davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In a notice letter dated XX/XX/2021, I, XXXX XXXX XXXX, ( a " consumer '' ), did hereby provide written notice to TRANSUNION CONSUMER SOLUTIONS ( a " consumer reporting agency '' ) of a violation of my rights as defined by U.S.C. Title 15, Chapter 41, Subchapter III 1681b with written instruction to delete specific inaccurate and unlawful data furnished to my consumer report. The notice letter was sent via certified mail with confirmed receipt and courtesy copies provided via email to Transunion 's executive staff members with facts and law. As of today, XX/XX/2021, I have confirmed Transunion has not adhered to my written instruction and continues to furnish the data specified as impermissible to my consumer report. The Office of the Law Revision Counsel of the U.S. House of Representatives publishes and prepares the United States Code pursuant to Title 2, Section 285 and publicly furnishes U.S.C. TITLE 15, CHAPTER 41, SUBCHAPTER III, 1681b of Permissible purposes of consumer reports at us.house.gov where it clearly states ( a ) In general, 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.
Consumer complaint received 2023-04-03
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. (NY)

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct the status of these accounts : XXXX XXXX XXXXXXXX Balance {$220000.00}, XXXX XXXX  XXXX Balance {$720000.00}
Consumer complaint received 2021-10-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I do not recall receiving the release of lien holder interest letter from COAF after paying off the loan during XX/XX/2021. I have attempted many times to simply request a duplicate be sent but have been unable to speak with a live person at COAF. COAF claims they update the DMV via electronic methods however as of XX/XX/2021, I received a letter today ( XX/XX/2021 ) from the Nevada DMV declining a copy of the title as the DMV 's records still indicate COAF as the lien holder still present.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ENCORE CAPITAL GROUP INC. (CA)

The payroll department ( my employer ) has brought to my attention I have a new garnishment. When looking into it I found it was for an unpaid balance on a XXXX card. I had 4 credit card balance, XXXX being one of them, that were paid in full XX/XX/XXXX. In XX/XX/XXXX, we paid {$6700.00} to pay the XXXX credit card in full and closed the account. Now I'm being told I owe over {$700.00} and my check will be garnished in the amount of {$380.00} at the end of this month if I can't provide proof. It was so long ago I'm not sure how to do that. I know in XXXX my mother wrote the check in the amount of XXXX but no longer have proof of the account being closed as it was over 15 years ago. Also my employer said that I paid {$4.00}, xxx toward this debt in XXXX and XXXX. I was overwhelmed with medical debt at that time and didn't question it. I feel I do not owe the $ XXXX the collection company is trying to obtain from me as we as the {$4.00}, xxx I have already paid. Please help! The debt collector company number is XXXX and email : XXXX Thank you. 
XXXX XXXX
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I have credit inquiries and accounts that I am unaware of. I wrote XXXX, XXXX, and Experian over 45 days with no response. I have attached a copy of the incorrect information and identify theft letter. 

Please help. Thanks.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I have deposited a check on XX/XX/XXXX and it was suppose to be available on XX/XX/XXXX. However Chase bank has placed a hold on a check for future verification. I have contacted Chase bank at least 6 times with a total of 8 hours of phone time trying to resolve this issue.

Chase states that in order for them to release the funds I should provide them with a phone number of the issuer. And I have done so. I have contacted the issuer and asked for at least 10 different phone numbers for chase to call and verify but Chase states that those phone numbers are not valid for the company and they do not have any valid phone numbers for the issuer in their system.

Chase states that the only ways to remove the funds is to either go inside the branch together with the issuer ( which is not possible since it is an insurance company across the country ) or to have the issuer call back the funds and reissue the check. 

I have contacted the issuer about recalling the funds and they told me since it was already deposited there is no way to withdraw the funds and I will attach the copy of the email from the issuer for the records. 

Basically my funds have been stuck at chase for a month and i really need them. I am out of options and just trying to get the funds. 

Also chase has closed my account and refuses to send me the funds that are on the account to my mailing address by check.
Consumer complaint received 2023-03-18
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. (AL)

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 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 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 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.

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. 

The following inquiries were also opened under my social security number fraudulently as well. 

