davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To whom it may concern, I would like to state that XXXX is in violation of 15 USC 1681 ( a ) ( 4 ), which states that in relation to accuracy and fairness of credit reporting The congress makes the following findings : ( 4 ) There is a need to ensure that consumers reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX is going out and fishing for negative information about me, it an infringement upon a consumers right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). XXXX is also in violation of 15 USC 1681b ( a ) ( 2 ) which states ( A ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX did not have a permissible purpose, nor did they have my written instruction to report a bankruptcy on my behalf the consumer XXXX XXXX XXXX XXXX. XXXX, without my written consent furnished negative information about a XXXX  XXXX Bankruptcy XXXX # XXXX to TRANSUNION. I never gave TRANSUNION or XXXX any written consent to report anything on my consumer report.
Consumer complaint received 2023-03-17
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX .... Balance : {$12000.00} XXXX XXXX XXXXXXXX XXXX. Balance : {$220.00} CXXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX Balance : {$220.00}
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. XXXX XXXX partial account numbers XXXX ; XXXX ; and XXXX. Experian and XXXX  are not investigating these negative accounts that are reporting. They show the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. XXXX  XXXX  partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) All of the above referenced items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

To whomever it may concern, I have XXXX American Express cards, both of which have been affected by problematic junk fee charges based on situations related to banking administrative errors, rather than lack of funds for payments. Complaint ID : XXXX was filed for a similar situation with my other AMEX card XXXX The excessive junk fees charged to my AMEX cards for an account that is : ( XXXX ) in good standing and never missed a payment/had late payment. ( XXXX ) only had payments returned because of negligence on the part of XXXX XXXX. I had several issues with my XXXX debit account this year, which led me to sending a message to XXXX inquiring about potentially closing the account. They responded saying they were closing the account once it hit XXXX balance. In fact, the messaging from XXXX XXXX  said : " The account will close when there are no pending transactions and there is a XXXX balance. If your account has a positive balance, we'll mail you a check for the remaining funds XXXX business days after the account is closed unless you transfer those funds to another account. '' Because this account is a secondary account in which I do not keep much money, I decided to just spend the remaining money on payments towards my credit cards and transfer the remaining money to XXXX of my XXXX XXXX accounts. XXXX XXXX  then proceeded to deny my transfers to XXXX XXXX in addition to denying my credit card payments, despite there being more than enough money in the account to cover the costs. Although American Express is not liability for XXXX Bank 's administrative errors, AMEX is liable for continuously charging inordinate fees for issues that are well beyond consumer control. They did something similar to me last year when XXXX XXXX had to change my account number due to fraud. Not only does AMEX charge a fee for such an error, they charge XXXX FEES for a single payment, amounting to XXXX {$29.00} charges ( {$87.00} ). This is essentially an {$87.00} charge per mistake of another banking institution. This is clearly predatory behavior, and likely illegal under consumer protection laws. I am currently in XXXX, but before I left the country, I called AMEX on XXXX separate occasions, wasting over an hour of my time on hold for them to say they will " escalate my concern, '' only to do absolutely nothing to address the inordinate fees charged to an account of a responsible customer that has never had a late payment on the card.
Consumer complaint received 2023-02-06
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. (AZ)

The company is XXXX credit Card. I have a credit card showing on my bureau that is not only not mine but one I've not received or applied for and it just appeared with a balance of {$930.00} all past due. When I told them they said it would be verified and removed of which they won't do. They say they will correct this and just never reply. Ive attempted to dispute 2 times by calling them and also XXXX dispute online with Equifax.. All they do is update the date and never provide me or the bureau how or why the appears. By just updating a date it seems the bureau thinks its fixed. they are playing games with my credit report. Please help. XXXX XXXX
Consumer complaint received 2022-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc. (IL)

This company listed themselves on my credit report. I have not spoken nor received any communications from this company. 




