davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

COMPANY XXXX XXXX ( XXXX ) IS VIOLATING MY RIGHT TO PRIVACY BY REPORTING UNAUTHORIZED INFORMATION TO CREDIT BUREAUS TRANSUNION AND XXXX. ON XX/XX/XXXX, IN WRITING, I SENT XXXX XXXX AN OPT OUT NOTICE. ON XX/XX/XXXX I SENT TRANUNION AND XXXX XXXX REPORTING AGENCIES PROOF OF OPT OUT NOTICE AND WRITTEN INSTRUCTIONS TO REMOVE ACCOUNT FROM REPORTS. ALL 3 COMPANIES ARE STILL REPORTING MY PRIVATE INFORMATION. 

COMPANIES ARE VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING CONSUMER PROTECTIONS : -PRIVACY ACT OF 1974 -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION -TITLE 15 UNITED STATES CODE 6802 `` OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION
Consumer complaint received 2024-10-10
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. (FL)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2023-10-03
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX - Account # : XXXX, XXXX XXXX XXXX - Account # : XXXX, XXXX XXXX XXXX - Account # : XXXX, XXXX - Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX - Account # : XXXXXXXX XXXX XXXX  - 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 an account without my written instructions.
Consumer complaint received 2023-08-16
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: Scott Fetzer Financial Group Inc. (FL)

To whom it may concern I am trying to buy a house and I noticed some damaging information on my credit file. According to the 15 USC 1681 law there should not be any damages on my report, this is a defamation to my character.
Consumer complaint received 2020-05-09
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: CORELOGIC INC (FL)

My complaint is regarding Credco/quicken. They placed an unathorized inquiry on my credit on XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX &XX/XX/XXXX19 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX-19.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (IL)

To my dismay I noticed an erroneous reportings on my XXXX   credit bureau for myself, my Dad and my Mom for a fictitious .I called a representative at Shellpoint Mortgage Servicing customer service number, she indeed confirmed this was an error and confirmed the following details : The loan was originally with XXXX XXXX , it was scheduled to transfer to Shellpoint but never transferred because the truth of the matter is my Dad refinanced from XXXX in XXXX of 2019 with no delinquencies prior and neither me or my Mom were even on the loan when XXXX was the mortgagee. I dont know how my mom and I were even on XXXX record. The loan NEVER hit your portfolio yet has been reported 120 days delinquent on all three of our credit bureaus!!! Which caused our credit rating to decline between 25-50 points each. I myself noticed this because I was in the process of applying for a loan and was denied! I have spent several hours calling and holding to speak with your company and representatives at the credit bureau to dispute this item on all of our credit bureaus. Such negligence should not have take place and it has cost us as consumers. The other thing that concerns me greatly is that, neither my Mom, Dad or I never received any correspondence from Shellpoint, or XXXX about any mortgage transfer to our residence. Please remove this erroneous reporting from all credit bureaus for all parties involved immediately. I also confirmed on a secondary phone call to Shellpoint, they has now transferred said mortgage to another lender, they couldnt tell me who, that now has our personal information and shouldnt. Shellpoint is hindering our ability to get other lending transactions approved. I would like a letter mailed to each of us with resolution.
Consumer complaint received 2020-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Springer Collections Inc. (MN)

Contacted company to inform them I do not owe a debt to them on or around XX/XX/XXXX. I was told debt is with an attorney and needed to speak with XXXX. I then was redirected to someones voicemail who I then left a message for. I did not hear back from them. I sent a dispute with XXXX  on it around XX/XX/XXXX. I received a response on XX/XX/XXXX that the account has been updated with no noticeable changes afterward. I have a court decision and order I submitted that dismisses this and to be expunged because it is mine, XXXX   ignored this documentation. I have uploaded it again, XX/XX/XXXX. This debt that is not mine and is unfairly hindering my loan opportunities. I wish for this to be resolved quickly and deleted from XXXX and XXXX  credit bureaus. XXXX  rightfully deleted the debt when I submitted the court documentation back in XXXX of XXXX. I do not owe Springer Collections or XXXX XXXX.
Consumer complaint received 2020-05-09
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. (PA)

Due to COVID pandemic I was unable to pay my payment to XXXX XXXX ( account # XXXX ) and my XXXX XXXX XXXX account ( Account # XXXX ) on time because all branches in which I pay were shut down due to the recent pandemic.
Consumer complaint received 2023-08-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX, Equifax, and XXXX continue to report inaccurate information on the account known has XXXX  XXXX XXXX. The account is charged off which means it is now a cancelled debt which per the IRS is considered a certificate if indebtedness which income can not be reported. 

The reporting agencies are reporting several inaccuracies. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$520.00} {$0.00} {$350.00} Credit Limit : {$350.00} {$350.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX  XXXX Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and Equifax are reporting late payments from XXXX XXXX XX/XX/XXXX and XXXX reports a late payment for XX/XX/XXXX. 

