davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I had a settlement accepted by my mortgage company in XXXX and have gone through bankruptcy filed in XXXX completed XXXX XXXX Payments in XXXX. I have refinanced my same property in XXXX. I have had letters stating that the original HELOC loan has been closed as of XX/XX/XXXX. 
And yet, I received a letter XX/XX/XXXX from Specialized Loan servicing stating that I am delinquent on my same property. I called and was told by phone that SLS has placed a lien on my same property. I have not received any communication about this until the letter dated XX/XX/XXXX. I should not have a lien placed on my property per my records.
Consumer complaint received 2022-07-18
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. (GA)

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Consumer complaint received 2022-09-16
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. (TX)

CRAs reporting innaccurate and incomplete information on my credit. I reported the notation of the following late payments not consistentt and did not recieve proof of such claimm or any physical evidence accounts came back verified. 

" Treatment of innaccurate and unverifiable data '' if after any reinvestigation under paragraph 1 of any information disputed by customer an item of the information is found to be innaccurate or inncomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX  XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX  LATE PAYMENT XXXX {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY XXXX XXXX {$14000.00} Balance updated XX/XX/XXXX INQUIRIES- XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX BANK XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRIES - Transunion XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX date XXXX XXXX, XXXX XXXX Inquiry date XXXX XXXX, XXXX
Consumer complaint received 2022-06-07
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. (VA)

ln accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX 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 : it also states a consumer reporting agency can not fumish a account without my written nstructions
Consumer complaint received 2022-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello I contacted the Main company that allowed someone to apply for credit which cause XXXX XXXX XXXX XXXX CA to run my credit with over 20 different companies on XX/XX/XXXX. I spoke with the General Manager of XXXX XXXX XXXX XXXX CA dealership XXXX XXXX, and he did apologize and admits this was done in error, however these inquires remain on my report. I contacted each creditor and they were rude and not willing to take action in removing these inquires on my credit report that were all done on same day XX/XX/XXXX. In the result this has caused my credit score to drop and preventing me from having excellent credit. Below is a list of the companies that I have inquiries. 
XXXX XXXX Capital One Auto 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
Consumer complaint received 2022-07-17
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. (CA)

On or about XX/XX/2017 Court : US Bankruptcy Court XXXX CA XXXX # XXXX was reported to a Credit Reporting Agency without my knowledge or permission. I have requested for this information to be removed for several years now with no resolution.

In accordance with the Fair Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2020-06-25
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: BARCLAYS BANK DELAWARE (CA)

XXXX of XXXX I contacted Barclay 's Carnival Master Card points department to ascertain how much money toward a cruise my points equaled.

I was informed that my points were worth double the amount for a XXXX   XXXX  than any other cruise line. 

After researching XXXX  XXXX lines and not finding the cruise I wished to take, I contacted the points department again to see how much points equaled on a XXXX XXXX line cruise. 

I was informed that I would receive the same as I would on a XXXXl XXXX   and given the amount of {$4500.00} and some dollars. 

I booked the cruise and took the cruise in XX/XX/XXXX. 

When I attempted to redeem the points toward the cruise amount charged on the Barclays Mastercard, I was told I would only receive approximately {$2200.00}, not the {$4500.00} I had been promised. 

I made several calls to the company ( and was placed on hold for several minutes, up to 45 minutes in one instance ) in an attempt to resolve the matter. Several times I was told that the recording of my call ( s ) would be listened to and that I would receive the credit amount promised to men by their representative. 

After doing everything the company had asked, there was an " investigation '' that found that even though a review of the phone call they had recorded did indeed support my claim that I had been told I would receive the {$4500.00} in credit, they were not going to award me that amount. 

I asked for an appeal. The company representative and I also agreed that I would not be charged interest or late fees on the disputed amount. 

After a couple of months, the company did put delinquencies on my account for several months for the disputed amount. I realized this when I noticed that my credit rating had dropped precipitously from over 800 points to as low as XXXX I spoke to the company and late charges and interest were removed but not the delinquencies. 

Now, I am applying for a mortgage and my credit report shows serious delinquencies which may affect the mortgage interest rate I am able to get.

So, not only did I not get the entire credit amount that had been promised me prior to the cruise, I had my credit score demolished despite the company having a recording of every conversation I had with them which verified that I had been promised a points credit of {$4500.00}. 

I want the erroneous charge of serious delinquencies removed from my credit report.
Consumer complaint received 2022-07-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

After a long credit/debt relationship, hardship came and forbearance request granted but then cancelled by " creditor '' without consent of " creditee. '' Account was sent to collections. Debt validation request sent by " creditee '' XX/XX/XXXX which was denied by BOA and remains unanswered. " Creditee '' has not heard from nor had any communications from " creditor '' since sending validation request letter. 

On XX/XX/XXXX " creditee '' received a summons complaint, being made defendant on account stated complaint. " Creditee '' still awaits proof of original consideration, loss, as paid from claimant, " creditor '' accounting.
Consumer complaint received 2022-07-18
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. (GA)

I have tried contacting XXXX XXXX  several times and the 1st few times I couldn't get far because I don't have an account number or credit card that the automated system is asking me for. I don't have this because I don't have a card to even have an account number. I finally found away to speak to a live person, on to find it was like an answering service. She took my information and my complaint and stated she would give the information to the company because the issuer of the card is an internet bank or something to that wording. I never heard from them. 

