davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance : {$12000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}
Consumer complaint received 2020-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Good Morning! - How are you during Covid-19? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before (  PORTFOLIO XXXX balance for {$420.00}? ). I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

My account was paid in full. American Express showing charge off, which is incorrect. High Balance also incorrect. This was a company card and I am not responsible for the debt. 

I did not personally guarantee this company credit card. I am formally requesting under Section 609 of the Fair Credit Reporting Act, that American Express provide me the original contract with written authorization/signature authorizing this account. 
If American Express is unable to verify this account with the original contract and signature, this account should be removed from my credit report within 30 days.
Consumer complaint received 2020-06-20
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: Experian Information Solutions Inc. (UT)

While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.
Consumer complaint received 2024-02-13
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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
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: Experian Information Solutions Inc. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance : {$12000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OK)

I made a deposit into my checking account on XX/XX/2023. I am a XXXX  and the check was issued by XXXX XXXX- a local title company in XXXX Oklahoma. 

It is very common and typical that I receive my paycheck directly from the title company. Chase told me there would be a hold on the funds until Tuesday XX/XX/2023. I accepted this and thought nothing more about it. 

Today, XX/XX/XXXX, I find out that Chase has placed a fraud hold on my account and that I have zero access to any funds in my checking account. They said that they did this because they can not confirm that the telephone number on the check is associated with the business name on the check who wrote the check. 

The funds have cleared and money released to Chase Bank Chase is holding the money hostage, indefinitely, waiting to confirm a telephone number. I have provided the business phone number. It is easily obtained by XXXX the Title company or by going to the company website or by looking at the face of the check. 

They tell me that I will not have access to these funds and that they will not give me back the check that I deposited. 

There is no remedy for me to have access to my paycheck. 

Chase bank has allowed deposits of other checks from this very same title company and readily granted access to those funds. 

XXXX XXXX has offered a copy of their phone bill - a copy of their business license and any other verification that Chases needs - but Chase has declined
Consumer complaint received 2022-02-04
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. (CA)

The XXXX and Experian credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

ON XXXX/XXXX/16 I WAS MADE AWARE THAT I HAD A JUDGMENT FROM CAPITAL ONE BANK ON MY CREDIT FOR {$6900.00}. I HAVE NEVER OWNED A CREDIT CARD FROM THEM UNTILL XXXX/XXXX/16 WITH A CREDIT LINE OF {$300.00}. I FILLED A POLICE REPORT FOR IDENTITY THEFT AND FRAUD. I ALSO PLACED A DISPUTE WITH XXXX OVER A MONTH AGO. I HAVE CONTACTED CAPITAL ONE MUTIPLE TIME TO GET HELP AND ANSWERS. CAPITAL ONE REFUSES TO HELP.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX, I deposited my payroll check into the ATM machine at Chase bank in XXXX XXXX. The machine took my check and failed to credit my account. I immediately called the chase customer service line as the deposit was made after bank hours. They representative said they would investigate the deposit. I received a conditional credit and a month after the credit was reversed.

I contacted Chase again this tune with both the claims supervisor and physical branch location rep on the phone. Neither would help. I was told that the machine is not managed by the bank but a third party and they could not physically check the machine. The claims XXXX stated they could not get a scan of the check so have no way of seeing the check image. I asked for camera to be pulled of which was told by the banker the cameras have limited visibility. The supervisor asked me to upload my check image onto Chases portal and they would reopen the case. I told them I could get my check stub of which I was told to do so. I uploaded the proof on the website and another week later called for follow-up. They said my proof wasnt enough and I should get the check reissued. Meanwhile, The bank has literally held my money for XXXX months. This reversal has caused overdrafts in my account. I requested they freeze the account while investigating so I would not incur further injury to my account and was told they couldnt do it. 

