davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I financed a vehicle with XXXX XXXX company in XXXX of XXXX. At the time of the purchase I also elected to get GAP insurance. The vehicle was covered with full coverage insurance and GAP. In XXXX of XXXX the vehicle was totaled. I was told at the time of the collision my account would be " FROZEN '' pending all payments from my insurance and GAP company. After all of those payments were issued I called in to see if there was any balance left behind. I was then told if I not make an immediate payment they would be charging my account off and reporting it as late since the last payment was made. I think it is unlawful for them to fictitiously and retroactively change my payment history to manipulate me in paying a sum of money. All calls were on a recorded line, and if demanded will corroborate my complaint.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am unable to pull my Transunion credit report or FICO score and have never been able to access it. When trying to create an account, I get a notice from Transunion saying that they are unable to confirm my identity. I have called three times only to be told that this issue is my bank 's fault and that it is due to how they are reporting my information. This is false because I have two credit cards from two different banks ( XXXX and XXXX  ) and two student loans from two different agencies. When I called them and asked, I was told they have no information for anyone with my name, social security, and address. 

I am able to pull my credit report from XXXX  and XXXX, indicating that my information is being reported correctly by my banking institutions. For some reason, my information got lost at Transunion and they are refusing to help me. I have tried opening an investigation through one of my banks, which came up inconclusive on their end.
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

IP address : XXXX geolocated at XXXX XXXX XXXX XXXX hacked into my XXXX account and charged my Chase Sapphire Reserve Credit Card ending in XXXX ( This card number was replaced because of the fraud ) for a total amount of {$6500.00} through XXXX XXXX charges. I have never purchased anything through XXXX XXXX and did not notice the transactions until later in the month and reported it to XXXX. They then told me to report the fraud to Chase which I did. Chase originally removed the charges and then contacted XXXX but XXXX has refused to take responsibility for the fraud even though I have an email from them stating they closed my XXXX account due to the fraud. I feel as though Chase has not advocated on my behalf and basically says I have to deal with the fraud amount even though I did not do the charges and are claiming I benefited from the charges even though they can clearly see the IP address does not belong to me or my spouse and is in an entirely different city. I appealed Chases decision multiple times and have got denied each time because they say XXXX is the one who has to take responsibility. I dont feel this is fair to me because regardless of HOW the charges ended up on my account, they were fraud and as a company who prides themselves on their fraud protection they should have noticed the abnormal charges and stoped them right away or informed me of them so I could have prevented so many charges from happening. I have filed a police report against the fraud and IP address where the charges came from but I dont know where to go from here because I can not afford to pay for {$6000.00} worth of charges that I did not do. I need help and has an individual person I myself do not stand a chance against such a large company as chase or XXXX.
Consumer complaint received 2020-05-13
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. (LA)

Transunion is knowingly reporting a fraudulent items masquerading as accounts on my credit file. I have provided police reports identity theft affidavits. No real investigation was done. Cushman vs transunion. The credit reporting agencies can not merely parrot information they have to conduct a reasonable investigation to insure the honesty and integrity of that investigation. They would have found out this item was fraudulent and there are no contracts
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called TransUnion in XXXX to freeze my credit report, the person on the phone took my credit card number and " helped me out '' putting a freeze my account and then manually purchased a subscription to your service. 

I have been charged every month! I don't need free credit score reports! 

I NEVER ASKED OR REQUESTED THIS SERVICE. 

I know that they need to meet a sales quota but this is shady! 

It has been really hard to get in touch with anyone from Customer Service.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (MD)

Had a Wells Fargo Credit Card for several years always in good standing. 
My Credit Limit was XXXX and as stated an older account with XXXX balance. With no warning they closed my account. 
For several stupid reasons ... .everyone I talked too was different. 
This had an adverse affect on my credit score! 
I have found this to be common practice and needs to be addressed.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

AT THE LAST MONTH I AM CALLING DIALY IN AN ATTEMPT TO GET A HOLD OF A LIVE CUSTOMER SERVICE. BUT UNFORTUNATELY, ALL MY ATTEMPTS WERE UNSUCCESSFUL. I AM ALSO NOT ABLE TO CREATE AN ONLINE ACCOUNT WITH EXPERIAN IN ORDER TO DISPUTE A FEW CREDIT ERROR. 

THANK YOU XXXX XXXX XXXX
Consumer complaint received 2020-05-13
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. (NY)

As of today XX/XX/2020 Experian is reporting an in accurate, Unverifiable, misleading, inconsistent account onto my consumer profile.a violation of FCRA rules section 1681. 

Account name : ( XXXX XXXX XXXX XXXX  ) : Currently this account is being reported as verified & updated by Experian, while account reports no credit limit, no balance. A violation of FCRA rules section 1681. 

