davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I tried to electronically deposit a check into my chase business checking account that I've had for over 10 years. The check was from a client for services performed in XXXX. The check was # XXXX dated XX/XX/XXXX to XXXX XXXX XXXX, XXXX in the amount of {$28000.00}. on the XXXX of XX/XX/XXXX, the money was removed by chase from the issuers account, and the check recieved a 'restricted endorsement '. This was not made clear to me by them but by another bank. So essentially I won't be able to take the check anywhere else for deposit and they won't give the money back to the issuer so that I can try to deposit the check anywhere else. 

Some time after I tried to deposit this check into chase without my notification or consent or without providing any information as to why, my account was closed. I can't access any of my statements for taxes etc. It's as if the account never existed. The money is still being held by chase. Every attempt I have made to try and get the money returned to the issuer has been met with with false promises, etc. I filed a complaint with the OCC, Chase assigned my case, to someone at Chase that was on vacation. I tried to get in touch with her many times, only to find out that when I did get finally get in touch with her that the OCC case had already been closed. 

Every step of the way I've been pushed off, ignored, or outright lied to. Legitimately useful information has been witheld from me. The report on the response to the OCC complaint was falsified according to what's been told to me by Chase. It's really been super horrible. 

This whole process has been so frustrating its killing my business and my stress load has exploded to the point that I am completely overwhelmed. All I did was deposit a check and now my financial life has been ruined with no end in sight. Please, Please, someone send me an angel that can make all this go away and I can get back to my normal life where banks deposit checks for their customers and people are good to each other. 

Thanks!!
Consumer complaint received 2022-07-23
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)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX  credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed : {$2100.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX XXXX BalanceOwed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$870.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$180.00} ; XXXXXXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (NC)

Attached is my police report stating that I am a victim of Identity theft. 
As of Recently I have inquires on my report that I should not have. The inquiries are from car loan companies. I have not been shopping for any cars. Matter of Fact I have a car that is paid off that I am currently driving. 

Listed below are the companies that are on my credit report in error : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I called each company to have this information removed but they all said to reach out to the credit bureaus. Vice versa the credit bureaus adv me to call this companies. 

Lastly XXXX. XXXX and XXXX are showing on my credit report as unpaid I have a letter from XX/XX/XXXX stating that balance is paid in full. 

Please help in getting this removed from my report.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-09-26
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I received Money Gram XX/XX/2022. XXXX {$2000.00}. 
I was given {$500.00} and the remaining {$1500.00} in a Money order and advised to deposit to my personal bank.My bank rejected the money order they said issue was the money order had a invalid payee listed. I contacted money gram and I was told that on their end they did not have any issues and XXXX  did not know why my bank had rejected it, the blamed me for the mistake and denied any possible solution to resolve my issue. My bank attempted to contact XXXX however did not resolve anything, my bank advised me that they would return item to me this caused my account to be over drafted. 
After numerous attempts to speak to a English speaking representative I gave up and filled a replacement form online for 3 day expedited processing fee {$45.00}, and next day overnight deliver fee {$22.00}. I was told my replacement amount would be {$1400.00}. It has now been 10 days I requested a replacement and I was told that my check was mailed and I should receive it XX/XX/2022, not in 3-7 expedited business days. They are liars and don't care this money is my husbands hard work earnings to pay for our rent. I want Money gram to know that as of yet I have not received my replacement, and my family and I are facing eviction from our home. This money was for my rent and Money gram has failed to properly process my transaction and their inadequacy to do their job correct in America has caused a tremendous amount of stress to myself, financial institution, and store where I transaction occurred. Money gram does not have any empathy for customers. Their code of conduct, and ethics compliance is worthless.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO. (WA)

Over the past few months, I have called Chase TWICE and requested they cease mailing me convenience checks. At the end of both calls, the agent CONFIRMED I would not receive the checks any more. Last week I received more checks and then today I received more! Im so frustrated. I dont want anyone to have an opportunity to steal and use these checks so I do NOT want to receive them. Please help me get my message across to Chase. 
Thanks, XXXX XXXX
Consumer complaint received 2022-01-25
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. (IN)

I have attempted to resolve this with both Indiana XXXX XXXX XXXX and TransUnion. The account that I had with XXXX shows open on my Credit Report. however i have verified with XXXX that the account is closed and has been for years. Trans Union refuses to mark this account as closed on my Credit Report. This Account shows as closed on both XXXX and XXXX ( as seen in attachments below )
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received the letter from BOA customer complaint and was asked to call back to verify the case with XXXX XXXX, No matter how many times I call and leave many voice messages, but I still cant find her, maybe they were reluctant to solve my problem. I have the evidence of Call outs list The Email from the BOA : Dear XXXX XXXX, Thank you for contacting Regulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. I am your point of contact until this matter is resolved. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2021 to confirm that information. My days and hours of operation are Monday through Friday from XXXX XXXX. to XXXX XXXX XXXX. 

Please note that we will be responding to your concerns via a secure email. Please follow instructions in that email to access our response. If you need additional assistance please contact me at the number below and I or one of my colleagues will return your call within 48 hours. 

This communication is for information al purposes only and is not an attempt to collect a debt. However, Bank of America, N.A. is required by law to inform you that this communication is from a debt collector. If you are currently in a bankruptcy proceeding or have previously obtained a discharge of this debt under bankruptcy law, this notice is for informational purposes only and is not an attempt to collect a debt, a demand for payment or an attempt to impose personal liability for a discharged debt. 

