davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-09-22
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. (GA)

Based on my investigation, the credit bureaus are misrepresenting the information because XXXX XXXX XXXX XXXX Mortgage 's reported that my mortgage increased by {$10000.00}. There was a forbearance taken which should not have resulted in {$10000.00} being added to my mortgage loan to give the appearance to the credit bureaus that it increased. I was told by XXXX XXXX Mortgage that it would not be reported in this manner to the credit bureaus which was untrue. I was led to believe that there would be no penalties for taking a forbearance. This process of convincing a customer to take out a forbearance and that it will have no impact on the credit score should stop. It is misleading and deceptive to a customer. In addition, XXXX XXXX is reporting the mortgage account one way on their " XXXX XXXX '' dashboard with a different balance than in another section of their website under the mortgage payment section. So there is conflicting payment information on the XXXX XXXX XXXX XXXX website for my mortgage loan. This appears to be a " glitch '' in their system that is unresolved which creates confusion for the customer. Their on-line website reflected conflicting information for my mortgage loan beginning in XX/XX/2021. Prior to XX/XX/2021, it was being reported correctly on their website. Their new enhancements with the " XXXX XXXX '' has created conflicting information in their system for my mortgage loan resulting in the way the balance is reported and shown to others.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Submitted international wire transfer to XXXX on XX/XX/XXXX, bank set deadline no later than XX/XX/XXXX, obviously not received anything by that date. Called bank back and found out, all funds going to XXXX has to go through extra review process by XXXX, which has no timeline whatsoever, so ive decided to cancel transaction, and since then XXXX just holding my money ( routine review process ) even though money not going anywhere, multiple requests to expedite and release funds have been submitted by my bank, and 0 response received whatsoever, XXXX totally unreachable and apparently can keep reviewing my money for years if they want to. Almost 90 days already past of reviewing money which is not going anywhere, absolutely ridiculous and all I'm trying to do is get my money back so i can pay rent and bring food to the table.
Consumer complaint received 2021-09-22
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)

Based on my investigation, the credit bureaus are misrepresenting the information because XXXX XXXX XXXX XXXX Mortgage 's reported that my mortgage increased by {$10000.00}. There was a forbearance taken which should not have resulted in {$10000.00} being added to my mortgage loan to give the appearance to the credit bureaus that it increased. I was told by XXXX XXXX Mortgage that it would not be reported in this manner to the credit bureaus which was untrue. I was led to believe that there would be no penalties for taking a forbearance. This process of convincing a customer to take out a forbearance and that it will have no impact on the credit score should stop. It is misleading and deceptive to a customer. In addition, XXXX XXXX is reporting the mortgage account one way on their " XXXX XXXX '' dashboard with a different balance than in another section of their website under the mortgage payment section. So there is conflicting payment information on the XXXX XXXX XXXX XXXX website for my mortgage loan. This appears to be a " glitch '' in their system that is unresolved which creates confusion for the customer. Their on-line website reflected conflicting information for my mortgage loan beginning in XX/XX/2021. Prior to XX/XX/2021, it was being reported correctly on their website. Their new enhancements with the " XXXX XXXX '' has created conflicting information in their system for my mortgage loan resulting in the way the balance is reported and shown to others.
Consumer complaint received 2022-07-14
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Can not reach this reporting agency to conduct a proper investigation of derogatories put on my report fraudulently! 

Yesterday I was notified by one of my credit monitoring services that a third party had placed on my report fraudulently derogatories! 

This company violated my rights under the Fair Debt Collection Practices Act ( FDCPA- Prohibits collectors from reporting false or embellished information on a consumers credit report ) and Fair Credit Reporting act FCRA ... the did not contact me in reference to the purchase of a bogus debt...

Then used The account that they referred to as the third party ( XXXX  ) which was removed earlier this year when they failed to provided the proof of debt required under protest. 


Said debt was charged off the punched by XXXX XXXX XXXX... with out contacting me and providing said proof of debt... with original signatures as required... if so Please have them provide proof ( mail tracking numbers or registered mail receipts ) .. becuase I have no record of receiving any notice! 

Infact had they reviewed my reports they would have seen that I have a current credit card account with XXXX! 