: Currently this account is being reported as updated and verified but still doesn't report last date of activity. A violation of FCRA rules section 1681. 

: Currently this account reports no date of last payment made. A violation of FCRA rules section 1681. 

: Currently this account doesn't report if Account was sold. A violation of FCRA rules section 1681. 

: Currently this account doesn't report terms of agreement. A violation of FCRA rules section 1681. 

: Account doesn't report date closed. A violation of FCRA rules. 

: Account doesn't report date Account was charged off. A violation of FCRA rules. 

: Account doesn't report type of account. A violation of FCRA rules. 

: Account does not appear on either XXXX  or XXXX  inconsistent reporting a violation of FCRA rules. Section 1681
Consumer complaint received 2020-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (NY)

On XX/XX/XXXX was at a car dealership to purchase a vehicle for my daughter and initiated a loan for the vehicle with intention to pay loan in full upon the first statement being received. The original loan amount was {$16000.00} which apparently accrued interest even though I did not receive my first statement on/about XX/XX/XXXX. I called the institution, M & T on XX/XX/XXXX and spoke to a XXXX and then a Supervisor XXXX advising I would like to pay the original loan amount off and if the accrued interest on the loan by waived. I explained I didn't have an account number or phone number to call as the car dealership did not provide my with any information about paying the loan off in full. The Supervisor asked when I would be making payment on the original loan amount and I told her that day ( XX/XX/XXXX or XX/XX/XXXX ). I made payment for loan on XX/XX/XXXX, making two payments which was received by M & T Bank on XX/XX/XXXX. I went to M & T website on XX/XX/XXXX to see if my balance was XXXX and saw there was still a balance of {$99.00}. I called M & T Bank on XX/XX/XXXX and spoke to a XXXX  who told me that a decision on my original request back on XX/XX/XXXX couldn't be made because payment had not been received. She put in another request with their back office and advised I should call back on Friday, XX/XX/XXXX. I then spoke to a Supervisor XXXX who wasn't very helpful. He advised that I signed a contract acknowledging interest would accrue on the account and it was my obligation. I advised I made payment immediately after speaking with Supervisor back on XX/XX/XXXX and don't understand why I have to make a 2nd request to have any accrued interest waived. Supervisor XXXX told me interest will continue to accrue until payment is made even when I call back on Friday XX/XX/XXXX to find out if my request is approved or not. Considering we have been in a pandemic ( COVID19 ) for the last 2 1/2 months and most banks have drive up service only it is very hard to try to go into a branch and  speak to someone. Had I not gone online to check my balance I wouldn't have known my original request to have the accrued interest waived was not approved or decision couldn't be made because they claim payment had not been received ( which it was, 4 days after speaking to Supervisor on XX/XX/XXXX or XX/XX/XXXX ).
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Tried and thought we were approved for the deferment online. The website stated we were approved. One week later they sold our loan and stated our next month payment was due to the new company. I received an email asking to pay the current months bill but the website said I was approved for the deferment and we had a new mortgage company so I ignored the email. I have never been late and when I saw that they reported it to the credit companies they stated in a chat that others thought they were in deferment too and they ended the chat. I called and they said they couldnt fix the reporting and basically sorry about your luck. This is complete nonsense in a time like this!!!
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

On XXXX filed a complaint with PNC Bank that unauthorized checks were cashed by a XXXX XXXX ON DATES XXXX XXXX. A POLICE REPORT WAS FILED IN BOTH XXXX WHERE I LIVE AND IN GEORGIA WHERE MY SON XXXX XXXX XXXX LIVES. THE bANK REFUSED TO REFUND MONIES STATING WE WERE A FEW DAYS LATE NOTIFYING THEM. PRIOR TO THIS, I HAD XXXX XXXX XXXX ON XX/XX/XXXX XXXX '. FOLLOWING THAT XXXX  MY HOME WAS HIT BY A TRUCK AND WAS DETERMINED TO BE UNLIVABLE. FOR A YEAR, I LOST EVERYTHING AND HAD TO MOVE INTO TEMPORARY HOUSING TILL XXXX OF THE FOLLOWING YEAR AND SOMEHOW I DIDNT CATCH IMMEDIATELY. I HAVE ALL DOCUMENTATION.EVERYTHING. THIS YEAR IT OCCURED TO ME THAT MAYBE I SHOULDNT HAVE TAKEN THEIR ANSWER AS FINAL BUT IN ALL HONESTY I WAS PRETTY BEATEN DOWN AT THE TIME, I THINK PROVEN FRAUD SHOULD BE UNACCEPTABLE ESPECIALLY WHEN THE POLICE SOLVED THE CASE. I WANT MY MONEY BACK. IT'S THERE FAULT. THEY DID NOT PROTECT MY FUNDS ENTRUSTED TO THEM. ITS LIKE BEING ROBBED TWICE. CAN FORWARD DOCUMENTATION
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have has an issue with all 3 Credit bureaus that have reported information on my credit that are very false I have over 32 inquires one my account due to false information from identity theft and I want it removed it has brought my score down major and Im not even 25 with all of this false information on my credit XXXX XXXX has recently removed certain information Im thankful for that but majority of the inquires still stands I have multiple inquires from companies that I have never done business with from fraud behavior intended on getting goods that I knew nothing about at all. PLEASE REMOVE THIS INFORMATION I have never dealt with or has any association with these companies
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