XXXX XXXX XXXX Original creditor : MERCHANTS Balance details 0 % paid off Balance {$13000.00} Balance updated XX/XX/2022 Original balance {$10000.00} Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 Payment summary 2022 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX PAYMENT HISTORY LEGEND Comments Account information disputed by consumer Your statement - Contact info Name JXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-06-15
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. (TX)

This is my final dispute letter that I am sending before I take legal action against all XXXX credit reporting agencies. Attached is the letter along with the erroneous information being reported. If it is returned as verified I will be filing a lawsuit
Consumer complaint received 2023-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

During the Covid 19 pandemic, I paid my student loans, thinking that I was doing the right thing and mature thing in order to pay them down. I later learned about the public service loan forgiveness program, and the waiver that they had, and in order to get my counts to where I needed it to be I needed to consolidate my loan, so I went ahead and consolidated my loan as I was told to do. In the process I was at no time informed that after consolidating, I would not be able to get my COVID-19 payments back. On the website it specifically states that if you pay during COVID-19 you can request the money back it does not say anywhere that you can not get the payments once consolidated unless you look specifically under the Biden plan which has nothing to do with what I am discussing. There is also nothing under the consolidation portion, indicating that if you consolidate, you are not going to be able to get the COVID-19 payments back. At no point during the process did anyone tell me or warn me that this was going to occur. I am now losing out on thousands of dollars that I paid that I should be able to get back all because I consolidated my loan. Had I not consolidated I wouldve been able to get the money back. There is no difference in the consolidation or non-consolidation as far as me getting the money.
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and as a result must continue to remedy its effects. I have several fraudulent accounts reporting within my credit file, along with addresses I have never resided and fraudulent inquiries. I have reached out to the credit reporting agencies and they have kept the fraudulent accounts/inquiries/addresses from my credit report. The fraudulent addresses that are reporting that I never lived at are XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX and XXXX XXXX XXXX XXXX XXXX, XXXX, GA. The fraudulent accounts are XXXX XXXX {$14000.00}, XXXX XXXX {$1100.00}, XXXXXXXX XXXX {$440.00}, XXXX XXXX {$1300.00}, XXXX account XXXX, XXXX XXXXXXXX, XXXX XXXX {$4400.00}, XXXX XXXX {$240.00} and XXXX XXXX {$330.00}. Fraudulent Inquiries : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (OR)

CashAPP, I tried to purchase a XXXX Tree, I sent proof that I tried to contact the provider, and I never received it. I was scammed out of {$80.00} then Cash APP tried to prevent me from accessing my account I fixed it and I have screen shots and emails to prove all of this, and I used their chat
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: Experian Information Solutions 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 2022-12-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: California Business Bureau, Inc. (CA)

Not only is the debt collector calling me 2-3 times a day but they also called my BOYFRIEND trying to collect this debt and called him my spouse he gave them no information. They also have not mailed me anything that shows my debt or the explanation. They have called my boyfriend multiple times at his number of XXXX. They also call me every single day multiple times a day.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (NC)

I signed up for the Gemini crypto currency exchange ( www.gemini.com ) on XX/XX/XXXX. I submitted documents to verify my identity that day, along with a {$500.00} transfer from my bank a few days later. To date ( XX/XX/XXXX ), Gemini has not finished verifying my identity and I am therefore unable to withdraw my money. I have REPEATEDLY tried to contact their support organization, with absolutely no response. These are the dates on which I contacted support : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Their excuse has been unprecedented volume, but some people are verified in minutes and others, like me, have waited weeks with no communication.
Consumer complaint received 2022-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Beginning XX/XX/2022 I began to make half my mortgage payments every 2 weeks on my pay day. The amount was {$940.00} every two weeks. Then in XXXX I received notices that my mortgage was overdue. I call and find out that my payments were not allocated to my mortgage and were placed in principal only. I called XX/XX/XXXX and complained and was told that they would reallocate the payments to my XXXX and XXXX mortgages. A couple weeks later I receive an alert from XXXX that NewRez reported my mortgage payment as 30days late!. I call NewRez and was told that I was up to date and they don't know what happened but that I should email a request for my that delinquent report to be removed. Then I see on my payment history that my XXXX payment was not paid even though I called on XX/XX/XXXX and allowed {$940.00} to be reallocated from Unapplied Payment to my XXXX mortgage and then authorized an additional {$940.00} so that I would be paid for my XXXX mortgage, conf # XXXX. Then I look again on XX/XX/XXXX and find that the associate on XX/XX/XXXX had put through for {$1800.00}! Not {$40.00} like I asked. So payment did not go through and NO ONE emailed or called me to alert me. I again requested {$940.00} to be put into my XXXX mortgage so I would be up to date confirmation # XXXX. 
I was trying to be a responsible client and make my mortgage payments early and this company ends up reporting me to the credit bureaus and tanking my good credit! I keep asking them to reverse their reporting. I've requested through the phone AND email and I ve received no adequate response. Ii am a responsible homeowner and I should NOT be treated this way. Theu customer service is terrible!
Consumer complaint received 2022-09-17
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. (TN)