I tried several times to place a dispute on line with negative results! Please remove said derogatories from my credit report with all three buearus immediately!
Consumer complaint received 2021-09-22
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. (LA)

On XXXX XXXX I mailed notarized disputes to each of the credit bureaus after reviewing my reports and noticing some inaccuracies. It has been 90 days and still no response. In addition I called on today and they claimed to have never received them. I am well aware that by law the bureaus are allotted 30 days to conduct and investigation and respond. It has been triple that amount of time and I feel like that this is a gimmick to prolong and or avoid responding to my disputes. By law these items need to be removed completely! Each of the bureaus have already violated my rights as a consumer. 
I have attached the referenced disputes to this complaint in hopes that this will make this comply with the LAW! I will proceed with litigation if we can not come to a resolution in a reasonable timeframe.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

In putting my personal information in so I can have access to my credit report on XXXX XXXX XXXX From EQUIFAX Credit Report I click Equifax it said ready to get your report? Please enter the last four digits social security number to confirm your request and access your personal credit data. I do all that it ask it still will not let me have access to my credit report .I answer all security questions correct.still no access to my credit report on line. Equifax will mail me out one with no problem just received my report by mail 3-weeks ago. Equifax will let me access MY EQUIFAX.COM that they offer online but refuse to give me online access annual Credit report.
Consumer complaint received 2021-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AXOS FINANCIAL, INC. (TX)

My loan was with Axos Bank. I sold the vehicle to another entity. Almost 2 weeks after the loan was fully paid off, they just deducted another regular month 's payment from my account. The loan was fully satisfied yet they did not cancel the autopay arrangement. 

When I messaged them, all they gave me were directions on how to cancel autopay, which doesn't help after they've already deducted almost {$420.00} from account that I hadn't accounted for. Now I risk NSF fees for other bill obligations.
Consumer complaint received 2021-09-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-04-05
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

my name is XXXX. I succeeded my mother. I am writing to you because SPS is try to schedule a sale. I have a complete short sale application pending with SPS. I would like SPS to cancel the hearing for tomorrow to schedule a sale date. SPS is dual tracking and that is a violation of the law.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IL)

XX/XX/2022 I applied for Care Credit card last XXXX XXXX XXXX was accepted. During that time, they had promotion that if you charged to the card {$1000.00} you will receive a gift card in the amount of {$100.00}. Account needed to be in good standing, which it was and it is still. My registration number was XXXX and it was done on XX/XX/. I charged to the account {$2500.00} I called them over 9 times asking where the gift card is. The representatives always were saying you need to wait longer, or information will come in the mail. One rep said that, they have a third-party provider that handles the gift card, and they will be contacting them. Nothing had come by email or mail. When I called today, I spoke with XXXX, and she told me that nothing had been recorded in my file. They hope that I will forget about this and never question it. Can you please help me?
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2021 I lost my American Express PrePaid debit card. I promptly ordered a replacement later that evening. While doing so, I became aware of 2 unauthorized charges that had taken place while my card was lost : XXXX XXXX XXXX {$2700.00} and XXXX for {$100.00}. I then Filed a dispute with the organization. I received a replacement card shortly afterwards and realized that the replacement card had the same # 's as the lost card. I called customer service and was told the representative that handled the call that evening made an error by marking my card " DAMAGED '' not " LOST ''. I ordered a second replacement card. I then received notification from American Express that my dispute was declined. The statement they used was " no error was found ''. I have since then made several attempts to resolve this issue. To no avail. I'm a XXXX XXXX XXXX XXXX American Veteran and deserve better treatment than this. Will you please help me. Thanks.
Consumer complaint received 2021-09-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sterling & Associates, LLC (TX)

I missed a call from XXXX ( XXXX ) XXXX. I returned the call stating it was a lady named XXXX  XXXX. She stated I owed a payday loan ( continued to state they are illegal ) and that if I didnt pay my name and information would be turned over to the original county. There would be a nationwide search for me and I would be facing 2 felonies -defraud a bank and something about providing false information. She said they could make a payment arrangement over next 3 months but it had to be handled or I could go to jail. She said she had a daughter my age and wanted to help. She kept saying she wasnt a debt collector she worked for a lawyers office. She kept giving me different 1800 # to call and speak to XXXX to pay off the debt. She said I would have to call friends and family to avoid being arrested. They sent me a DocuSign agreement for repayment-I was suspicious bc it didnt state anything about a loan and said it was debt collection and had lawyers address. She only had an old email address I used over 15 years ago when I was young dumb and in college. If this was a debt it would have went on my credit report so I did not return her calls after the first day.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again, XXXX XXXX Balance : {$320.00} XXXX XXXX Date of inquiry : XX/XX/XXXX ;
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (PA)