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
Consumer complaint received 2021-10-13
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. (IN)

I do not recognize these hard inquiries on my TransUnion credit report XXXX CARD SERVICES Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type I also do not recognize any of the hard inquiries on my credit report from XXXX, or XXXX either .
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

In XX/XX/2021 I checked my credit report and I found that Credit Collection Services was reporting an account on my report. This account reports that I owe them {$500.00}. I sent them an Affidavit with very specific request as to verification on this alleged debt. The received my letter on XX/XX/2021 via certified mail ( tracking # XXXX. ) Credit Collection Services responded by sending me a printout of a billing statement. On XX/XX/2021 ( tracking # XXXX ) I sent them another Affidavit with an opportunity to cure, in case they were remiss in responding to the first letter I sent. Credit Collection Services responded with a dunning letter, again ignoring my very specific request for verification. On XX/XX/2021 ( tracking # XXXX ) Credit Collection Services received another Affidavit requesting verification. Again Credit Collection Services sent the same dunning letter. At this point, Credit Collection Services are in default. Credit Collection Services has violated I am demanding that this account be permanently deleted from all of the major credit reporting agencies.
Consumer complaint received 2021-10-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I was in a forbearance due to job loss from convid and I was told the payments would be Ballon to end of loan so at the end of the foreberance I was offer a quick sale or lump sum payments not understanding trying to avoid foreclosure of my home please help.
Consumer complaint received 2022-06-23
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: SYNCHRONY FINANCIAL (CO)

I opened a Paypal Credit account. I later realized it was through Synchrony Bank not actually PayPal. 
I made a purchase to XXXX XXXX on XX/XX/XXXX for {$290.00}. When I got my statement it showed a " cash advance '' charge. I had never made a chash advance so I was confused and called for clarification. They reported it as unrecognized. They returned my money to my Synchrony account and took the money from XXXX XXXX. I then realized what it was and called them back to verify the charge. They recharged the amount to my Synchrony account on XX/XX/XXXX. However, they never paid the money back to XXXX XXXX. 25 phone calls, interest charges and hours of time later XXXX XXXX still does not have his money a year later. Paypall tell me to talk to Synchrony. Synchrony tells me to call Paypal but they will not actually talk to each other.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (GA)

I have been using Experian to fix my credit and I have some major concerns. There report isnt as accurate at XXXX or XXXX. I have 7 accounts which have been paid on time without any issues which their own reports reflects. All 7 are current with no lates in last 2 years. My 4 % credit utilization went to 0. I have no collections, and XXXX removed a bankruptcy that isnt mine and its taking an act of Congress to get them to remove it. I followed everything they asked me to do for 2 years and my credit score dropped 23 points this month and the only thing changed was an account which they said I owed {$45.00} which I paid off in XXXX was corrected by them. There has been no negative information on my credit for 2 years but they still want me to keep paying this {$25.00} per month to fix it but even following their advise is not getting results. This makes no sense and when you get someone on the phone they cant explain it. I want the exact reason why it dropped 23 points in XXXX with 2 years of nothing negative.
Consumer complaint received 2021-03-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LAGO Funding Corp. (GA)

They garnished my wages starting in spring XXXX. I spoke to them and told them this was discharged in a bankruptcy. They stated they didnt care about that but they did negotiate to a lower amount. This continued to the end of XXXX. 

When I moved out of state and they began garnishment again in XX/XX/XXXX.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

My name is XXXX 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.
Consumer complaint received 2022-07-17
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: EQUIFAX, INC. (TX)

I pulled my credit report and found a number of hard inquiries that I do not recognized. I called the companies as well as file a fraud account as well as freeze my account to avoid future inquiries.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, for some reason, is reporting my mortgage with XXXX  # XXXX as 30 days past due for XX/XX/2021. This could not be possible as I sold my home and paid off the mortgage on XX/XX/2021.Attached I have provided a copy of the settlement statement and warranty deed showing the home as sold and XXXX XXXX  being paid in full on XX/XX/2021.
Consumer complaint received 2024-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AZ)

My online banking is keep XXXX. No reasons just to use and send XXXX payment or send money online access XXXX. XXXX XXXX is tempering with my money and abusing there powers and disabling my online banking.
Consumer complaint received 2020-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased airfare through Capital One travel on XX/XX/2020, for {$340.00}. On XX/XX/2020 my flight from XXXX XXXX, XXXX to XXXX, XXXX was canceled due to COVID 19. 

