davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair Credit Reporting act US DEPT ED Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

I was scammed by cash app on XX/XX/2023. I had {$370.00} that I wanted to cash out and send to my checking account but there was a fee involved over {$6.00} so I called the number listed on the app site-XXXX to see if fee could be waived since I waited the 2 day period to be able to use the instant payment option that didnt include a fee. I spoke with a person who identified himself as a cash app service representative who assured me that I shouldnt have to pay a fee if only I updated my cash app account which was lacking my email address. I updated my email address and then was led through a series of motions including sending money to XXXX of my contacts. The person didnt say they were dollar amounts but numbers to verify my checking account so my money could be sent directly to my checking account. I did this 3 times with different amounts totaling {$500.00}. I only had {$300.00} in my checking account at the time so once these amounts were cleared and returned to me I was then instructed to open an app Called - XXXX XXXX  and the representative instructed me to send the money to another pserson who I didnt know and I voiced my concern telling him I didnt want to do this and I was told it was ok so I did it then noticed that my balance on my cash app was now $ XXXX contacted cash app support at a different number from XXXX not number on XXXX because it no longer worked, and an investigation was done but determined that since I authorized the transaction no error was found and my case was closed. My money wasnt refunded and the amount in my checking account was also taken leaving me with no Money but a - {$190.00} balance. I feel cash app is allowing these scammers to rob their customers because the number I initially called came from their app! Once the transaction was completed the call was cut off and when I tried to call back it came to a XXXX number and my fee phone carrier came up. I am on XXXX and could not afford this.
Consumer complaint received 2022-04-24
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. (VA)

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 : XXXX. The inquiry was not authorized XXXX XXXX XXXX  FIN Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  FIN Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2022-04-01
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. (DC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-05-26
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. (OK)

I have asked several times for the fraud alert to be removed from my XXXX, Transunion, and XXXX credit reports. These companies placed fraud alerts and personal statementsnon my credit reports with out my permission. I NEVER ASKED THESE COMPANIES TO PLACE FRAUD ALERTS ON My CREDIT REPORTS. Please remove ALL FRAUD ALERTS from XXXX, XXXX and TRANSUNION. I also need to make sure my address is current. The only address and contact infomration that should be on my credit report are below. I have 2 phone numbers. REMOVE ALL PERSONAL STATEMENTS FROM MY XXXX, XXXX and TRANSUNION reports. THE ONLY ADDRESS AND PHONE NUMBERS I HAVE ARE BELOW. I have asked so many times over and over and over for this to be updated. Its getting really fustrating. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

I am writing in reference to my credit card and the three late payments from XXXX, XXXX and XXXX of XXXX that are on my credit report. Also, the reduction of my credit limit causing my excellent credit score to plummet. I opened this account in XXXX, and I really loved Chase prior to this inhumane dealing. It was my first credit card and has been my only to this day. For my first credit card, I have always done very well with it. It helped me to build a XXXX credit score prior to the end of last year. Last year I fell into a XXXX due to the pandemic and financial hardships from this plague. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was a tough time, and my first time being XXXX. I am asking that you please remove these three late payments as a goodwill adjustment due to my proven responsibility with my card prior to the late payments due to the pandemic, and due to me currently being in good standing. I also request for my {$4000.00} credit limit to be restored back to my card. I have tried speaking with J P Morgan Chase Bank several times, around 8 times, and they have not been able to assist me. They have just said that they can remove late fees. I dont care about that, I care about my credit score that has been ruined due to this, and Chase having no assistance to me, but just lowered my credit limit to make things worse for me. 

I just found out that there was a 6-month deferred payment program during the pandemic that was never offered to me, and I was told that I wasn't eligible for it a few days ago. I am saddened and dont understand how someone who has been a loyal customer for years that has been in good standing the entire time wasnt eligible for assistance. A program where you helped customers for 6 months, and I only needed 3.