On XX/XX/2020, Governor XXXX of California shut down the state and ALL NON-ESSENTIAL workers were order to stay home until XX/XX/XXXX due to COVID-19 pandemic. I am a XXXX XXXX and we are consider non-essential. My building where I lease a salon suite , closed the building until stay home orders are lifted. All my wages depends solely on clientele. Once I lost wages and was unable to receive unemployment, I was unable to pay my Macy 's Store credit card due XX/XX/2020 in the amount of {$60.00}. On XX/XX/XXXX, I called Macy 's to enroll me in the Relief program for customers whose jobs have ben affected by the COVID-19 pandemic and if my late payment was reported, if it was could he revered it. He said he couldn't see if it was on reported and that I have would to look on my credit report. Today, I see that Macys has reported " late payment '' on my credit report, which is utterly disgusting to do during a pandemic when we are all struggling to survive, keep our family safe and are forced to stay home relying on a tumultuous government. I am on public  assistance now and EDD just allowed sole proprietors to apply for benefits in XX/XX/XXXX. I would like this inaccurate " late payment '' removed. Thank you.
Consumer complaint received 2020-05-12
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (WI)

On XX/XX/2018, my wife suffered a XXXX XXXX XXXX in her XXXX XXXX  in XXXX, TX. We called XXXX given our XXXX  to safely XXXX XXXX The first responders were the volunteer local XXXX team, and they assisted in moving her from the back of the house into an ambulance. Shortly thereafter, the paramedic team from the town of XXXX, approximately 30 minutes away, arrived. It was their assessment that she had a likely leg fracture requiring XXXX  consultation, and they informed me that no XXXX   consultation was available at the hospital. This confirmed what our family in the local area had indicated. The paramedic staff also indicated to me that she should be transferred to a XXXX XXXX in XXXX XXXX and that the only safe way to get her there was by helicopter. I deferred to their judgement for the medical necessity of this transport. Of note, my wife has XXXX XXXX with a history of XXXX on the XXXX XXXX and with that she has both motor and sensory dysfunction of that extremity. She was in XXXX XXXX not simply because of her XXXX, but also because she was having XXXX XXXX of her XXXX  causing her XXXX  to pull directly on the XXXX. 

My health insurance refused to pay the XXXX bill for {$54000.00} on XX/XX/2018. Within a few months I responded to appeal. On appeal, XXXX, the insurance company, reviewed the records in detail and paid XXXX {$12000.00}, which is the customary amount for ground transportation, indicating in the explanation of benefits that the patient responsibility should be {$150.00}. 

They then began balance billing us for the remainder. We used our XXXX  employee benefit to hire an attorney, who sent XXXX and cease and desist order regarding the balance billing, but they haven't continued to bill us and submitted it to a credit collection agency, which has led to a damaging item on my wife 's credit report, which is impacting our ability to obtain a mortgage. 

We had no role in the medical decision by the providers at the scene to recommend air transport. The insurance company subsequently determined that ground transportation would have been adequate and therefore have only paid that amount. XXXX is now coming to us to pay for what the medical providers have said was necessary at the scene but our insurance company wouldn't pay.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-05-13
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. (OH)

XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inaccuracies on all three Credit Bureaus on date of last payment and not reporting accurate information. Information is pulled from credit reports on XX/XX/20 from all credit bureau 's. Transunion, XXXX  and XXXX  for XXXX XXXX listed as XXXX XXXX XXXX. Loan has been payed off and XXXX  who last reported in XX/XX/XXXX still has not updated the accurate information.
Consumer complaint received 2020-05-13
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: AES/PHEAA (TX)

I see several 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-05-13
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (VA)

Today I contacted Receivables Management Systems and made a payment in full for two accounts totaling close to {$250.00}. I asked for a pay for deletion and was told to send a written request. I noticed that amount reporting is {$31.00}. I called back to see why the balance was reporting was only {$31.00} with the bureaus and was told that they were not sure and there was no pay for deletion. I am not working due to COVID-19 and used some of my stimulus money to pay the balance. I wanted to pay what was due but was misrepresented with the incorrect balance and information. Furthermore my Hippa rights have been violated.
Consumer complaint received 2020-09-08
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: CITIBANK, N.A. (TX)

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2010 with a balance of {$4500.00}.