davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXX - XXXX Last XXXX digit of XXXX : XXXX
Consumer complaint received 2023-04-05
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. (NY)

XXXX XXXX XXXX XXXX  is reporting on my credit report at Transunion i have and account with them from 2017 as an authorized user. i do not have and account with them.
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Yes, created a dispute with Transunion, but no dispute number or response. 
XXXX The Issue**On XXXX XXXX 2015, I was looking on line for XXXX plans, to activate my ( I owned ) personal phone with a pre-paid or pay as you go plan. I came across XXXX such plan with a monthly {$35.00} fee and no activation fee. I activated it & received an order confirmation ( attached here ) with " {$0.00} on fees & XXXX monthly ''. This was for emergency use by my XXXX yr old son and some how he lost the phone in a week. So on XXXX XXXX, I requested to disconnect & a partial fee request..which should have been ( 10 days XXXX XXXX = {$12.00} ). 
However I ended up receiving an invoice for {$54.00} ( that included a {$40.00} activation charge ). 
I have called XXXX & tried to resolve the issue number of times, mentioned about the order confirmation mentioning no activation charges. However they have been adamant and are forcing me to pay the activation fee. Which I dispute and I am not willing to pay. 
This has ended up in my credit history. I believe this is unfair and unethical. 
*****It seems more like blackmail by XXXX XXXX " pay up or we will spoil your credit history '' **Hence I would like CFPB to intervene and advise XXXX & Transunion to correct this negative information from my credit records. I do not have any other negative information on my records and this single event spoils my credit history by more than XXXX points.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Check fraud on Chase Checking Account, 5 checks with amount of {$4900.00} each ( total= {$24000.00} ) on XX/XX/XXXX in Illinois , i live in California and have no dealings in that State. 

Immediately contacted bank next day Sat XXXX-closed checking account impacted as they advised me. That impacted account was closed. Made police report immediately. They asked me to check the accounts on Sat XX/XX/XXXX for anything else, there was nothing else. Their fraud dept. did an investigation & supposedly thoroughly check all possible fraud, and i got reimbursement. 

However, new check fraud {$4900.00} on XX/XX/XXXX against the same checking account that was closed XX/XX/XXXX but $ $ was taken out of savings XXXX. when they guy used checks against checking which was already shut down. 
It went undetected, until i was doing my taxes XXXX, i reported it immediately but after investigation they said yes it is fraud but they would not honor my claim on a technicality that it is past XXXX Chase really does not have proper security for their checking detection. On XX/XX/XXXX ( 2 days after checking closed ) a bank manager from Illinois called me saying that my account was closed and someone was trying to take {$4900.00}, she said he was not allowed to cash it but it looks like Chase did allow and charged it to my Savings account without me knowing. 

How can the consumer, be expected to monitor every single transaction and do all the work of fraud dept. who likely did not do a proper investigation & analysis of transaction in my case. Then stiff the consumer who did find the fraud on a technicality of 60days reporting ( is that the law? ),. I have several savings and checking account with Chase and have many transactions a month on each account. {$4900.00} is a lot of money to lose I have been a local customer at Chase for close to 15 years. Your money is not safe at Chase, the onus is totally on consumer to be vigilant and their check security and people withdrawing is extremely unsafe. The guy who did the fraud checks, hit 5 different Chase banks in the same day and was able to withdraw same amount {$4900.00} but no flags went up in Chase system. I had to catch it and flag next day.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a XXXX  XXXX XXXX Credit Card reporting on my personal credit file and this was not a personal account. This was listed under a business account. The card was issued to XXXX XXXX XXXX   not to ME. The account number showing on the Credit Report is XXXX
Consumer complaint received 2016-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (TX)

I went to XXXX and borrowered {$30000.00}. They now tell me i owe over {$32000.00} and i had a total balance of over {$55000.00}. There is in no way I ever borrowed that much money as my mother paid for my tuition until the last 18 months of my education. There are XXXX notes which I signed for and they do not total $ XXXX. I consolidated my loans and I want answers. You can not talk to anyone here and you can only email. The website shows payments but, does not indicate a running principal balance to review where we are to keep track of where you on in the repayment process. I have been paying each month with no late payments since I graduated for 2 years now and I owe more than I borrowed. Please have them explain. There was an inquiry at the school about the federal student loans when I went there and now I wonder if I should of looked into this sooner.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (TX)