I am better now, and I have noticed that it is going to take a long time to get back to the XXXX credit score that I had prior to these late payments and credit limit reduction. As of earlier this week, I was hit with a {$350.00} increase in rent, and I now need to move out. I cant get approved at a new place with the credit score that I currently have. I have never been in this place in my life where I am afraid if I will have a place to live just because I cant get approved due to credit. I have always had good credit since opening this account. I ask that you take my history as being a loyal Chase customer that has always been in good standing prior to this pandemic into consideration, and provide me with assistance. I am back on track with my payments, and ask that you please help me.
Consumer complaint received 2022-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

We have not yet missed a mortgage loan payment, but are concerned we may due to this aggregious error made by Loan Depot 's loan servicing department. 

The following is a letter sent to Loan Depot, with my personal information redacted. 
We obtained a home purchase loan from Loan Depot on XX/XX/XXXX, loan number XXXX. This loan has subsequently been sold to XXXX. 

I am reaching out to discuss a significant error made by Loan Depot when calculating the escrow portion of my home loan payment. Upon receipt of the supplemental tax bill in XXXX of XXXX, I forwarded it to Loan Depot for processing ( via email attachment. ) After Loan Depot processed this payment, I was notified that my home loan payment would GO DOWN from {$2200.00} to {$2000.00} following an escrow analysis. I immediately questioned the accuracy of this calculation in writing, and was reassured ( in writing ) the calculations made by the professionals at Loan Depot were accurate ( see email chain below. ) As I am not a mortgage loan processing professional, it was reasonable for me to assume their calculations were correct. In fact, my monthly loan payment should have increased slightly. When performing the escrow analysis, Loan Depot used the pre-purchase home value ( {$160000.00} ), rather than the current value of the home ( {$410000.00} ). This should have been especially apparent, as the document that started the entire conversation was a supplemental tax bill due to the increase in home value. 

My loan has since been sold to/or the servicing has been transferred to XXXX. Upon receipt of my loan file, XXXX noted a deficit in my escrow account of {$3700.00}. I was completely unaware of this deficit due to the errors made by Loan Depot. As a consequence, my home loan payment will increase {$550.00} for the next year to make up for that error. Loan Depots error has caused my family significant consumer financial harm. It is a severe financial setback to my family to pay the increased loan payment that begins on XX/XX/XXXX. In fact, this error may cause us to lose our home. 

Due to the number of errors made by Loan Depot, even after their accuracy was questioned, I demand that Loan Depot pay the shortfall of {$3700.00} in my home loan escrow account. 

Since this has happened to me, I am very afraid such errors may be happening to other home purchase loan borrowers whose home loans are being made and serviced by Loan Depot.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (NY)

Navy Federal send me a letter that I submit to them about my atm for provisional credit on my account of the ATM did not disports to me and then they said the merchant at the ATM stated that it was an error they said I got the money and it was not true and I want all my money because the merchant is lying and I submit my medical from my doctor that I explain that I stressed navy federal was giving me problem the doctor stated that if I continue this stress I could have a XXXX or a XXXX XXXX
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX and Equifax both have my mortgage with XXXX XXXX XXXX as being delinquent. 

I filed a complaint against XXXX XXXX XXXX back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My XXXX loan was closed. 

To my surprise, I checked my credit score and XXXX, Equifax and maybe XXXX now have my account as delinquent. 

I called XXXX and they confirmed I was never delinquent or late.
Consumer complaint received 2022-09-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting this because the 3 credit reporting agencies did not respond to my dispute letter sent to them on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Consumer complaint received 2022-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (TX)