I have disputed this item many time with the 3 major credit bureaus. It always comes back verified. Like I've stated above, I've never used a card from them, applied for credit, authorized anyone to put me on as an authorized user etc .... it is damaging my credit and I want it off. It also looks like the closed the account and reopened a second account. Once again without any permission from me.
Consumer complaint received 2022-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (IA)

I financed a XXXX XXXX XXXX in XXXX of XXXX and last week while driving the car just completely shut off while driving on the highway in the middle of the night with no warnings. I get the car towed to a dealership the following day only to be informed that the motor had went out and that this was a known issue for this make a model vehicle. I contacted XXXX and Santander only to be told there's nothing any of them can do for me and that I'd have to pay over XXXX XXXX  to get the motor replace. There's no way in XXXX that consumers should be punished for defective vehicles with well known issues or for any issues for that matter for defects that are beyond our control. I refuse to pay for something I didn't do and I'm exploring all of my options allowed under the law to put a stop to this. I will not be punished and forced to come up with money I don't have to fix something I didn't cause. This is ridiculous. I will be going to the FTC and Attorney Genral and whoever else I need to go to to get this matter resolved.
Consumer complaint received 2022-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (NY)

Called Aidvantage in XX/XX/XXXX to request a refund of the payments made from XX/XX/XXXX to now. I was told they could statt the refund process and that it would take 4-6 weeks to recieve a refund from thble US Treasury department XXXX I asked if there would be any confirmation number and was told none would be provided, but that I could call back in a few days to see if my request had been submitted. I waited until XXXX to call back and confirm. I was told that they could see my request and that it was still awaiting approval. On XX/XX/XXXX, I made a complaint on the federal student aide website. The complaint was forwarded to aidvantage. Aidvantage emailed to state they are investigating my complaint. However, I find it completely unreasonable for my request still to be pending approval nearly 3 weeks later. I have seen no changes on any of my accounts to reflect the request. And feel that there is no way to truly hold aidvantage accountable to their timeline given the fact that no confirmation or reference numbers for the calls were given.
Consumer complaint received 2022-07-17
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. (TX)

Your company failed to respond within 30 days to a letter i sent out about suspicious activity on my credit report. im requesting these items be verified ( and send the method of verification to me ) or removed immediately.
Consumer complaint received 2023-03-18
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. Below are all the inquiries that need to be removed from my credit report along with addresses. I have only one address and one telephone number which XXXX XXXX XXXX, CA XXXX and my telephone number is XXXX. 

Below are the unauthorized inquiries. 

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 Below are the addresses that need to be removed. 

XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

This is a follow up to a dispute I created with Consumer Financial Protrction ( Complaint : XXXX ) because my case was closed prematurely. 

There was unauthorized wire transfers from my account on XX/XX/22 for {$5100.00} and on XX/XX/22 for {$42000.00}. I opened a dispute/recall of the wire transfers on XX/XX/22 with Chase. I was supposed to receive an affidavit by mail, I called Chase on XX/XX/22, XX/XX/22 and on XX/XX/22 to follow up on the affidavit, Chase simply replied that their back offices send out affidavits by regular mail and this process could not be expedited. 

I took all necessary steps that Chase recommended to secure my accounts including closing the accounts, opening new accounts, creating new online ID, password, ordering new checks, and replacing the debit cards. 

On XX/XX/22, I received an updated through Consumer Financial Protection that my case has been closed by Chase and resolved because I did not fill out the affidavit. Chase attached the letter and affidavit with the case decision. This was the first time that I saw the affidavit. Chase did not even email or mail me the letter directly. I saw this letter only because they attached it to the complaint. I immediately filled out the affidavit on XX/XX/22 and had the local branch send the affidavit on XX/XX/22 to the appropriate office. 

There is absolutely no follow up to my case, every time I call Chase, no one can give me steps being taking to resolve the matter and recoup my funds.
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Thank you in advance. Last year I opened a credit card with Union Bank. I know of one location on XXXX XXXX XXXX. in XXXX XXXX, California. In XXXX of 2020 I received a statement for the {$49.00} yearly fee. Since I no longer needed this card I called up to cancel the card on XX/XX/XXXX. This is way before the statement due date of XX/XX/XXXX. The following month I received another statement for same amount. This was on XX/XX/XXXX. They claim I still need to pay it, even though I cancelled the card. I asked to speak to a supervisor. They said one would call me back within 3 business days. That never happened so I called them today XX/XX/XXXX. I was able to speak to a supervisor named XXXX employee # XXXX. She said she would file a complaint on her end. I have no faith in this bank now. I feel I should not have to pay the yearly fee since I cancelled the card and will not be using it. Thank you.
Consumer complaint received 2020-06-25
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: EQUIFAX, INC. (WA)

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX 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 need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.