Thank you, XXXX XXXX XXXX XXXX Regulatory XXXX Bank of America XXXX, extension XXXX Case number : XXXX
Consumer complaint received 2019-03-19
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. (AR)

On XX/XX/2019 at XXXX XXXX ( XXXX ) and on XX/XX/2019 at XXXX XXXX separate letters which both included a detailed police report were received by Experian on my behalf in regards to several accounts that were listed on my credit report due to identity theft. Since the accounts in question have been removed, blocked, or deleted from both my XXXX an XXXX   report. Experian still continues to list the accounts on credit profile which is a violation of the Fair Credit Reporting Act section 605b, 609, 611. These negative accounts are having a significant, damaging impact on my current financial status an impeding the process of my purchasing a new home. I expect Experian to delete the following accounts from my credit file immediately since they have received the proper documentation supporting my claim. 
1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX
Consumer complaint received 2022-09-26
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. (CT)

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 Bank Account XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX  XXXX Account number XXXX has violated my rights. 

XXXX Account number XXXX, has violated my rights. 

XXXX XXXX Bank Account 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.

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 2022-04-07
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: Central Portfolio Control Inc. (GA)

On XX/XX/2022. I noticed an unusual report on my credit report. And because of that, I lost almost 31 points on my credit score. A company called XXXX XXXX XXXX XXXX, also going by the name Central Portfolio Control showed up on my report for collections with a balance of {$2300.00}. Not only I have never heard of that company before, but I also never contracted that balance with any company.
Consumer complaint received 2021-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (MO)

I went to sleep with {$10.00} in my account Friday XX/XX/2021 and woke up with a balance of - {$64.00} on XX/XX/2021, every time the bank does posting at night, my money is missing from my account. Also I dont have overdraft protect, so my card should decline ever transaction in which I go over balance. I believe this bank is selecting which transactions to post in an order in which it overdrafts my account then still charges me overdraft fees but not posting them on the app so the I can see those fees. Lets just call them ( Hidden fees ) because they hide these from me and I know they are still doing it. I called and I am told Im not being charged, but this is not true. Please help me! You can even keep 25 percent of whatever money you find on my behalf. 

XXXX XXXX
Consumer complaint received 2022-10-08
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-19
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. (MO)

XX/XX/2023 Hello, This my final warning that have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

XXXX I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX XXXX Equifax XXXX XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I made a mobile deposit for {$1400.00}. I had access to {$460.00} and the remaining {$1000.00} would be made accessible 7 days later. On XX/XX/XXXX Wells Fargo charged me {$100.00} worth of overdraft fees ( 3 x {$35.00} ) then again on XX/XX/XXXX, and two on XX/XX/XXXX all for {$35.00}. I called Wells Fargo on XX/XX/XXXX and they told me there was nothing they could do. I would not have overdrafted if they didn't hold 2/3rds of my paycheck. Half of the time, Wells Fargo would have just rejected payment for the fees as they are scheduled bill transactions. I thought I set up so that the transactions would have been declined not paid and overdraft fees initiated.
Consumer complaint received 2019-03-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (WY)

Long story short, I almost passed away last year due to XXXX complications, resulting in massive medical bills and financial hardships to my family. Freedom Mortgage put us in foreclosure. 
XX/XX/2019 we had the house under contract, I submitted and called Freedom to ensure they were informed. I also contacted VA loans and provided BOTH with the contract. 
Freedom denied any further paperwork from me. XX/XX/2019 I called Freedom and their attorneys to ensure all paperwork was there to cancel the auction for XX/XX/2019. 
XXXX XXXX had no indication we had a contract, after more than the 48 hours Freedom had to report. I emailed the contract to XXXX and contacted Freedom in which they stated they needed more paperwork that they never contacted myself or my husband to get. The listing and HUD. The listing was sent XX/XX/2019 and the HUD will take 48 per the title holders requirements. 
Freedom is very much aware of this process and failed to disclose. 
Freedom told the VA that they have to approve our short sale. This is NOT a short sale and they are aware. We owe XXXX and the contract is for XXXX. Freedom is stalling and failing to disclose the needed information. They have chosen to force us for approval of short sale when legally this is absurd. We are not selling for less by any means! 
This home is under contract and the buyers loan is already approved. Freedom can not legally stall or fail to inform us of what's needed for their own gain. It's unacceptable and unethical. They need to be held to the standards as everyone else. 

Attached is the listing and contract for sale.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The credit bureaus have over XXXX variations of my name collectively. I have never used any other names to secure credit except my legal name. In the history of my credit my report should only reflect XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have not used any other names and would like to have my credit file updated. Within the XXXX  months that name variation increased on my XXXX.
Consumer complaint received 2018-12-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CO)

I have $ XXXX in student loans, which primarily paid for a XXXX XXXX in a field I cant work in. My XXXX is in computer systems security, and I have a charge on my record for hacking. Due to this, Im unemployable with that education. I tried applying for forgiveness, under the fact that it is non-beneficial and should have been guided elsewhere to a different degree program, but they refused to work with me on it. In addition, I tried applying for temporary financial hardship, and it was denied, even after providing proof of my income being much lower than I used to make. The interest seems to be going up more than the payments I need to make, So it feels like a never ending story. Im currently paying out of pocket to attend XXXX XXXX XXXX College, just to delay paying the loans back as long as Im going to school. I have no other option.