I have been having a very hard and frustrating time trying to get my money back from Chime Bank after someone hacked and cleared my account on XX/XX/2022 with XXXX sperate transactions one for {$380.00} and other one for {$1300.00}. I have made several claims to chime to try to get this resolved and they have done nothing but denied my claims time and time again. I do not know what else to do with them they are a horrible company Bank to deal with. They have had me email several departments i call and they dont help they tell me to email the chime support team and they send me the same message saying We do not find that an error has occurred. We consider this matter closed. I have sent them photos and evidence to back this up and still get denied. I have made it clear from the moment it was charged that i did not authorize the transactions. I was hacked they were able to get into my account change the email and phone number to the account so i was unable to get back in it took me 6 days to be able to have acces to my account again since chime can only help by emails when I call they tell me to email. This has been a very big inconvenience Inhave kids and bills that i havnt paid to this day almost XXXX weeks later because of this. I hope yall can help me XXXX thank you!
Consumer complaint received 2023-04-05
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX ACT # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-24
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. (FL)

I noticed the following accounts on my credit report. These are an error or a result of fraud as they are not mine. 

XXXX XXXXXXXX {$210.00} Opened XXXX XXXX XXXX {$120.00} Opened XX/XX/XXXX XXXX {$280.00} XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$390.00} Opened XXXX XXXX XXXX {$890.00} Opened XX/XX/XXXX I've noticed most of these accounts are medical and this is a violation of Hippa that any of my supposed information is being shared. I never received medical services or otherwise or authorized anyone to obtain or share my medical information or otherwise.
Consumer complaint received 2022-02-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

1. My insurance broker overcharged Bank of America approximately {$10000.00} which they notified me and submitted a check to Bank of America to reimburse them in XXXX of 2021. 
2. Because of the overcharge this placed my escrow account at a negative {$10000.00}.

3. Upon receipt of the approximate {$10000.00} check, Bank of America did not replenish the {$10000.00} in the escrow, but instead took the money and applied to other accounts.

4. This then caused numerous accounting anomalies resulting from the remaining negative escrow account. They, Bank of America, would take my monthly payment and break it up into what I call creative banking accounting, making partial payments to different items. 
5. Then they transferred my mortgage to XXXX XXXX on XX/XX/2021 with the negative Escrow 6. New lender states I have to replenish my escrow by the end of the month or face legal proceeding 7. I have uploaded the ups reciect that the insurance delivered the check to Bank of America. I also uploaded the Bank statement for XXXX and XXXX showing how they appropiated part of the payment which was not the escrow account.
Consumer complaint received 2022-02-03
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. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

On XX/XX/2022, I mailed XXXX, XXXX, and Experian to investigate false and misleading information they are reporting to my consumer report.I need proof that an investigation was done. I asked for YOU to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt. I would like to the name and address of the original credit. They have fail to provide me with any proof that I owe the alleged debt.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX To : The XXXX XXXX XXXX XXXX for XXXX XXXX XXXX, L.L.C. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and Capital One Bank ( USA ) National Association is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

XXXX XXXX XXXX XXXX XXXX, has invaded my individual privacy under 15 U.SA 1692 A.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (MI)

I am a natural person and consumer. EXPERIAN has violated my federally protected consumer rights. I am writing the on my own behalf. I have suffered several damages due to EXPERIAN violating my federally protected consumer rights.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2022, I mailed XXXX, Equifax, and XXXX to investigate false and misleading information they are reporting to my consumer report.I need proof that an investigation was done. I asked for YOU to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt. I would like to the name and address of the original credit. They have fail to provide me with any proof that I owe the alleged debt.
Consumer complaint received 2023-04-05
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)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2023-04-05
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. (MD)

Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (WA)

Better Mortgage / XXXX is offering something of value with refinances a {$2500.00} XXXX credit which is not legal and something of value to close a loan, as well as offering referral commissions to marketing. This is published not only on the attached but on their website directly.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Arbitration — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2016 I paid with my Bank Of America credit card ending in XXXX a down payment for a car to XXXX XXXX NY XXXX I had that car on lease and was trying to purchase the same car, the car was repossessed a day before on XX/XX/2016, they give me a sales contract for that particular car but they never delivered the car to me I cancelled the transaction after waiting 20 days for the car and the dealer never give me the car, I cancelled the credit card transaction and now I got a letter from the credit Card dated on XXXX saying that there is no documentation to support that we did not received the car I already purchased another car somewhere else, I do not think that I have to paid for a scam and a breach of a contract
Consumer complaint received 2020-10-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery has called me at different hours of the day or night and on weekends. I have told them to stop calling and have notified them in writing to stop calling. They are trying to collect on an old credit card debt that has past the statute of limitations in South Carolina, which is three years. The letter was sent on XX/XX/2020 and the last phone call received from them was XX/XX/2020. I told the lady who called that I have notified them in writing to stop calling and she said she would not because I would not give her my information. I told her I have already done that in writing and would not give it over the phone. I believe they are using collection tactics to try and restart the statute of limitations.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (OH)

