davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I signed on with Transunion credit monitoring service months ago back in 2020. I signed up for a month-to-month subscription. After one month of using their service and paying the fee that they charge for this service, I have tried numerous times to end it. I have made phone calls, sent emails, and spoke via text chat with their support personnel. They billed me a few times because they would send the bill thru to my checking account over and over and over again until eventually, I had to disable my debit card, 2 times now, just to stop them from billing me. There is no way for me to end this subscription on their website even tho there is a law in place for California residents to be able to quickly end a subscription. Now when I log in, I am greeted with the same billing page asking me to enter a new credit card. If I click away from it to see my account profile, everything is blank. I can not file a dispute, I can not even see what is on my credit report. A few months back it was extremely important that I get a credit report. so I paid the fee for the credit monitoring service and like magic, I could access my credit profile on TransUnion. When I stopped paying the service initially, I was immediately hit with a 60+ reduction on my credit score. and still to this day they have reduced my credit score repeatedly for erroneous items such as - too many new credit accounts ( I have 3 ). Or when I pay off a loan I got just to build my credit, they reduced my credit score by 12points saying my available credit was reduced. They have also fraudulently reported increases in my student loans thereby reducing my XXXXredit score again. I have an open complaint with you folks on that already.
Consumer complaint received 2022-07-13
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that 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/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX : {$580.00} XXXX  XXXX : {$460.00} XXXX XXXX : {$710.00}
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (WI)

My husband and I refinanced our mortgage in XX/XX/XXXX with XXXX Mortgage. At that time we signed the closing documents with a notary. The closing documents stated that our property taxes would be paid quarterly. In XX/XX/XXXX, I received a bill from the state showing our tax bill. It showed two options, annual or quarterly installments. No benefit was present for paying annually. The mortgage company then paid our taxes in a one lump annual payment in XX/XX/XXXX. In XX/XX/XXXX an escrow analysis was completed and we were short several thousand dollars, due to the payments not matching what is being put into the escrow account based on quarterly payments. Now XXXX wants us to pay {$720.00} extra each month to rectify their mistake. I have called many times, sent the closing document paper and the tax bill twice. Every time I call I am unable to speak to any one in the tax department or the escrow account department. How can XXXX change what was agreed upon in our legal binding document we signed at closing?
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/20 my computer was compromised along with my checking account information at Wells Fargo and a cash withdrawal was made on my Wells Fargo checking using XXXX for {$490.00} by a XXXX XXXX ( XXXX ). I reported it with claim no. XXXX. New account numbers were created for checking and savings. Number one I have never used XXXX before, two I do not know this person, and three I did not do this or authorize it. 

On XX/XX/20 Wells Fargo withdrawal slips were filled out with both new account numbers hand written in and signed XXXX XXXX and took {$2400.00} cash. I have never signed any document as XXXX XXXX. So back to bank with claim numbers on attached sheets. New accounts were again assigned for checking and savings. Wells Fargo has since returned the {$2400.00} to my accounts for this was obviously inside fraud. 

On XX/XX/20 I received a letter from, Wells Fargo that denied my claim on the {$490.00} stating they did not believe me that I did not do it.
Consumer complaint received 2021-09-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX  XXXX, 2022 I received a fraudulent iquiry on my credit report from XXXX XXXX and XXXX. I believe someone tried to use my personal social security number to acquire a XXXX  Credit card. I have called XXXX XXXX  and spoke to someone and requested a deletion or removal letter to be sent to XXXX credit bureau. This was took place going on over 3 months now and I have yet to receive a deletion letter nor do I see it removed from my hard inquiry. I did not authorize this transaction and I would like this is be removed as soon as possible. Thank you so much!
Consumer complaint received 2021-06-06
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: CITIBANK, N.A. (FL)

Please remove the late payments still showing on my credit report from MACYS/DSNB. I believe the credit was they citibank at the time the servicing errors were made but it is showing dsnb on the report. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed. I am also currently impacted by covid19. This is old debt and is no longer collectible due to the statute of limitations. Also the amounts were wrong and inflated. I tried for several months at the time to correct this with the phone team. However they got real mean and refused offer a remedy to the situation. Placing me on long holds and even shouting at me when they asked my political affiliation and I mentioned trump. They really got malicious with the hold time and then sabotaged the account with fees. The fair debt collection practices act was not followed at all. It is shameful the XXXX year olds who work in these call centers. They are all so XXXX  and XXXX, totally inept. Please remove all derogatory reporting for all credit reports and mail me a letter confirming this as well. Please remove all the late payments that were reported. Do this for XXXX, XXXX  and XXXX. I recorded some calls for court and saved all the documents. Please do the above in a timely fashion to avoid civil lawsuits. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed.
Consumer complaint received 2021-07-15
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: Bread Financial Holdings, Inc. (NJ)

I have two Woman Within Credit Cards and one XXXX credit card with Comenity bank. I went onto a hardship payment plan in XX/XX/XXXX not missing one payment and paid all three credit cards off in XX/XX/XXXX. My credit reports have me late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even with paying the balances off in full!!
Consumer complaint received 2021-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

On XX/XX/2021 a withdrawal of {$3400.00} was made from my Capital One savings account. I did not make or authorize this withdrawal. I contacted Capital One via phone when I noticed the withdrawal from my account ( approximately XX/XX/2021 ). Case # XXXX was opened, and I was told that the money would be returned to my account. As of XX/XX/2021 my money has not been returned. My attempts to resolve this through Capital One have been unsuccessful. I've spent more time on hold than speaking with an actual person over multiple phone calls.
Consumer complaint received 2022-06-23
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. (OH)

I went to the car dealer they told me they were only running my credit through XXXX but it was XXXX hard inquiry XXXX 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 XXXXXXXX
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2021, XXXX XXXX from XXXX XXXX XXXX XXXX sent me a link to an invoice ( see email correspondence attached ). The link she sent was the wrong invoice, and was in fact a link to an unpaid invoice for a different customer. Not seeing the error, I paid the invoice on XX/XX/XXXX using the link she provided. 