hello, my name is XXXX XXXX XXXX and I want to inform you that this credit acceptance company I told you since the start of XXXX that I lost my job and that I could not make my payments, so after reaching an agreement, they never fulfilled that payment agreement, why? my account continued to have high interest and not being able to comply because of a relative my grandmother suffered from XXXX I had to travel to XXXX XXXX I had to stay there she did not ask to make the payments I came back and contacted them and explained what happened of everything they did not help me so I reached an agreement to pay XXXX but they did not want to close and eliminate that account from my credit report and make the agreement that we reached they continue to charge me and charge me every month charging interest that they are not supposed to do edi If I continue to charge my credit, I want them to eliminate that from my credit. Carrying out the agreement is making illegal charges like XXXX all the months are not helping me at all. and they investigate them, erase all that, I charge a skirt to the account, that they close it and rlimfn that account of my report, they never helped me with the situation of rl covid, my economic situation now because of my credit is affected
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I originally opened an XXXX XXXX ending XXXX in 2022 which had a {$1000.00} initial credit line. In 2023 I learned XXXX bought XXXX and to prepare for the acquisition, they began updating the card numbers, which caused the original account to change to XXXX XXXX. My card stayed under XXXX XXXX until XX/XX/XXXX2023 at which time XXXX replaced the card with their own, however the account number ending XXXX remained and has remained the same. XXXX stopped being reflected on my statements in XXXX  2023, in XXXX  2023 XXXX  branding took over. However, in XXXX  2023, I decided to open A NEW CARD directly with XXXX  to help build the relationship. I was approved and issued XXXX XXXX ending XXXX which started and has remained with {$800.00} limit. That card is reporting and has reported since its opening. My issue is that my credit report HAS NO RECORD of the XXXX XXXX account XXXX you start from 2022 OR after the merger in 2023. Thats XXXX whole years of credit activity that is missing COMPLETELY. I just pulled my CR on XXXX and there isnt even a closed account under these details from XXXX or XXXX. I am trying to repair my credit and this has actually lowered it significantly. I demand that XXXX immediately update their records with ALL XXXX Bureaus with the correct and accurate info for XXXX XXXX XXXX starting from XXXX and going thru current date and onward. I have tried getting them to do this directly but they made me send a request and my CR but can not tell me when or how they are going to fix it. I called them on XXXX and XXXX and XXXX but they are unable to provide any information other than and I quote - WE REPORT TO ALL BUREAUS AND YOUR INFORMATION IS REPORTED AFTER EACH STATEMENT IS RELEASED, WITH THE NEXT ONE DUE XXXX. That can not be correct because I have XXXX years of statements online I can pull and NOT one has shown up on my CR at any time. I have also hired a credit repair company that has sent validation to the bureaus and XXXX  has failed to update ANY information as legally required under FCRA.
Consumer complaint received 2023-08-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I received mortgage statement, for payment due XX/XX/, and it contains an assessment of {$22.00} indicating I paid a short payment for the XX/XX/XXXX  payment. 
I NEVER received a statement indicating a payment due amount of XXXX. The only statement received, and paid on XX/XX/, was for {$1900.00} and this amount agreed with an earlier letter from Select Portfolio Servicing , Inc. ( SPS ) stating that the payment due for XX/XX/XXXX  would be {$1900.00}. 
It can not possibly be legal or proper for ( SPS ) to retroactively increase the amount due for XX/XX/XXXX   after payment has already been made.
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (TN)

I just started receiving 2 to 3 calls a day from XXXX about a debt I supposedly owe from a pay day loan. The only information he gave me, after I verified my identity, was the name of the lender and the amount I took out - Check 'N Go. I asked if they could send me some documentation so I can verify the debt and the man refused - it seems like he was intentionally being vague and confusing and only said that he had to mark me as refusing to pay, and that I could contact the pay day loan lender myself. 
I called Check N Go and they have no record of my name or social # in their system, plus their offices in my state of TN are all closed so I don't know that the debt would even be valid. They advised me to just call the debt collector back. 
I called XXXX back and told the same man that and again asked if he could send me any information on the debt and he refused- he said 'they were reaching the statue of limitations and would take legal action ' and he had to mark me as refusing to pay. 
I told him I wasn't refusing, but I needed SOME, any piece of information to validate the debt. He did not even give me an account number. He spoke very harshly and fast and hung up on me after saying again that they would pursue legal action. 
The first phone call I received from them was in the month of XX/XX/2023 - today is XX/XX/XXXX. He said they mailed me documentation which is not true ; I have received NO paperwork on this. My phone number hasn't changed in 15 years and my address has not changed in 3 years. 
I am terrified to call them back and end up speaking with the same person because he will not give me any information.