XXXX is reporting a collection for XX/XX/XXXX XXXX is not reporting late payments are collection. 

None of this account information matches therefore this account has not been properly reported or verified.
Consumer complaint received 2023-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

On XX/XX/XXXX, I received an email from XXXX that my score had dropped from XXXX to XXXX. Something called Commonwealth Financial System had me in collections for {$1400.00}. I immediately disputed the charge with all three credit organizations. I have always paid my bills and am very distressed by this false charge. 

On XX/XX/XXXX, I called Commonwealth Financial at XXXX and spoke to XXXX (? ). She said that the collection is for their partner XXXX XXXX who in turn does collections for XXXX XXXX XXXX. XXXX XXXX XXXX saw XXXX XXXX in an emergency room somewhere on XX/XX/XXXX. They somehow attached my home address to that bill and expect me to pay it. XXXX said that she would enter a dispute in their system. I have not heard back from Commonwealth Financial. 

On XX/XX/XXXX, I sent an email to XXXX XXXX. It has not responded. 

Since I was never contacted by XXXX XXXX XXXX, XXXX XXXX, or Commonwealth Financial, I assume that they did not have my phone number or email address. I'm sorry that they have them now as a result of my contact with them because they can now use that information to bolster their false claims. 

I do not know XXXX XXXX. I did not take anyone to an XXXX. I can not understand how I can be randomly sent to collections for a bill incurred by someone else, for someone else.
Consumer complaint received 2020-05-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IN)

When I logged onto our account with Freedom Mortgage to pay our current mortgage payment, I discovered that the company placed our mortgage in Loss Mitigation. Due to this, there is no option to make a payment. According to their website, they approved a Loss Mitigation for our account on XX/XX/2020. It also says that we have a Repayment Forbearance ... Currently Under Investigation. We did not ask for or fill out any paperwork requesting a Forbearance. Apparently Freedom Mortgage took it upon themselves to force us into this situation. This is not right and we will be contacting the company. Although contacting Freedom Mortgage usually results in more frustration, we will try. 

This Company is already part of at least one Class Action Lawsuit over their unending phone calls pressuring their mortgagees to refinance and refusal to cease their phone calls. 

If these new actions by Freedom Mortgage are not illegal, they certainly should be. How many others have they placed in Forbearance without consent?
Consumer complaint received 2023-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I received a letter from Select Portfolio Servicing, since XX/XX/XXXX, saying that I supposed to have an amount of {$9900.00} from my escrow. But, I tried more than XXXX calls and until now, not happened. They told me that they sent the last check on XX/XX/XXXX, number XXXX, but I didnt receive that check yet. I asked about the tracking number, but they dont have it. How can I receive it, if the only thing that they say is : " just wait more days ''? Im waiting more than 100 days!!! 
Nobody knows anything about what happened, when I call. I tried to talk to supervisior too, and she said to me : " Call on Tuesday ( XX/XX/XXXX ), and someone will give the tracking number ''. So, I called and again the answer was the same : " we dont have any tracking number, and just wait a couple more days for your check ''. 
Actually, I think that, if there isnt the tracking number, they never sent a check, because there inst any proof about that. I need my check, because its MY money!!!!
Consumer complaint received 2023-08-12
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: AMERICAN EXPRESS COMPANY (FL)

I stayed at XXXX XXXX XXXX as part of a large work group XXXX. I had my own room and provided my Amex for room incidentals. When I checked out I noticed there were {$110.00} worth of charges on my bill that were not mine. The front desk said they were from a food truck. I explained I never went to a food truck. They removed the charges, printed me a new folio, and I checked out. The correct folio amount posted to my AMEX the same day. 

On XXXX I checked my AMEX and what do you know, XXXX had processed the correct folio AND added the incorrect charges 3 days later in a separate charge and they were pending on my card. I promptly called XXXX and accrued {$59.00} dollars in long distance explaining to the XXXX that the charges were incorrect. She told me the charges were alcoholic beverages from the pool ( note : not food truck ). I explained I do not drink alcohol ( technically irrelevant ) and did not order any drinks at the pool. She then asked if I drank water which I said I did and she stated well theres XXXX water on this tab too implying I mustve been a part of the tab because I drank water ( like XXXX other people did that XXXX degree day at the pool in XXXX? ) I got no where and was placed on hold and she never returned. 

At this point fed up, I disputed the charge electronically with Amex and provided my folio and an explanation of the situation. 

On XXXX I received notice from Amex that the dispute was closed and I was charged {$110.00} because XXXX provided a receipt from XXXX XXXX with XXXX alcoholic drinks for {$110.00}. Again NOT MINE ( and not the pool or food truck as erroneously stated by the hotel ). Again I did not buy these drinks or patron XXXX XXXX. 