Finally received a reply to my letter dated XXXX/XXXX/2020 from the debt collector. Attached is the certified letter I sent to LJ Ross requiring information under the FDCRA that I requested. They sent me only what they thought I needed and did not answer my requests. 

Therefore, this matter has not been resolved and NO solutions have been met, and places this debt still under investigation and needs to be removed from my credit report while being disputed. These debt collectors pray on people 's XXXX and who are not educated on the law and take advantage with their collection tactics. 

My next letter regarding this matter will be going to the Federal Trade Commission in Washington D.C.
Consumer complaint received 2023-04-05
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. (GA)

1. Certified letter sent to Transunion on XX/XX/2023, regarding investigation of a 30-day late payment regarding : Account Name : XXXX Account Number : XXXX. 
2. Received results from Transunion that 30-days late was verified, but no proof of the verification/procedure process provided as requested in the dispute letter mailed to Transunion. 
3. Two other credit bureaus ( XXXX XXXX XXXX ) reporting the above account as PAID AS AGREED. 
4. Called Transunion Disputes to obtain proof of verification of the 30-day late and did not receive.
Consumer complaint received 2015-07-29
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: RESIDENTIAL WHOLESALE MORTGAGE (CA)

XXXX XXXX, XXXX # XXXX & XXXX. Cost me a purchase transaction as he was telling my borrower he had to cross qualify with his lender. My borrower refused and had a pre-approval letter from Residential Wholesale Mortgage , Inc & XXXX. This is a violation of the Privacy Act and the CFPB takes this very seriously. The lender XXXX XXXX at XXXX XXXX would not accept our pre-approval letter. This cost me time and money and we are still looking for a home. 

XXXX XXXX XXXX, XXXX # XXXX XXXX # XXXX
Consumer complaint received 2016-12-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I disputed items on my credit report. XXXX being a XXXX account which continues to report as late, and the other being union adjustment company which is a collection institution. XXXX was included in my chapter XXXX bankruptcy which was filed in XXXX 2013. They continue to report late on my credit report and then sent my account to collections after I filed for bankruptcy. This collection account was assigned to this creditor in XXXX 2013. This is a violation of my bankruptcy, this account also has me reported as a chapter XXXX when I filed a chapter XXXX.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Other — 
Company: The Moore Law Group (CA)

Each year the XXXX and the law firm who is representing them harrassed me and file diffrent claim against my bank account, by phone call and last week by the involuntary lien which they put on my property. 
On XXXX XXXX. XXXX, I received a letter from The Moore Law Group, a professional Corporation who represent XXXX about payment agreement to make a {$25.00} monthly for XXXX payments by XXXX of each month every month. They sent me a contract to sign and Since then I have been paid the due amount on time, each month without even one day late. The XXXX and their representative never on XXXX served me or notified me, that involuntary lien were put on my house. About two days ago I received a letter from Registrar-Recorder/County Clerk, to notify me notice of involuntary lien which was renwed again against my house. What the XXXX and their firm did is a fraud, they never told me that the lien was put on my house in XXXX when they asked me to make monthly payment, they never told me that they will renew the lien.If I am making payments, why withourt my knowledge they have to go to the court and renew the lien.
Consumer complaint received 2015-07-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

In close succession, XXXX ACH debits hit my HSBC checking account. The XXXX ( on XXXX/XXXX/15 ) exceeded the balance of my account and was thus not paid ( reasonably so ). There were sufficient funds for the XXXX transaction ( on XXXX/XXXX/15 ), however, HSBC also did not make payment on this XXXX transaction because they had temporarily removed the funds from my account from the XXXX ( XXXX ) debit resulting in a negative balance even though they did not make payment on that debit. This temporary reduction of my balance not only led to to a legitimate debit going unpaid but also allowed HSBC to charge additional fees in a predatory manner.