davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
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. (KY)

Back in XXXX, XXXX, I learned that XXXX XXXX XXXX  was reporting that I was delinquent on my mortgage in XXXX and XXXX of XXXX. That was not possible since I sold my house on XX/XX/XXXX. I called them to find out what the issue was. They stated that they did not receive the payment. This is also incorrect as I have a copy of the wire transfer date to the company which was dated XX/XX/XXXX @ XXXX EST. This information was provided to me by the closing attorney. I have called several times requesting to speak with a manager. I called last month and spoke with XXXX. I called today and spoke with XXXX. They both told me that a manager would call me and I never received a call nor has anyone left a message for a call back. I need them to reflect the correct information on my credit report. They need to remove the two late payments which are hindering me from securing a mortgage loan.
Consumer complaint received 2021-03-24
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: OneMain Finance Corporation (VA)

There are several inquiries on my report that I do not recognize. I am certain this is fraud related as I have already put a security freeze on one of my reports from the credit bureau in hopes to stop this from happening over and over again
Consumer complaint received 2022-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Grain Technology, Inc. (GA)

Two months ago ( XXXX XXXX ) I submitted a request to Grain 's support ( Ticket XXXX ) asking for helping changing my attached bank account as I was closing my XXXX XXXX account and did not want disruption in my Grain account relative to payments. No one ever got back to me on this ticket. In XX/XX/2022, I submitted a request to close the Grain account ( Ticket XXXX ). No one ever got back to me on this ticket.2 Weeks ago I submitted another ticket XXXX to close this account. A response was provided I needed to pay the balance ( {$360.00} ) in order to close the account. However I am not able to make a payment unless I connect to a new bank account which is not allowed online nor in app. It can only be accomplished by support tickets which remain ineffective. Today I see that I have been charged a late fee and additional interest due to missing the last payment. I have trying for over 2 months to pay this account in full. I want this late payment removed from all credit bureaus and I want to be able to pay the balance and close the account. I actually liked Grain. Its been very helpful in helping me build up my credit. However their customer service/support is inadequate. I very badly need to be able to pay this account off and close it and they are making this task impossible. I submitted 2 more tickets today ( XXXX and XXXX ) requesting assistance in linking to a new bank and closing this account. I will even mail in a cashier 's check. I just need to be able to close this account and it shouldn't take XXXX plus months to do it.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Creditors Bureau Associates (GA)

First of all, I do not know who CREDITORS BUREAU ASSOCIATES are, and according to 15 U.S. Code 1681a ( w ) The term Bureau means the Bureau of Consumer Financial Protection, so why are they referring to themselves as a Bureau? Thats deceptive and is a violation of 15 U.S. Code 1692e - False or misleading representations. They put a make-believe false account number on this letter they sent me but I do not have a contract with them. 

Furthermore, these people are in violation of 15 U.S. Code 1681b ( 2 ). I have not given them written permission to put anything on my consumer report. And I did not give them permission to mail me letters to my address.

And Further, CREDITORS BUREAU ASSOCIATES is in violation of 15 U.S. Code 1681 section 602, 15 U.S. Code 1681 ( a ) ( 4 ) for violating my right to privacy. They have my email address and phone number on this letter they sent me I did not give them that information. 

And further, CREDITORS BUREAU ASSOCIATES is reporting and also sending me letters of inaccurate, incomplete, erroneous and misleading information. They have used profane language which is abuse to me the reader and have harassed and oppressed me. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood. This is a violation of 15 U.S. Code 1692d - Harassment or abuse.

And further, CREDITORS BUREAU ASSOCIATES are in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information. All three of these were violated. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 

And further, CREDITORS BUREAU ASSOCIATES is in violation of 15 U.S. Code 1681s2 ( 9 ) Duty to provide notice of status as medical information furnisher. They did not tell the credit reporting agencies that they are medical information furnishers. 

And further, CREDITORS BUREAU ASSOCIATES got my information without my consent which means identity theft! Their offenses amount to aggravated identity theft pursuant to 18 USC 1028a. They have knowingly transferred, possessed or used without lawful Authority a means of identification of me which is a felony punishable by up to two years of imprisonment in addition to civil liability.
Consumer complaint received 2018-12-14
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. (CA)

Transunion and XXXX show debt by XXXX which is outside the SOL for the state of California.

