davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
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 (TX)

I was scammed on Saturday, XX/XX/2021. I immediately reported to American Express that my card from them had been compromised and to stop all charges made that day. I called the police department and filed a report with them on th same day. I called and gave the police report number to American Express and they then told me that I would have to wait on them to investigate. I never heard back from them. I proceeded then to write a letter to them and sent it to 3 different American Express offices. The first was sent to American Express, XXXX. XXXX # XXXX, XXXX XXXX, CA XXXX. The second to American Express Sr. Acct. Exec. 
American Express XXXX XXXX, XXXX XXXX XXXX, New York, XXXX XXXX XXXX. And a third to American Express XXXX XXXX. XXXX # XXXX, XXXX XXXX, TX XXXX. I sent these three letters on the same day Tuesday, XX/XX/2021. On XX/XX/XXXX, I received a letter from American Express stating that the {$400.00} unauthorized charges where credited to my account. Then on Monday, XX/XX/2021 I received a second letter saying to disregard the previous letter on my fraud dispute. My complaint is that it is not fair to say that they would credit my account the unauthorized charges and then turn and renege on what they said they would do. Attached are all documentation.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, I opened a new savings account in an attempt to receive XXXX for every XXXX deposited as an early sign up bonus. The check I deposited was from the liquidation of my trust and addressed to my maiden name. The check was unable to be deposited even though I have been with Capital One prior to being married. Capital One was able to verify my identify/ maiden from account history and still were unable to deposit the check due to policy. Further, they offered no other way to gain access to funds, such as sending in marriage certificate. XXXX case number.
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-22
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. (OR)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to urgently request your assistance in resolving a matter that has been causing me tremendous distress for over a year. A XXXXXXXX XXXX account ( Account Number : XXXX ) has been fraudulently opened in my name and has been negatively affecting my credit report. This account was opened without my consent, and I have already filed a police report ( Report Number : XXXX ) detailing the fraudulent activity. 

Despite my repeated attempts to dispute this account with TransUnion, XXXX, and XXXX, the account remains on my credit report. My previous message regarding this matter has been ignored, causing me additional stress and frustration during an already challenging time. 

The persistence of this fraudulent account on my credit report has severely impacted my life, including my ability to find a place to live. I have previously requested the original contracts for the disputed items but have not received any response. I am now prepared to take legal action to resolve this matter if necessary. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I demand that this fraudulent account be removed from my credit report immediately. If you are unable to provide signed, original contracts correlating to the account in question, you must delete the items from my credit report. 

Once this investigation is complete, I kindly request an updated copy of my credit report. I have been under immense stress dealing with this issue for months, and I ask that you carefully review my case and provide a resolution where this account is deleted from my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt and favorable resolution. 

Sincerely,
Consumer complaint received 2023-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (DC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2022-11-05
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)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX : {$13000.00}
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm making this complain because i notice multiple unauthorized inquiries on my transunion credit report. 

Inquiries include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately.
Consumer complaint received 2021-06-17
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)

I have sent several disputes regarding three accounts associated with my TransUnion thats just plain inaccurate. XXXX is XXXX XXXX XXXX, XXXX XXXX, and XXXX. I have spent my hard eanred money mailing in dispute after dispute with this company. I have been impacted by the negligence because I was not able to obtain credit becasue of those items. Please see attached letters regarding the deletion of these accounts
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Someone tried to open a Bank of America Credit Card in my name using my correct Social Security Number. Bank of America called me to confirm that I had tried to open a new account and I told the bank NO. 

Bank of America gave me the email and phone number of the individual who was trying to Impersonate me and open a credit card under my name. 

The individual who tried to fraud Bank of America using my identity has the following email and phone number. Please try to apprehend this individual ( s ). 

XXXX phone : XXXX Thank You
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX XXXX XXXX  I sent Transunion a letter to get the the validity of the bankruptcy reporting on my credit report. They responded with a letter stating that they verified the information through XXXX XXXX. I went directly to XXXX XXXX to dispute this item and XXXX XXXX could not verify this item, so they deleted it from their own database. 
Then I went back to Transunion on XXXX XXXX XXXX  as well as XX/XX/ and showed them that the bankruptcy had been deleted from XXXX XXXX informing them that if they could not reveal how they verified this item then it needed to be taken off my credit file according to the FCRA. Then of course once again Transunion verified it and refused to delete this bankruptcy. This bankruptcy has impeded my ability to purchase a home especially in the market that we have right now and is causing me to pay thousands more in interest per year as long as it has been on my report. Which has been since about XXXX This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2023-08-08
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. (TN)

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 Collection account from XXXX XXXX with account # XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX. 

