davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I purchased a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I paid a local mechanics shop to install the part, but it did not fit my XXXX XXXX XXXX despite being listed on the website as being able to fit on the website. I email XXXX XXXX and they agreed to accept the part as is for a return. After receiving the part, they refused the return and sent it back to me. I am now stuck with a short throw shifter I can not use and can not return. I initiated a dispute with my credit card company, ELAN FINANCIAL SERVICES FIDELITY FIDELITY REWARDS VISA. After reopening many disputes with them, and them being decided in favor of the merchant, it was ultimately closed against me. I am very disappointed in ELAN FINANCIAL SERVICES FIDELITY FIDELITY REWARDS VISA for deciding against their customer when I did no wrong and suffered monetary damages in excess of the cost of the merchandise I purchased.
Consumer complaint received 2023-03-21
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. (MD)

To start with, this is not my first attempt at resolving this particular issue. My credit score was updated on XX/XX/2023 to reflect a balance of {$390.00} from XXXX XXXX bank, which was false and illegal. Despite having a balance of {$0.00}, XXXX falsely generated this amount, resulting in a XXXX drop in my score. The creditor had not yet reported my account for the current statement period, and confirmed that my balance was {$0.00}. Despite this, XXXX claimed that the amount was reported. Although an investigation was opened, my score did not return to its original value, and the false remark was not removed from my credit report.
Consumer complaint received 2023-03-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

During XXXX of XXXX I had a financial hardship due to the covid-19 pandemic I reached out to my mortgage service Loan Care and they placed me on forbearance doing that time I was not required to make payments. I applied for the North Carolina Homeowner 's Assistance Fund ( NCHAF ) and was approved on XXXX the XXXX XXXX in the amount of reinstatement for {$9300.00} and 3 months going forward for the month of XX/XX/XXXX, in the amount of {$460.00} XX/XX/XXXX, in the amount of {$430.00} and for XX/XX/XXXX, in the amount of {$460.00} giving a total amount of assistance received {$10000.00}. the payment was submitted to my servicer lawn care However, it was not posted correctly. I've been in contact with Loan Care in reference to the discrepancy in posting. Loan Care had not addressed the issue as of XX/XX/XXXX. Loan Care does not apply payments made on my account, however the send notices of nonpayment while the payments made are in an unapplied funds account. I request that Loan Care provides a monthly mortgage statement via mail and the has not happened yet.
Consumer complaint received 2024-11-13
Product: Credit reporting 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. (FL)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo Auto Loan Complaint Department responded back to CFPB complaint Number XXXX. This company has lied on me more than once. Exhibit A will show all incoming and outgoing calls. I have spoken with XXXX at Ext XXXX and XXXX at XXXX XXXX on XXXX please look at phone history. The phone calls was more than 15 minutes. The same company above lied like they never received my payment I mailed in the beginning of XXXX. I have been mistreated by this company and I suffer mental abuse. My XXXX payment that I mailed in was never applied because they wanted to repo my car. This same company has been in trouble for doing bad things to their customers now turn around and do me the same way and lie on me to make their company look good. I called in on XXXX to see have my payment been applied to my account. This company responded no and told me your account was closed on XXXX and demanding full payment or refinance the loan. The collection department was so cruel to me I couldn't believe it. I XXXX XXXX XXXX to the company on XXXX and will continue to pay on my account. I just went back to work in XX/XX/2023 and I made a payment with my debit in XX/XX/2023. I also made two payments in XXXX one payment was never applied. I have been treated unfair by this company and my account should be reopened due to dishonesty and mistakes that was not my fault. I have been taken advantage of by this company. Justice needs to happen I'm a frontline worker for my city and state. Wells Fargo need to do right by me and other customers. I put my hard earned money on this account and I get discrimnated because I caught XXXX XXXX and couldn't work until my doctor released me. I respectfully request Wells Fargo Auto Loan to apologize and reopen my account for their lack of dishonestly.
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/XXXX we wired money ( {$21000.00} ) to JP Morgan Chase Bank to pay a subcontractor that did work on a project in XXXX XXXXXXXX. The next day we found out that the money was never received. Our subcontractor provided us their banking information through email and found out after the fact that the routing number was correct, but the account number was incorrect. Through the email there was fraud. The subcontractor immediately contacted us about the fraud and requested a reversal of funds, since it was sent to the wrong account number. We were informed that JP Morgan Chase didn't take the proper steps matching the wire transfer to XXXX XXXX XXXX XXXX information and JP Morgan Chase admitted they did not take the proper steps in matching the wire information ie. Name of company and address to proper account. My complaint is JP Morgan Chase was negligent and is responsible for the wire fraud. Chase is responsible for the request reversal, so we get our money back to pay the Subcontractor ( XXXX XXXX ) in full.
Consumer complaint received 2023-03-26
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