I immediately contacted her via email and let her know about the error ( see email correspondence ). 

I immediately contacted Citizens Bank via phone and let them know about the error. Citizens bank told me via phone that there was nothing I could do until the payment cleared, then I could dispute the charge. I waiting until the payment cleared, then immediately contacted Citizens Bank and filed a dispute for the charge. Citizens Bank did not provide me a claim number.

After not hearing anything from Citizens Bank or XXXX for a couple weeks, I contacted Citizens Bank to check on the status of my claim. I was told that they could not find any record of my claim, but I could enter a new claim now, which I did. The claim number for this second claim is XXXX. 

Today ( XX/XX/XXXX ) I received a letter from Citizens Bank telling me my claim was denied because I waited too long to dispute the charge, even though I first contacted Citizens Bank before the charge even cleared, and again immediately after the charge cleared.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XX/XX/2022 USAA called XXXX XXXX and told him there was fraud on his checking account in the amount of {$3000.00}. They indicated they were sending it to the fraud department. Someone had got into his account and found my checking account information in his account that had been in there from years ago and pulled the XXXX out of my XXXX account ( XXXX XXXX ). They tried to put it in XXXX account but USAA pulled it right away and reported fraud. We have called USAA every week since the XXXX and have been told it will be back in my account within 3-5 days. Nothing ha happened yet.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX, my wife called our existing mortgage servicer, New Rez/Shell point and explained that our tenants had lost their jobs due to Covid 19 and that we couldn't make the mortgage payment due on XX/XX/2020. She requested Forbearance and was told it would take 48 hours and that we would not be marked as being late during forbearance. 
We did not make the XX/XX/XXXX payment. Then the mortgage company called us and demanded the XXXX payment. We were confused because the loan was supposed to be in forbearance. With great hardship, we did make the payment on XXXX and we paid for both XXXX & XXXX. On XX/XX/XXXX, we made a payment which was slightly short, again the lender demanded that we give them more money which we did on XX/XX/XXXX. We had NEVER been late before or since. We were told that our loan was in forbearance and no payment was needed. New Rez Shell point has a recording of the actual phone call and also has a log of the XX/XX/XXXX call. We are trying to refinance to get a lower rate. The lender denied us because of the two mortgage lates that New Rez is incorrectly reporting. On XX/XX/XXXX, we called the loss mitigation dep & XXXX, said that it was a New Rez error and that we should dispute it which we did once on XX/XX/XXXX and again on XX/XX/XXXX.
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

Wakefield & associates Report that I owe them a Debt which is inaccurate After l no communication was made with me they reported it to my credit which is affecting my score drop 60 points and my credit to buy a house or car also they are in violation of hippa laws
Consumer complaint received 2022-05-13
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. (FL)

in accordance with the fair credit reporting act, the holder of these accounts have violated my rights to privacy. 

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 XXXXXXXX 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS..
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance {$21000.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (FL)

1. I have not had access to over {$15000.00} of my own funds since XX/XX/XXXX. I reported a fraudulent charge at that time, and US Bank put a security hold on my account. I tried for months to get the hold removed, and finally it was removed in XX/XX/XXXX after I filed a complaint. Since then, I have called twice to request a card so I can access my funds. US Bank claims they mailed me a card twice, most recently on XX/XX/XXXX, yet I received nothing. All my other mail comes with no issues. Clearly, they are just not mailing the card. I believe it is their intention to deny me access to my funds. 

2. The original fraudulent charge from XX/XX/XXXX was never investigated by US Bank. I filed a dispute in XXXX, and US Bank quickly closed it without investigating. I called back, and they said they needed a police report. I sent the police report, once by fax, once by mail. Still they have done nothing. The charge is still on my account.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

I keep receiving recorded calls telling me my Amazon XXXX  Card ( never used since about XXXX  ) has a suspicious charge and I should call to confirm. On XXXX the call came at about XXXX XXXX  from phone # XXXX
Consumer complaint received 2021-04-16
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. (NY)

HELLO TIRED OF WRITING XXXX, EQUIFAX, XXXX ABOUT BREAKING THE LAWS. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!
Consumer complaint received 2021-04-16
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. (NJ)

Hello, I submitted a dispute on XXXX with my lender State of NJ XXXX XXXX 3 late payments in XX/XX/XXXX. 
The lender emailed me back on XXXX XXXX approving to remove the late payments for {$150.00} and would notify crediting agencies on my behalf. 
The crediting agency, Experian, has not updated my credit report and score. 
I reached out to Experian via phone call XXXX XXXX XXXX XXXX ) and they asked me to upload the email proof to experian.com/upload, which I did on XX/XX/XXXX. 
They said they would contact the lender. I received an update from Experian that the late payment would stay on my report after they spoke to the lender, XXXX. 
I called XXXX and spoke to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ). She stated no one from Experian contacted XXXX. 
I called Experian once more on XX/XX/XXXX and they said they did not receive the uploaded file. I uploaded it again on the same day and received the confirmation it was uploaded and my dispute is open. I received another update that the late payment will stay on my record on XX/XX/XXXX. I am not sure if anyone at Experian contacted XXXX. May you please look into this? 


Best, XXXX