I am being denied credit because of XXXX XXXX falsely reporting to Experian and XXXX XXXX.
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NC)

The reason I'm reaching out is due to unable to get help for resolving an issue with the escrow account. This issue starts on XXXX, XXXX when I noticed the mortgage payment will increase on XXXX and shows that they sent a tax disbursement to XXXX XXXX of {$1200.00} for the tax year XXXX. This payment was already made from the title company 's escrow account when we did the closing. I have called the XXXX XXXX department XXXX to check with them about the payment and they confirmed that the received a payment from the title company and they couldn't find a payment from BSI financial services ( the mortgage company ). The XXXX collector department XXXX request a check from the mortgage company to proof the payment, I have tried many different times to get this copy of the check and they can't provide it, only information about the check number and when was cleared but this information is unhelpful since the tax collector office can find any information about this check and they said that if they send a check for tax payment and the taxes were already paid for that year they would have refund it back. I would really appreciate if I can get help on this situation on how I can escalate this problem to get a resolution.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Good Day Sir or Madam I have requested several times that my name and address be updated on all XXXX Credit Bureaus Equifax, XXXX and XXXX Under the Fair Credit Reporting Act ( FCRA ) My report should reflect accurate information I have provided all bureaus with copy of id and bill so my credit report would reflect the correct information. I have no access to receive any correspondence to any addresses listed on my credit report other then the one that is on my id and bill that already been submitted
Consumer complaint received 2022-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

I have for over a year now been in Constant communication with National credit systems about the fraudulent activity they have been permitted to get away with. They are reporting derogatory data to XXXX when THERE HAS NEVER BEEN A CONTRACT between the consumer and this company. Despite even litigation this company continues to harm the consumer.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2022-10-08
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. (OH)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

From XXXX to First week of XX/XX/2022 there is a illegal transaction from my account I didnt noticed because it was small amount everyday I deposited my salary every weekend which is {$800.00} I bought food at supermarket everyday generally I spend my money by food alone until one day I requested a statement of account I was totally shocked almost of my account came XXXX XXXX??? and the initial balance is almost half taken thats I realized someone using my card. I went to TD bank to complain after a few weeks I received a decision and says Theres no error did occurdo you think I am happy that someone using my card not knowing that Im losing my own money I worked very hard for it like a horse then suddenly someone used it for any day anytime. The bank didnt think very brainy the person who did the decision. Very upset I am a single parent trying to survive with no resources from the goverment neither my sons father its hard to live that everything goes up.
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NY)

I have had a car loan with Wells Fargo since XX/XX/XXXX. Since XXXX of XXXX, I have had multiple issues of them stating they have not received payments even though my bank has transferred the money via the Wells Fargo app. In XXXX of XXXX, Wells Fargo changed how they allow payments on their app. I connected my loan information to my bank and paid XXXX car payment. On XX/XX/XXXX, I made a payment and it was received from Wells Fargo. Today, XX/XX/XXXX, I received a letter from Wells Fargo telling me I am 3 months behind and my payment due date is XX/XX/XXXX. I have spoken with Wells Fargo and they stated they will look into it. I have also contacted my bank for further assistance.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

I've been with Experian credit reporting since 2017 and the customer service has been very poor. So, I recently did dispute over the phone, and received an email on XXXX to review the results. When I tried to enter the information ( report number and ID information ), it start to load in the web browser, but the web page is blank. So I logged into my Experian account and tried to from the online using the website but received the following error message " We are currently unable to process your request. 
We've been notified and will actively work on fixing the issue. Please try again later ''. I've spoken to several people over past two days with no one being able to assist. I've been transferred to call centers all around the world ( XXXX, XXXX, XXXX, XXXX ) and they all seem to be working in their own silos. Many of the representatives are rude, and less interested in solving customers problems. The management and leadership of the company seem to be lacking. The management team needs to know that they need be able to provide customer access to their personal data. Would like to escalate this feedback to XXXX XXXX the CEO of the company.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SN SERVICING CORPORATION (PA)

I currently making mortgage payments through SN Servicing Corporation. I had a Chapter XXXX bankruptcy which was discharged however, they refuse to report my payments to the credit bure. I have made several calls asking them about this issue and was advised they would email their manager and see if they can start reporting the information. Two months later and they are still telling me they don't have to report these payments. I was advised that they should report these payments I still owe on this loan. I currently am current on my payments and have a balance of {$47000.00} with a 6.5 % interest rate conventionally loan. Why wouldn't ; they report this to the credit bureau. Can you please help with this issue or advise who I can speak with regarding my concerns.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WI)

On XXXX I called the number on the back of the card to make an automated customized payment. The system overrode my voice and applied my total credit card balance of {$1800.00} when I attempted four times saying I wanted to customize my payment. The automated service then said my payment was applied. I called and asked how much was applied because I didnt authorize any payments at that point. This caused an extreme hardship for my family and I. It took every XXXX I had in my bank account. This caused NSF fees, and I had no money. I could not make payments on my other credit cards as a result I incurred late fees from them. This is an error on their system. It took them 15 min to grab my money but yet they are telling me I need to wait 30 days to get my money back. Depending on who I talk with at Citibank I get different answers as to when Ill expect to see the money back in my account. I was told I would get it back on Saturday XXXX. That never happened. I then was told I wouldnt receive it for 10 days. I still dont have the money in my account. This is extremely devastating to my family and I as this was my payday money. All gone in minutes because of their systems screw up. Their system didnt even verify the amount I was paying. I want Citibank to make this right with me as its been days that we had to go through without money and consequences occurred in our bank account and other issues financially occurred. Nobody was helpful. Not even at the corporate level. The CEO refused to take phone calls ad I tried for two days to get a hold of her. I spent the day yesterday from XXXX XXXX XXXX XXXX XXXX. trying to get my money reimbursed but I did not receive any help. When I called the dispute department they also told me this has happened numerous times before to others. How convenient for Citibank. Somebody needs to do something to stop this from continuing to happen. Because again, this has been devastating and has caused a hardship for my family and I. Which at this time we are still living without any money. They need to be penalized for this.