SPS is the mortgage servicer for the mortgage on my mother 's co-op apartment. I am the executor of her estate. My real estate attorney requested pay-off documents on XX/XX/XXXX for the sale of the co-op. Nearly 3 months later and they are still unable to provide the documents. Our sale is in danger of falling through if this drags on much longer. They seem never to have the documentation they should legally maintain. They repeatedly claim to be " expediting '' the matter with nothing changing for weeks. Attorney has been contacting them daily only to hear the same excuses and delays.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I purchased my vehicle in XX/XX/XXXX, my repossession happened in XX/XX/XXXX. So after several attempts to get the account removed from my credit profile after learning of the class action settlement. As you can see in the attachments, Santander just settled the case in XXXX. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from credit report. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the XXXX and XXXX and Experian credit reporting agency XXXX block information reporting on my consumer report that result in identity theft and fraud within 4 daysof receiving this complaint.The fraudulent inaccurate account is Lincoln Automotive account number XXXXThis account account appearing on my consumer report i do not recognize the aforementioned account.I have attached my FTC IDENTITY THEFT CRIMINAL COMPLAINT case number XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

Beginning of XXXX I received my income tax on Venmo banking app. It was XXXX XXXX XXXX. I purchased was withdrawing money slowly paying bills and bought a car, eventually I was left with {$850.00} on my account and Venmo froze my account and said they were freezing my account do to suspicious activity and that I needed to upload photo of my drivers license to confirm my identity, keep in mind that was my rent money, i almost got evicted from my home and they did not care. So then I uploaded my drivers license to confirm my identity and when I did that they complete restricted my account from doing anything and said they are keeping my money and I cant do anything about it Ive tried many many times to get them to release my money to me atleast since I did as they asked and provided my drivers license to confirm my identity and on top of that never even did anything wrong or violate any of their terms or rules. They are refusing to realese my funds to me and every time I email them theyd end me the same copy and pasted email about how my funds are no longer available to me and they are keeping them. Please help I had to get a loan to pay my rent and I need those {$850.00}. My Venmo account information is Name XXXX XXXX My XXXX XXXX XXXX XXXX  Email on account is XXXXXXXX XXXX
Consumer complaint received 2022-06-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

My sister passed in XXXX and when i went through her documents, she showed that she took out a home equity line of credit mortgage. When I called Specialized Loan Servicing LLC to get more information, they would not speak with me. I went to court and became administrator of the estate. I was told that the mortgage is tied to our property and it would have to be paid. I started making payments but I am on a fixed income as a senior. I asked for assistance in getting a modification and I was granted a trial payment plan for {$640.00} starting on XX/XX/XXXX to XX/XX/XXXX. I was told to continue making payments until I received the final mod. I continued to pay that trial payment amount and never received the final. I met with a Housing Counseling Agency and the Specialist called SLS and spoke to a rep and was told that this home equity line of credit is an adjustable rate mortgage loan and that the last payment they received was on XX/XX/XXXX for {$640.00}. However, the payment changed in XXXX, XXXX to {$700.00} and in XXXX, XXXX to {$710.00} and in XXXX, XXXX to {$700.00} and in XXXX, XXXX to {$690.00}. I was never aware of that until I got a notice that I am behind in the mortgage. Additionally, the monthly payment that I was making was disengaged in XXXX, XXXX. THEN I WAS TOLD THAT SLS DOES NOT MODIFY LINE OF CREDIT LOANS. I have attached a copy of the letter that approved me for the trial.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

- My credit card information was used fraudulently on XX/XX/2023 at XXXX XXXX  EST. 
- My credit card is with Bank of America ( Travel Rewards card ). 
- The card was used at XXXXXXXX XXXX store at XXXX XXXX in XXXX, XXXX. 
- The card was charged 3 times - {$540.00} ( approved ), {$190.00} ( approved ), and {$260.00} ( declined ), for a total of {$730.00} that I was charged with. 
- I IMMEDIATELY opened a claim and discontinued my credit card once I got text messages about the charges. 
- These charges were NOT MADE BY ME- I was physically at my place of work, XXXX XXXX XXXX in XXXX XXXX. 
- I have the phone number of multiple coworkers who can attest I was at work. I also informed multiple coworkers about the situation, they can attest I discussed my credit card information being stolen. The phone numbers of these witnesses/coworkers are : XXXX, XXXX, XXXX. 
- My claim was DENIED on XX/XX/2023. 
- I tried calling Bank of America to dispute and they were not helpful and told me to open a police report.
Consumer complaint received 2022-06-16
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. (AR)

I have tried contacting Transunion regarding issue with error on my credit report. They have not fix my credit. The their credit report shows 9 missed or late payment but I have not miss any payments. The Fix my credit for a couple of days ( XXXX  XXXX to XXXX XXXX ) and then change it to be incorrect. I will try and submit again but I do not trust them as they have fail to fix the issue the first time. XXXX call me to say they have sent the request to fix the issue back in mid XXXX. It is XXXX and Transunion still has not fixed the issue. I have attach proof of me not missing any payments.
Consumer complaint received 2022-06-16
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. (SC)

GOOD MORNING, EXPERIAN, XXXX, AND XXXX has not properly conducted an investigation regarding a negative account on my personal credit report. On XXXX XXXX i certified mailed off a letter ( Experian Certified # XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX ) requesting documentary proofs ( the hard copies ) and evidence of the alleged debt being claimed against me. 
The account is : XXXX XXXX XXXX XXXX .... 
I unfortunately still have not received any hard copy documentation proof that i originally requested. I stated if unable to provide proof, please delete the account completely and immediately. I appreciate your time in this matter and i'm able to provide any and all additonal information needed to resolve this issue correctly.