I have an XXXX XXXX card that is paid via auto debit from my checking account at XXXX XXXX. On my XXXX XXXX Banking I also have my Santander checking account listed from which I USED TO direct payments from before I setup the auto debit. XXXX has a product called Send & Split with XXXX. I have no idea exactly what this product is nor did I sign up for it but it seems to allow someone to send money to others. On XX/XX/XXXX my online account with XXXX was breached and someone initiated 2 payments to XXXX, {$4000.00} from XXXX and {$4300.00} from Santander. These payments would have satisfied the balance outstanding on my XXXX account. They then tried to send {$2000.00} out from XXXX to some third party. XXXX XXXX team managed to flag the {$2000.00} transaction, phoned me on XX/XX/XXXX at which time I confirmed I did not initiate any of these transactions. XXXX cancelled my existing card and issued a new one that will arrive XX/XX/XXXX. When I directed XXXX to return the {$4000.00} and {$4300.00} to my checking accounts they advised me there's nothing they can do until I receive my new card! But I need the money returned to my checking accounts NOW. My Santander account balance was approximately {$3300.00} so I am now in an overdraft position. When I phoned Santander on XX/XX/XXXX to advise of the fraudulent transaction and ask that it be returned they simply said they can not. What??? I work in banking ... .Yes, the XXXX can simply be returned to the originator! I said to Santander, " if for no other reason, the XXXX should be returned for Non-sufficient funds ''. They stated they don't return anything for NSF. They pay all the items. What?? I've never overdrawn an account nor should I expect a debit to my checking account be honored when I don't have sufficient funds. Santander simply said I can make a " Claim '' and they will investigate. Once their investigation is complete they will then determine whether to credit the money back to my checking account. This investigation can take 45-60 days!! So here I sit, with a negative balance in my Santander checking account that continues to get assessed overdraft charges! My original balance no longer available to me to use for my other bills or to grab cash from the ATM. 
Santander should have immediately returned the unauthorized XXXX debit. Santander should immediately make me whole.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY (NY)

I made two payments of {$8400.00} from my XXXX XXXX business checking account ending with XXXX respectively on XX/XX/XXXX, and XX/XX/XXXX. 
1. The {$8400.00} payment on XX/XX/XXXX failed and the money was returned to my XXXX XXXX checking account. 
2. The {$8400.00} payment on XX/XX/XXXX was successful, XXXX XXXX payment confirmation ( attached here ) shows that the money was successfully paid to American Express. However, American Express did not credit this payment to my American Express credit card, the payment activities ( as of XX/XX/XXXX ) in the online Payment Center of American Express ( attached here ) show that this payment failed and was returned. 
3. Based on the wrong records of American Express online Payment Center showing that the {$8400.00} payment on XX/XX/XXXX failed, American Express marked my credit card account as past due, repeatedly hired different collection agencies to harass me ( which had caused severe emotional damages to me ), and added delinquency record to my credit profile. 
4. On XX/XX/XXXX, American Express sent me fraud monthly statements showing that they did credit the {$8400.00} payment on XX/XX/XXXX to my credit card, which conflicted with the payment activities I got from American Express online Payment Center on XX/XX/XXXX. Also, American Express did not affirm whether they sent me the monthly statements in the year XXXX, and did not affirm whether the monthly statements they provided on XX/XX/XXXX were exactly the same they provided to me in the year XXXX ( if they did ). 
Therefore, I hope the CFPB to penalize American Express for providing fraudulent monthly statements, wrongly missing my payment, harassing me through collection agencies, and wrongly adding delinquency record to my credit profile.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX BETWEEN XXXX AND XXXX, Inquires Has Violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not Furnish a account without my written signature or instructions. I believe this is a fraudulent action that has been made. There has not been any investigation to tied these accounts to me. I have no accounts related to these to hold them under my name or credit report.