Code XXXX XXXX Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (AL)

THIS IS MY SECOND TIME DISPUTING FRAUDULENT ACCOUNTS AND UNAUTHORIZED INQUIRES. I HAVE SENT IN MY POLICE REPORTS, FTC REPORT AND IDENTIFICATION VIA MAIL CONTINUOUSLY. THESE ACCOUNTS KEEP COMING BACK VERIED AND ACCURATE WITH NO PROOF. I HAVE LOOK AT MY XXXX XXXX AND NONE OF THESE ACCOUNTS ARE LISTED. I WANT TO KNOW HOW ARE THESE FRAUDULENT ACCOUNTS ARE BEING VERIED. ALSO, I CAN NOT REVIEW MY CREDIT REPORT ONLINE. IT TELLS ME TO GIVE A CODE TO AN EQUIFAX REP. WHEN I CALL THE REP DOESN'T KNOW WHAT I AM TALKING ABOUT. 

XXXX XXXX IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ALL XXXX credit Bureaus have been made aware via certified mail. 
Sent in XXXX report via XXXX XXXX mail and filed to credit bureaus on XX/XX/XXXX XXXX Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : XXXX XXXX Name : R Last Name : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Email : XXXX I did not consent to nor authorize or benefit from following fraudulent accounts below. Please lock and remove them immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNXXXX 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 Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : Inquires Total fraudulent amount : {$0.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an XXXX Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (GA)

Dear XXXX, XXXX, and XXXX, I am writing to bring to your attention an important detail regarding the dispute process for accounts listed on my credit reports. Upon checking my credit reports on XX/XX/XXXX, I discovered discrepancies and immediately initiated the dispute process. 

It is crucial to note that Jefferson Capital Systems reported the account in question just this month, in XX/XX/XXXX, following my initial dispute. This timeline is significant as it suggests a direct response to my actions in questioning the accuracy of the reported information. 

I want to emphasize that this sequence of events reinforces my concerns about the accuracy and legitimacy of the reported account. It suggests a reactive rather than proactive approach to reporting by Jefferson Capital Systems, which raises doubts about the integrity of the reported information. 

I urge you to consider this timeline in your investigation and review of the disputed account. It further underscores the urgency and importance of resolving this matter promptly and accurately. 

Thank you for your attention to this matter. I look forward to your thorough investigation and prompt resolution.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

I recently refinanced my mortgage. I was told at the closing that the mortgage payment would be higher because my insurance was being escrowed in. I informed the bank that I already have insurance which covers the property which has been prepaid and will last for the next 2 years. They said they would adjust this but have n't and whenever I call them I get an enormous run around. I 'm being charged at least $ 700 monthly for insurance that I already have. Please help.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

XX/XX/2023 i opened an account with Citibank online. I had a few depsots placed into my account totaling about {$140.00}. About a week later i noticed issues with accessing my account. When i called they accused me of depositing a fraudulent check. Citibank then froze my account with my knowledge. When i tried to call again they stated that my account was going to be closed with no mention of receiving refund of the balance of my account. After calling back today XX/XX/XXXX i was told that it would be about 30-60 days until they close my account fully before a check from there corporate wouyld be mailed out for the remaining balance. i have call several time between XX/XX/XXXX and XX/XX/XXXX in regards to my account while receiving very litte to no help from Citibank officials.
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (MO)

After working with Chase Bank on an Internet scam ( XXXX ) for over 18 months with credits applied to my credit card account ( ending in XXXX then changed to XXXX to eliminate this issue ). I closed this account in XXXX 2015 with balanced paid in full. In XXXX 2015 I received a letter saying I authorized them to reopen another account which is not true. Now I keep getting bills with late fees.
Consumer complaint received 2020-09-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the account was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$23.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CIBC BANCORP USA INC. (IL)

I'm trying to find the source of an ACH transfer made to my checking account from CIBC bank to XXXX bank. Each bank says the other bank has the information and is responsible. I have made three calls to each bank and received no satisfaction. I want to know who has access to my checking account and who gave them access. It seems to me a simple request and information I should have. Neither bank was cooperative. For me, the amount was considerable, {$1600.00}. I don't want the same source to begin withdrawals from my account
Consumer complaint received 2022-07-20
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. (MO)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the account was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$23.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2016-02-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been trying to aquire a loan modification through Wells Fargo. However, the deciding factor is the lien I have against me from the state of California for rear child support. I have spoken with the child support division and the have spoken with their legal team. The legal team has told me, they are willing to temporarily lift the lien so modification can go through. The only documents they have requested from Wells Fargo and or myself is Mature Installments ''. I have completed paperwork 3 or 4 times now only to be tokd by Wells Fargo that I must come current on my child support. It has been very frustrating and disappointing to have had to repeat this process only to get the same result. If the State of California is willing to lift the lien, why is Wells Fargo refusing to provide the necessary documents?
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (IL)

I have had XXXX credit cards from the same banking institution for many years. XXXX has an interest rate almost double of the other XXXX. I wanted to get that higher rate lowered at least a little bit. I hit a brick wall when calling the Customer Service number on the back of the card. I went to a local branch and spoke with the Branch Manager. He was very helpful and informative and said he 'd contact his counterparts in the Credit Card Division and see what could be done. He called me back within 24 hours saying he 'd hit the same brick wall. The Credit Division was adamant in their stance that the rate remain at almost 25 % when the other XXXX cards were lower than 12 %. I want to know why they wo n't even talk to me or the Branch Manager about how to get the interest rate lowered.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2023-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (MI)

I ordered a XXXX jacket through the XXXX XXXX paid in full XXXX XXXX payments one for XXXX and the other was XXXX. I never received this jacket. I have disputed with XXXX and XXXX and the post office that misdelivered my package and between all three companies involved no one wants to except accountability. Post office marked my package delivered but it was to the wrong address. I went to the post office and they showed me a map to where the package was delivered and it wasnt my house. Then I was told they not responsible for misdelivered packages. No one would help after numerous disputes with the companies involved. I had no choice but to file a claim with my bank and got a charge back for non receipt of goods. I will not pay for something I never received. Its a shame that XXXX. XXXX and the post office would treat their customers like this. I dont owe XXXX anything I paid for all items ordered except the item I never received.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i was young and didnt know anything about credit. when i checked my credit report i noticed i was a victim of idenity theft. there are accounts that i never opened. i do not understand how this was even able to happen. i have a fraud accounts : XXXX XXXX XXXX  # XXXX {$730.00} ( ive never had XXXX and XXXX is no longer in business ) XXXX XXXX XXXX # XXXX {$660.00} ( ive never stayed in florida a day in my life ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} ( i never stayed in florida ) . 15
Consumer complaint received 2022-07-20
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. (MO)

I have been a victim of Identity theft. My information has been exposed in the Equifax data breach. The following accounts, inquiries, and inaccurate addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me. I am submitting this complaint today to inform you about this matter. I researched on how to remove the fraudulent information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX BANK OF XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-07-09
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. (TX)

I've went online many times for over a year on XXXX, Transunion and XXXX  disputing that I never lived at XXXX XXXX, XXXX, CA. I've waited on hold for 45 minutes or more explaining this address is wrong and I never lived in California. To this day, the 3 bureaus still have not removed this address. When I try to open an account and I'm asked security questions, this address pops up. If I respond I never lived at the location, I'm denied an account or my credit report is locked because I had to respond I lived at this address in the past. Again, I've never lived at the address nor lived in California. I want this address permanently deleted off my credit report.