On XX/XX/2020, I arrived at XXXX XXXX airport at XXXX XXXX, four hours before my departure. When I tried to enter the airport the employee checking tickets told me I could not enter. He told me I had to visit the XXXX XXXX XXXX on the other side of the airport. 

When I arrived at XXXX XXXX, there were many people waiting in line. Apparently, several XXXX XXXX flights were canceled for the day due to new COVID-19 restrictions and XXXX border controls. When it was my turn to speak to the manager, he told me that he was sorry but there was nothing he could do. He gave me a flight cancellation certificate and told me to present it to Capital One since I booked the flight through their website. 

I have called and faxed Capital One several times concerning this matter but they have not refunded my money from the canceled trip. Capital One says XXXX XXXX has agreed to give me credits but that isn't true. I have called and emailed XXXX XXXX several times as well and they say that Capital One is responsible for reimbursing me since I booked the flight through their travel site.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION (AZ)

To Whom It May Concern, My wife and I encountered several issues with Alliant Credit Union at the time of mortgage payoff and post closing of said mortgage. We requested a payoff statement as well as stop payment on our mortgage prior to the sale of our property. Despite the confirmation that the final mortgage payment would not be processed, Alliant credit union went ahead and in fact debited our account for an additional payment which resulted in incorrect payoff statement which subsequently delayed our new property purchase. 

Further to this ineptitude from Alliant, on XX/XX/2020, an additional payment for a mortgage that not longer exists was processed. This has created financial hardship and we are receiving a lack of sense of urgency and inadequate response times.
Consumer complaint received 2020-11-30
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. (VA)

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When you have a credit card why, put a hard inquiry on your new card use.it go use from 234pt down why douse help are give a bad wrap thats not helping.i pay on time.
Consumer complaint received 2021-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO. (NY)

I have a business loan with Chase that was scheduled to mature on XX/XX/XXXX. Due to the pandemic, I received a three month deferral on payments for this loan, with payments being deferred XXXX, XXXX and XXXX of XXXX. In XX/XX/XXXX, my automated payments were reinstated by Chase. I assumed that the maturity date of my loan would be extended by three months to ensure the loan was fully paid off at time of maturation. Chase did not communicate in any way that I would need to pay the equivalent of three months of payments upon maturation of the loan. Chase also did not proactively provide me the option of increasing my automated monthly payment in order to fully pay off the loan at maturation. 
As a result, the following took place : 1. I expected that on XX/XX/XXXX, my automatic monthly payment would have been withdrawn from my checking account. It was not. I did not understand why and assumed there was an error.

2. I reached out to Chase to discuss why my payment was not withdrawn and to my surprise, I learned that my loan matured, Chase had stopped my automatic payments, and left me with a large outstanding balance. I was very confused as I expected my loan was maturing in XX/XX/XXXX based on my outstanding balance and payment deferrals. 
3. I never received any communication from Chase that my loan was about to mature, and in fact, did not receive a statement the month the loan matured. ( Statement dates : XXXX and XX/XX/XXXX ) Instead, I received a late fee of {$250.00} - also not communicated to me.

4. Once I understood the situation, I requested to pay off this loan in three monthly payments, as I had been doing for the last 5 years. I immediately made one payment ( representing the XXXX payment ), and asked that I make the remaining payments in XXXX, XXXX and XXXX respectively. 
5. After escalating this request, Chase 's response was that in order to accommodate my request, I would need to apply for a new loan, with a new credit check and new loan terms. I find that solution unacceptable.

6. I have paid Chase monthly for 5 years and only requested an extension of this loan, with these terms, to compensate for my payment deferrals due to the COVID pandemic. 

As of now, it appears that I have no choice other than to find the money to pay off this loan immediately or I will be reported delinquent and pay large fees. 

How can Chase execute a loan payment deferral program during a global pandemic and not communicate to its customers the expectations associated with this program? I never received any communication from Chase and believe this program must have been instituted without a standard set of processes, adjustments and payment expectations proactively communicated to their customers.
Consumer complaint received 2021-07-28
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2023-03-22
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. (UT)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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