davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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. (FL)

To Whom It May Concern : I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. 
Since I never gave permission for anyone to inquire about my Credit Status, they are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 
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 XXXXXX/XX/XXXX As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years , or both.

This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties.
Consumer complaint received 2024-12-02
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: South River Mortgage, LLC (FL)

I chose to not do my reverse mortgage with South River Mortgage and doing one with XXXX XXXX XXXX XXXX  in XXXX Florida. XXXX XXXX who is helping me requested the FHA case number assigned to an appraisal South River had done. XXXX contacted XXXX XXXX with South River and requested the FHA case number, don't need the appraisal, just the case number so we can continue with the reverse mortgage. XXXX is not responding to XXXX XXXX @ XXXX XXXX XXXX or my request.
Consumer complaint received 2021-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I am submitting this complaint because XXXX has not corrected my inaccurate payment count for PSLF. 

I graduated from law school in XX/XX/XXXX and began public service employment in XX/XX/XXXX. My 2 Direct Loans that were consolidated on XX/XX/XXXX, with income-based payments beginning in XX/XX/XXXX. All of my employment since XX/XX/XXXX has been PSLF qualifying employment, and I remain in public service. These are the three outstanding issues with my PSLF payment count : First, under ineligible payments, it still shows that 6 of my payments for the subsidized loan - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - and 4 payments for the unsubsidized loan - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - because they were allegedly received " outside the payment window, '' but that does not make sense because my payments have been on auto pay and have always been due the XXXX, which is the date they were paid. 

Second, for both loans, it says " you did not have a bill due for this payment period '' for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I have one consolidated payment for both loans and I made a payment on XX/XX/XXXX and XX/XX/XXXX, which should both count for the XX/XX/XXXX and XX/XX/XXXX payments since they are within 15 days of the payment due date. I am reattaching my student loan history, please see pages 5-6 and page 10. 

Third, I was on income-based zero payments from XXXX as a result of my XXXX service. During those years, my loans were with XXXX XXXX XXXX. None of these payments are accounted for or showing up in my history in any way. I am supposed to receive credit for nearly 2 years of these XXXX payments - I intentionally signed up for income-based payments during these years for PSLF purposes- but they are not being added to my count. 

I have been in public service for over 11 years and have been making following the income-based repayment requirements throughout that time- please help me get the payments credited. Thank you for your assistance.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, a Saturday, I agreed to a {$1.00} charge on my Visa account ( Chase Bank ) to purchase a report I needed for my genealogy work. Within seconds I received a text from Chase Fraud asking whether a charge for over {$18.00} was fraudulent or not. I answered Yes because I had agreed to {$1.00} not {$18.00}. In response to my " Yes '' I was informed that my account was now closed and a new credit card would be sent to me.

I did not authorize them to close my account and when I was asked by text whether the charge was fraudulent or not, they did not inform me that this is what they would do.

I expected that Chase would block that specific charge but leave my account open.

I immediately phoned the company ( Public Records ) and asked them to reverse the {$18.00} charge. They did and I have confirmation of that. 

I phoned Visa/Chase and also attempted numerous ways to contact them by internet to ask that my account be reinstated. The phone tree and computer systems led to the answer that I needed to contact them M - F because they were otherwise closed. I phoned again and waited for over two hours on hold and then their representative said they could not do anything about this. They said I would have to wait for the new card, there was no alternative. 

As you can imagine, it is hugely inconvenient to have to change credit card numbers. I was not asked whether I wanted this to happen and I was not informed that the account would be closed. It feels like fraud on the part of Visa/Chase to me.
Consumer complaint received 2020-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I lived in XXXX XXXX XXXX XXXX XXXX XXXX, wa XXXX from XX/XX/XXXX to XX/XX/XXXX. at the time that I had to move out I owe the landlord absolutely nothing I asked him to help me move my furniture into my storage to the fact that I was a single mom and couldn't lift them myself and he was the only one that I knew with the truck he refused assistance then when I moved out he dumped the furniture and charged me {$2400.00} for dumping fees and 10 hours of cleaning fees as a self-employed business owner of a house cleaning business I know for a fact that I left that apartment which was under 500 square feet one bedroom intact with normal wear and tear and very clean stove fridge and oven he has outrageously charged me as well as other tenants that he has forced to move out I was asked to leave and didn't want to risk having an eviction on my record so I went ahead and left then he charged me {$2400.00} in XXXX which wasn't even put on my credit until XXXX and now I'm being charged {$3200.00} which is just like an eviction in the eyes of other apartments owners so it is XXXX me in the end being a single mom with a child and XXXX XXXX XXXX student I am I unable to acquire stable housing and can not be approved for an apartment I've been homeless since the day I was asked to leave and he refused to renew my lease after four and a half years of residency stability and safety for my child from ages XXXX XXXX old to XXXX and a XXXX  years old she knew nothing else as home.
Consumer complaint received 2022-08-20
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, IL XX/XX/2021 XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2020-05-02
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. (AR)