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. USDOEXXXX Account no : XXXXXXXX XXXX XXXX XXXX  account no : XXXX, DP OF EDUC account XXXX : XXXX, US DEPT ED account no XXXX, XXXX XXXX account no : XXXX,
Consumer complaint received 2023-03-17
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX : {$220.00}
Consumer complaint received 2023-04-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GLOBAL CREDIT UNION (AK)

This complaint is regarding Global Credit Union. I had an Auto loan with XXXX XXXX XXXX XXXX XXXX XXXX. I sold this XXXX XX/XX/2023, to a customer of Global Credit Union. The customer took a loan with Global Credit Union, and there were XXXX checks cut that day. XXXX to me, for the amount above the balance on my loan with XXXX XXXX, and another to XXXX XXXX for the amount still owed on the vehicle. Global Credit Union employees XXXX XXXX and XXXX at the XXXX XXXX, declined to give me the check, and mailed it off directly. This is where they made the error, of not putting a tracking number on a check worth more than {$12000.00}. This check was lost, and Global Credit Union has botched this entire transaction, the communications regarding it, and every policy related to it. I still have not received, nor has my bank received the $ XXXX payment for the vehicle that has been sold and now owned by XXXX XXXX XXXX the customer of Global Credit Union . I have spent over 24 hours trying to resolve this, sacrificed an entire day of sleep ( I am nocturnal, in the XXXX  ), and have gotten nowhere. Both financial institutions have been charging interest and receiving payments on the same vehicle for over a month. This must be a crime. I am exhausted from telling this story over XXXX times and writing it out several times. I have attached my two emails to Global Credit Union in a XXXX XXXX. 

They still have my {$12000.00} and won't release it to myself or my institution. They are legally obligated to do so. Global Credit Union and their representatives XXXX XXXX, XXXX XXXX and XXXX- all at the XXXX XXXX of Global Credit Union should all not be allowed to conduct business in the financial sphere ever again.
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/2023 I opened an online CD with Synchrony Bank in the amount of {$250000.00}. 
Account # XXXX. Conformation # XXXX. On XX/XX/2023 the money was withdrawn from my XXXX  XXXX XXXX  Account, # XXXX. From that point I've contacted Synchrony many times to inquire why the CD did not show the {$250000.00}.

I was told the account was not opened because the money was coming from business account and not a personnel account. Finally on XX/XX/2023 they told me that the account was cancelled and the money was being sent back to XXXX  XXXX XXXX  To the external account that it came from. I talked to many different representatives from Synchrony from that time and no one could give a straight answer on when it would be returned. They kept giving me dates that it would be returned and it never was. I went to XXXX XXXX XXXX to get help and to date we have no answers. They gave us a trace # XXXX, we came to find out that the trace # was from XXXX XXXX XXXX withdraw, not the return from Synchrony. Please Help
Consumer complaint received 2023-04-05
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. (TX)

My name is XXXX XXXX. In the month of XX/XX/2023 I noticed information on my credit report that does not belong to me. The accounts and and Inquiries included in this report if Fraud. They are not mine.
Consumer complaint received 2021-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing ( SLS ) reported my wife and I to the triple credit bureau in error and they refuse to retract the 60 days past due delinquent. This hurted us severely, particularly, it is coinciding with a refinance in progress. SLS, in compliance with the CAREs Act, granted us for forbearance in XXXX, XXXX and XXXX of 2020. They guaranteed no negative reporting or foreclosure. In XXXX of 2020, payment was resumed plus an additional ~ {$900.00} to offset the missing interest during the forbearance period. this additional {$900.00} was applied from XXXX until XXXX of 2020. All payment were made as suggested by an SLS agent. However, SLS, the 1st time, reported us to the credit bureau as a 60 days past due delinquent. We called SLS at least 15 times, we filed a complaint with XXXX, and disputed this with the triple credit bureau. On or about XXXX of 2020, the negative reporting was cleared. This week, we noticed that SLS repeated the same negative reporting with same issue : a 60 days past due delinquent. We have already disputed this with the credit bureau the ( 2nd time ). SLS refused to retract the negative reporting and the customer service agent had apathy to our situation and was very rude and emotionless.

I have all the emails confirmation of all the payments made sent from SLS since XX/XX/ 2020, until the present time. Please help us with this ordeal and if you need any proof of payments, we will be more than happy to send them to you. Thank you kindly