I have suffered severely as I live paycheck to paycheck and their dismissiveness about my check being held captive by their machine error has caused undue financial hardship. To date, XX/XX/XXXX I still do not have my money and my account is over drafted. The bank refuses to help or take responsibility for not servicing their machines properly or for crediting me back my payroll check. They put the burden on me to prove my deposit of which I complied and they refuse to remedy the problem even after providing them with what was asked of me. They are holding my money and I am powerless to get it back. Ive asked the company ( that I no longer work for ) to reissue but have yet to get assistance from them as well as they use a third party company ( XXXX ) to cut checks. I am told they can not tel me when I might receive another check. Therefore, I am highly upset that Chase could not resolve the error and mishandling of my money. My life has been completely inconvenienced and negatively affected by this bank error.
Consumer complaint received 2023-04-18
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: WELLS FARGO & COMPANY (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
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)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus 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 Balance : {$7600.00}
Consumer complaint received 2017-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AL)

Wired funds {$3000.00} to Coinbase, inc on XXXX XXXX 2017, still no funds deposited in my account on a same day transfer. I have called the listed number but it is either busy or no answer. I have sent emails to contact/support but still no answer. The money has been debited my account from the wiring bank.
Consumer complaint received 2023-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MI)

My loan was purchased by PNC Bank, and since purchasing I have had nothing but issues. The first payment was missapplied, I had to call 5 times to get this resolved. I had more issues with funds being missapplied. I have paid using the same bank account and information since XXXX but for some reason the XXXX  payment was lost. They are charging me a late fee, but the funds were deducted from my bank on the XXXX, the payment was made on the XXXX. I received a phone call today, the XXXX letting me know the funds were never received. I asked to file a formal complaint, since we have had so many issues. Issue is still not resolved. I have sat on hold for hours trying to resolve. PNC is XXXX of the worst service providers I have had for my mortgage. I never had an issue with XXXX mortgage, but since they sold my loan it has been nothing but issues. It feels like they are continuously trying to make my mortgage default. I have never missed a payment and have a XXXX XXXX XXXX XXXX. Worst mortgage servicer ever.
Consumer complaint received 2023-04-17
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. (DC)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX 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 a consumer reporting agency can not furnish a 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.

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Consumer complaint received 2023-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NC)

Every month for the last couple of years, since XXXX, I am charged fees that are not explained to me. I am not able to pay these fees online as the online site or application does not offer the capability to choose to pay separately. I can not pay using the regular payment method as i have called previously to inquire, and was told if i pay any extra money online, it would go towards the interest only and not to fees. Since there is no available to option to pay these, I am not sure how Ally is permitted to charge the fees. 

Also, i contacted them on XX/XX/XXXX to inquire on privately selling vehicle while having a lien, and i was told they could not help me due to system maintenance and i would need to call back another time.
Consumer complaint received 2022-02-04
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX This account has many violations and inaccurate information. The dates reported on all bureaus are different. The dates of last activity for all 3 bureaus are different. The last payment for all bbureaus are different. This account is violating my consumer rights and must be deleted immediately.

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I updated my email through the Kohls website and they were not sending me my statements. It appears they have charged my account over XXXX dollars in late fees, and did not notify me they had not been receiving my payments on time. I had no way to determine they were not receiving them onetime since the statements did not come to me. and the payments are automatically withdrawn from my checking account each month. I asked if they would assist me and they said NO. I want some assistance in having these fees removed/reversed.
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. (MO)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus 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* Balance : {$7600.00}
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My transition credit has credit freeze but transition still lets fraud on my account. 
1. " XXXX XXXX '' some how took my information even with credit freeze.

Either company or fraudulent use put HARD INQUIREY on my file.
Consumer complaint received 2015-04-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (IL)

I currently have XXXX accounts with my local regions bank. The checking account was not overdrawn and the local branch closed my account without notice on XXXX XXXX, 2015. A direct deposit was made to the account on XXXX XXXX, 2015. The account had a positive balance of {$750.00} dollars. When attempting to use or transfer monies between accounts I was notified that the account was closed and that I could n't have access to my funds. 
I spoke to both a customer rep on the phone and the branch and still no resolution.