Transunion, Experian, and Equifax all reporting a credit card negatively. XXXX XXXX XXXX Bank ending in XXXX in the amount of {$920.00}. 
Transunion has XXXX credit inquires. None are mine, Equifax fixed the inquires on there report but Experian and Transunion are reporting incorrect/fraudulently made inquires still. 
Equifax reporting Negative/Collection account in the amount of {$1900.00} from original XXXX XXXX opened before I was even legal age of XXXX. XX/XX/2016 2016
Consumer complaint received 2020-05-03
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. (NY)

My XXXX XXXX and experian report are showing an XXXX XXXX account number XXXX shows a 30 day late payment from XX/XX/2017. This is a mistake as I have documentation from XXXX XXXX showing this late payment has been corrected and REMOVED. 
I am attaching my XXXX and experian report and letter from XXXX XXXX.
Consumer complaint received 2021-07-06
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. (CO)

My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX is a fraudulent company. That loan is paid off. I had to refinance to get rid of them.They hold checks until the account is overdue and have their collectors call and threaten me. Then, toward the end of the month they apply the check to the account. It happened twice to me. I always paid on time and this report they gave of me being over 60 days on a loan is false. I had a credit score of XXXX and they have driven it down under XXXX for the first time in many years. Check my real credit history without XXXX XXXX. This company should be investigated and shut down. I would be glad to testify to the true nature of this shameful company.
Consumer complaint received 2021-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (WI)

XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX XX/XX/21 CITIBANK XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX South Dakota XXXX Dear CitiBank : Re : ( # XXXX ) On ( XX/XX/21 ), I ( opened a promotional account {$400.00} bonus for XXXX for 60days ) a ( through an online account ) Unfortunately, ( or service ) has not performed well, inadequate honestly terrible because ( says we can not give you the money due to coronavirus DEPOSIT was 2-3days late ). I am disappointed because I had delays in the mail receiving my account infomation, checkbooks, ie. I have contacted you customer service via chat, the service was not performed correctly, never got a response on YOUR PROMISE. You have it, you promise it, if they're delays due to pandemics I expect a HUGE reliable bank to fix immediate instead of draw out this foolery. I was billed the wrong amount now Im being billed {$24.00} A DAY something was not disclosed clearly or was misrepresented, etc. ) Which in this was fixed and account closed and resolved. 

To resolve the problem, I would appreciate your send me the {$400.00} check you promised. 

I look forward to your reply and a resolution to my problem and will wait until XXXX a ) before seeking help from a consumer protection agency or XXXX XXXX XXXX. Please contact me at the above address or by phone at ( home and/or office numbers with area code ). 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-02
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. (NV)

I've been reaching out to the credit agencies about false reporting on my credit profile these past years. There is a bankruptcy filing item on my credit report that doesn't belong to me as i've never filed bankruptcy, ever. Overtime I disputed the item as fraud and inaccurate, XXXX  completed their investigation and did their job in removing this item in a span of 30days, quicktime, as they should have. But both Transunion and XXXX  seem to insist that they have validation/verification of such filing from 3rd party vendors in XXXX and the Bk Courthouse. Well i infact have been disputing with them as well on this matter and they have both ruled investigations in my favor, through mail correspondence. XXXX has explained they could not validate or verify such information belonged to me so they removed any bankruptcy filing information that was previously attached to my name out of their database. And the Bankruptcy Courthouse themselves, who would be the ones who originated such filing, have emphatically stated they could not locate such docket # filing. And they've stated this kind of verification or validation is not what they do at all, it is not their responsibility to validate or verify any public recording with credit agencies. Public record information is NEVER validated by U.S court systems due to the Fair Credit Reporting Agency Law of PRIVACY! So all of these verification/validation response letters to my dispute from both transunion and XXXX  have been false and illegal. This is unfair business practicing on consumers, I am puzzled that this is happening and sad to know that i am surely only 1 of millions victimize to such false reportings.
Consumer complaint received 2022-08-20
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. (IL)