The SOL for California is 4 years.
Consumer complaint received 2022-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (PA)

I started a Venmo account about XXXX years ago. Over the years I had made a total of five to six transactions on the platform to friends and family. Last year I tried to send money to a friend and a notification popped up that my account was frozen. At the time I didnt think much of it because I figured it had to be a simple fix. At first I came to the conclusion that it must have been related to the new debit card I got and that I had forgot to change it in the platform. When I tired to unfreeze my account using their online portal I learned it had little to do with my card and they transferred me to another department as my account being frozen required a different team. That team explained to me that I have violated their user agreement and that my account has been permanently deactivated. The company would not share with me any reason why due to what they state as a matter of security. Now I am left with a deactivated account for a problem I am unaware of and that I can not fix.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WV)

On XX/XX/XXXX at about XXXX PM I noticed a charge to Remitly in the amount {$2800.00}, I called the number online for Chase bank and told the man that answered it was unauthorized and it was 100 percent fraud. He told me the Fraud Dept was closed and to call them first thing in the morning and suggested I call Remitly at the number listed on the transaction. I did call Remitly and didn't get anywhere, I actually was put on hold for awhile until I hung up, The next morning XX/XX/XXXX, I went to the Chase branch in XXXX XXXX WV and reported it to XXXX XXXX whom called the Fraud Dept herself. I had the debit card in my possession and XXXX XXXX cut it up herself. She stated the bank would be depositing the money back in my account within XXXX hours but it actually took a few days. 
On XX/XX/XXXX I received an email that a message was available to read within my account. It read that Chase was going to remove the {$2800.00} on XX/XX/XXXX that my claim was denied stating their investigation showed I authorized the said amount when clearly I did not. 
On XX/XX/XXXX I called the number on the email and talked to a XXXX XXXX at Chase she informed me If I went to the bank branch and signed some papers and had the bank fax it to her the money wouldn't be taken out and also suggested I file a police report.As soon as I hung up with her, I went to the Chase branch in XXXX XXXX and talked to XXXX XXXX. XXXX XXXX called the XXXX XXXX and argued with them I reported in a timely fashion and they told her their records showed they called my cell phone and I said it was OK. Chase never called my cell phone and talked to me and I have requested the records from that night from the phone company to prove this and will submit them when I receive them. XXXX XXXX said the bank didn't have any such papers to fax and said the Fraud Dept would be mailing me papers for me to dispute their claim. XXXX XXXX also told me I needed to file a police report.So I did go and file a police report when I left the bank. 
I have never received any dispute papers from Chase. All I received was what was emailed to me and I requested a copy of all documents relating to their denial. All it said was due to transactions. I have never sent a wire transfer to anyone or had any business with this company called XXXX. 
On XX/XX/XXXX I stopped by the Chase XXXX in XXXX XXXX to let XXXX XXXX know I filed a police report and she informed me per Chase that she couldn't communicate with me anymore, that I had to call Chase directly. 
Federal Law states I'm not responsible for Fraudulent transactions. I reported the theft to Chase within hours of it happening, reported it to the branch the next day and filed a police report .I want the {$2800.00} that was stolen by Chase replaced back in my checking account immediately.
Consumer complaint received 2023-02-27
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. (MO)

In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX3 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also States a customer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no customer reporting agency may make any customer report containing any of the following items of information any other adverse item of information, other than recorded of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681 as well
Consumer complaint received 2022-04-27
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. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Hello- Thank you! My loans have been discharged but I have been fighting with XXXX about removing XXXX late payments XXXX times in XXXX on my credit report. I was told this would be clear with the discharge. I was in between deferments and at the time I lost my job due to XXXX, I have been writing, emailing and calling since them for assistance. Please help XXXX. I was told these would be removed when my loans were XXXX. 