I reach out to Amex electronically who said this was not filed correctly and was not a dispute but instead fraud. I explained this was a basic run-of-the-mill disputed charge if ever there was one ( aka charged for product I did not receive ). Amex was not hearing it, transferred me to the fraud department who then canceled my card and started a fraud case!

Yesterday frustrated by receiving a new card I called Amex fraud department who told me this never should have been fraud and should have been a DISPUTE, closed the fraud case, transferred me to dispute, where yet ANOTHER dispute was created! I am going round and round. Please help CFPB!
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process. 
The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-12
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. (WA)

Equifax will not remove hard inquiries on my credit report and won't remove fraudulent opened credit card in my name that is now in bad standing on my report. I am a victim of identity theft from XXXX major security breaches including the major security breach from Equifax. I have put a fraud alert on my credit file report and a security freeze on my file as well. Although I had to temporarily unfreeze because iam applying to rent an apartment. I have disputed and disputed and they still won't remove the fraudulent items on my report. They say that these inquiries are intfact factual and I'm positive they are infact factual but Not by me and not because I gave my consent, they are factual because someone who stole my identity gave there consent. Please I beg you make them do the right thing and remove the negative items off my report. Thank you! 
Respectfully,
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (TX)

I set it up on auto bill pay with my bank for XXXX for the month of XXXX but the payment never went through and I wasnt notified until XXXX. I asked for a one time courtesy. I sent in bank statement showing it was on auto pay.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

I applied for and received my Chase Southwest credit card in XX/XX/XXXX ; when I received my XX/XX/XXXX bill, I noticed that I had already been charged the annual fee of {$140.00}. I immediately contacted Chase to inquire why I had been charged the annual fee a month later, because with my other Chase cards, I was not charged the annual fee until I had the card for a year. In addition, the Cardmember Agreement Rates & Fees document, made no mention of when the fee would be imposed, and the Cardmember Agreement booklet states that cardholders are responsible for the annual membership fee every YEAR that the account is open. However, I would not earn my promotional gratuities until my anniversary year ; XXXX. 

Unsatisfied with the service and ambiguity of the representatives I spoke to regarding this issue, I opted to close my account in late XXXX, after my final payment. In speaking with the representative that assisted me with closing my account, I was informed that when I received my final bill, the annual fee would be refunded, and since the calls are recorded, this can be confirmed. 

When I received my final bill, I had a XXXX balance, and the annual fee was not refunded. I contacted Chase again and spoke to a manager, who then informed me that since I closed my account after 60 or 90 days, they could not refund the annual fee charged. I then asked the manager that this decision and the applicable directive which XXXX  what I was told me sent to me in a letter, responding to my request to reverse the annual fee ; to date, I still have not received this letter, but I am continually being charged late fees and interest. 

How can a company legally and ethically charge an ANNUAL fee for a card/service that amounts to 3 months ; then, tell me that my fee will be reversed, only to say it will not be? This is an unscrupulous and swindling act, and cardholder need to be aware of this company 's practice!
Consumer complaint received 2023-08-12
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: WELLS FARGO & COMPANY (MN)

CHARGE OFF IS INCOME THAT HAVE TO BE REPORTED TO THE IRS. 
WELLS FARGO CARD SERVICE has been marked as a CHARGE OFF On my CONSUMER REPORT. 
I want a 1099c sent to me. Any amount Over {$600.00} is TAX FRAUD.
Consumer complaint received 2023-08-12
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. (GA)

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT NOT A 3RD PARTY AGENCY OR A CREDIT REPORT AGANECY SO PLEASE STOP WITH THE STAL TACTIC RESPONSE
Consumer complaint received 2020-05-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NV)

On XXXX XX/XX/2020 I used Remitly.com to attempt a transfer of {$100.00} to my bank account at XXXX XXXX XXXX XXXX ( XXXX ). They charged my debit card for this {$100.00}, and the automated response indicated that the funds would be available in the account by XXXX XXXX  on XX/XX/2020. The funds have still not appeared in my account. There is a link from my confirmation email from remitly.com to track the transfer. Every day since XXXX XX/XX/2020 I have followed this link, and the delivery date keeps being pushed forward to the present day at that website. The most concerning thing is my attempts to contact them have all failed. They have a " contact us '' web page that offers three methods : online chat, phone, and email. Only the chat method ever shows availability, but the link there appears to be inactive, it does not direct one to any chat page. I have attempted to follow the chat link each day since XX/XX/XXXX, and it is totally unresponsive. As a result of my experience, from remitly.com I would request that my {$100.00} be returned to me without charge, but there appears to be no way to contact this company to seek resolution.
Consumer complaint received 2023-10-02
Product: Credit reporting 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)

I currently have three fruad accounts and inquiries on my credit report. 


XXXX. XXXX XXXX {$760.00} XXXX. XXXX XXXX {$210.00} XXXX. XXXX XXXX XXXX XXXX {$750.00}