I have reviewed my credit file and noticed multiple inaccuracies on my report. I do not consent to this inaccurate consumer reporting. I, XXXX XXXX, am a natural person, and am submitting this dispute on my behalf.
Consumer complaint received 2022-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (MO)

Company is claiming I owe debt I never heard of, received mail on XX/XX/2022, I have disputed debt online and with a letter from your site. There is no way to verify any of the information I have never had any loan with a company they are claiming I had a loan with. This is a scam. Company name Debt Recovery Solutions , LLC.
Consumer complaint received 2021-10-01
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: Porsche Financial Services, Inc. (TX)

I paid off my car lease with Porsche Financial services and closed my account. XXXX credit reporting agency is still reporting my account open with a balance. I have disputed this matter twice with XXXX and they keep reporting my report incorrectly. It should say closed with a XXXX balance. I have provided a letter from Porsche Financial confirming my closed account
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (TX)

My wife and I put {$100.00} deposit down on a hotel in XXXX, TX XX/XX/2020 we stayed until XX/XX/2020, and have since contacted the hotel to see if our deposit was kept for some reason their response being " no, we released it after the maid picked up. '' We we're informed it usually takes 3-5business days to be returned, but it's going on a month now and we've still have yet to receive our deposit refund. I have e-mailed, called to talk to a ( real representative ), but am always told No one can speak with me due to the Covid19 virus. I am very frustrated and personally very anger with the way Paypal prepaid/ netspend is handling this, so I would just like our money to be returned because we're not in a financial state, nor is anyone else for that matter currently. Thank you for your time and I look Forward to hearing from you. Email:XXXX Mobile : ( XXXX ) XXXX Sincerely, Mr. XXXX XXXX
Consumer complaint received 2020-05-02
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED NINE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Consumer complaint received 2020-05-03
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: TOYOTA MOTOR CREDIT CORPORATION (VA)

This account was closed in XX/XX/2017 by Toyota Motor Credit. So my questions is how can account that is closed be reporting 30 days late. I have submitted a copy of the payment history.
Consumer complaint received 2020-05-02
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: DISCOVER BANK (NJ)

To Whom It May Concern, I got letter dated XX/XX/2020 in the mail which I just saw onXX/XX/2020 will show you guys the picture as well. Saying I applied for either credit card or debit card or something with discover. However this is inaccurate and not authorized by me. I am unsure how this all came about. I am not looking for any credit cards or new banks at this time. I am asking if this can kindly be removed as this is not mine and I never authorized it or signed for anything. No idea how it all happened. Thank you for understanding.
Consumer complaint received 2021-09-15
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: JPMORGAN CHASE & CO. (HI)

On XX/XX/2021 My car was broken into and the glove compartment where I had locked my wallet was damaged and then my entire wallet taken. My drivers license, debit card, multiple credit cards and care documents were also taken. I immediately called Chase to report my card stolen and disputed the fraudulent charges. Chase locked my card and issued another one to me. A couple days later these charged were cleared and I was relieved. Then a couple weeks later, the amount ( almost $ 3k ) had mysteriously posted to my account again! I called chase, spoke to their fraud department team and they had no problem reversing the charges once again. Now a month later, the same charges have posted AGAIN!!!!!!!! I can't express the frustration I've experienced with Chase. I've spoken with customer service and the fraud department and nobody has answers except that they'll open ANOTHER claim. This time around, I have sent a copy of the police report any my drivers license ( which shows that the date issued was about 2 weeks after the incident occurred for proof ). I'm still awaiting yet another resolution from Chase, but this is not what I expected from such a major financial institution. Only when I threatened a civil lawsuit did they transfer me to a supervisor. I love the chase sapphire preferred card I have and the rewards that are associated, but this reoccurring situation and Chase XXXX XXXX XXXX is absolutely unacceptable. I'm surprised at the lack of customer service and communication within Chase internally. By law, I should be covered but Chase seems to think otherwise and I'm prepared to take the next actions I need to, to justify that I was a victim of fraudulent activity. To advertise 100 % protection against fraud and then completely disregard that major security aspect is a complete fail from this financial institution.