XXXX was during covid and communication was limited - XXXX did not have my correct information and has not listened to my issue since I have been addressing in since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX - and XXXX stated in previous response that they reached out multiple times but this was a trying time for everyone and I have been begging for these to be removed. 
XXXX individual loans / 120 days past due - I was told they would be removed with the discharge. 
Please help
Consumer complaint received 2022-08-06
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)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX 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 2018-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RSI Enterprises, Inc. (AZ)

On XX/XX/2018 at XXXX we received an automated call from RSI ENTERPRISES requesting a call back to XXXX about a debt collection. At XXXX we called and spoke to operator XXXX to ask for our number removed. Unfortunately she could not pinpoint the number as the automated call did not dial our main numbers
Consumer complaint received 2021-01-26
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. (NY)

I've been attempting to remove fraudulent accounts from my credit report since XXXX 2020. I've mailed multiple sets of letters since then, asking the bureaus to investigate and remove fraudulent accounts. Its been over 200 days into something that is limited to 30 days max and not only are the accounts still reporting on my report, they're not even being investigated as I have received no responses. The first letter was delivered on XX/XX/XXXX2020 per certified mail tracking and the follow up letters were delivered on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. It is surprising that the bureaus are blatantly allowed to disregard the federal law under the FCRA and my rights with no consequences. This is my last plea before I take this to my lawyers and sue for damages.
Consumer complaint received 2022-06-29
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. (RI)

In accordance with the Fair Credit Reporting Act 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

ConvergentXXXX has attempted to collect a debt owed by another individual with the name that I have ( an incredibly common name in the United States ) because that individual lived in the same apartment complex that I lived in more than 15 years after I did ( note, it was a different UNIT in that complex and again, the debt is from a period more than 15 years after I moved out of the apartment complex ). I have tried to explain this to them, but they are basing this solely upon a name. You can not call their number listed on their website or in their communications because it will tell you they are not currently available and hang up on you even during normal business hours ( I have tried numerous times ). 

In response to trying to explain their mistake they simply continue to say they have verified the debt. Again, this is definitely not my debt as I was not living even in the same state at the time, never had an account with the company they are referencing and simply share an incredibly common name with somebody who lived in the same apartment complex ( again different unit though ) 15 years after I did.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I submitted a request to Penny mac in XXXX for a loan modification. This was my first attempt at loss mit and I had a period of unemployment before I started a new job. They immediately denied me for not being eligible until the I had the loan at least 12 months. I called them and they told me to reapply after XX/XX/18. I submitted a request towards the end of last month and they sent me a letter stating they were reviewing it and would reach out for any additional items needed. This is my first home, my first eligible attempt at a loan mod, and my loan was not yet in FCL. XX/XX/18 they sent me a letter with the same denial reason but I have had my loan more than a year and I was following their guidance they gave me in XXXX. I also just received a FCL notice from an attorney dated XX/XX/18 stating my home is now in FCL. It seems like they gave me wrong information in order to put me in a position where they can FCL on my home. Please help me.
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (ND)

My autopay was accidentally removed causing me to miss a payment and incur a late fee. 

I received a letter a few days later stating my revolving limits have been adjusted based on my credit report. 

I immediately notice the account that was late and paid it right away. I previously did not recieve any email or notification the payment needs to be made. 



I have a freeze on soft and hard pulls of my credit. So I dont not authorized for my credit to be reviewed. 

I contacted Citi XX/XX/year> and was told they will waive the fee due to the mistaken but can not do anything about my credit limit. 

I have not missed XXXX payment until this issue and I have been treated unfair.
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP (NM)

I previously submitted a complaint about Rausch Sturm LLP attempting to collect the incorrect amount of debt. On XX/XX/2022 Rausch Sturm LLP sent communication confirming the actual and correct amount of debt owed. They said that, I as the customer only owe XXXX to pay my account in full. 
I have made multiple attempts to contact Rausch Sturm LLP to pay the above amount to settle my account. They refuse to give me access to my account saying it is still in a dispute. No one can answer my questions of how long it will take or offer any solutions. I would like to pay off the account and be done with this company. I have called weekly to ask for updates my account and have not received any helpful information.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

I had online banking now for a while but recently Truist took over and now I can't get anything done. Last time I tried making a payment and it locked my account twice for no reason. Now it locked it again because it says I entered the wrong password. I entered the right password. Then it says I entered the wrong debit card number, when I was entering the right number. It said I had to call their customer service number. I was on hold for an hour and when I reached the customer service person she immediately hung up. Just like last time, they are telling me they can't help me unless I come into the bank.