davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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. (PA)

I sent a certified letter delivered to the credit bureau on XX/XX/2020. To date, these items are still listed on my credit report and I have received no proof of investigation from this credit bureau. It's been over 30 days and the only send me a document saying verified but have never sent proof of investigation and continue to ignore my inquiries.
Consumer complaint received 2023-02-11
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. (LA)

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. 

XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, and 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST NATIONAL BANK OF OMAHA (MI)

The COVID-19 cares act states 1. Late or missed payments CAN NOT be reported if I have an arrangement has already been made. 
2.If your account is delinquent and a agreement is made a creditor can not report you has more delinquent. 

The FCRA states 1. late payments must follow the 30,60,90 flow FNBO are in violation of my consumer rights and not following the cares act law. I enrolled in the forbearance program XX/XX/21. This bank has reported XXXX, XXXX & XXXX as late payments even thought they were not late. FNBO auto drafted these {$25.00} payments each month on time. They are also reporting to the credit bureaus three 30 day late payments instead of 30,60,90 which is also against the law. The reason they are doing this is to attempt to hide the fact they are not following the cares act law. They have continued to report me as more delinquent with late payments after my enrollment.
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NJ)

On XX/XX/XXXX I received a call from the Tax Collectors office regarding the past due property taxes for tax year XXXX, after visiting the local clerks office trying to schedule a property inspection for XX/XX/XXXX in order to obtain a rental permit. 

The countXXXX TAX office advised that they could not move forward with scheduling my inspection, until property taxes were paid. 

Called the Mortgage Company ( Homepoint ) same day XX/XX/XXXX, inquiring why the taxes had not been paid since they were included in my escrow. 

The agent whom I spoke with proceeded to tell my taxes had been paid to XXXX XXXX, in the meantime my property is in NJ XXXX XXXX. 

As if this alone was not a problem the issue was further compounded by the fact that the mortgage company raised my original monthly payment from {$2100.00} to {$4800.00}, based on the fact that the taxes on the property were wroughtly XXXX per year. 

In the meantime not only did they pay the wrong town they also have wrong information about the yearly tax, the property in question based on the Tax office and the most recent Tax bill pays {$5700.00} in yearly taxes. 

Homepoint has been contacted on several occasions, I have spoken to several agents, gotten bits and pieces, been promissed of a call back with a resolution yet here we are almost 2 weeks to the day and there is no solution. 

Agents codes whom I spoken with are : XXXX, XXXX, XXXX XXXX  and XXXX. 

There is also a person by the name of XXXX who I have yet to speak with that was to call me back with a resolution. 

If you would like to discuss this complaint further please call me at XXXX, I need help!
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2022-04-08
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: TRUIST FINANCIAL CORPORATION (GA)

Purchased a table from XXXX XXXX XXXX in the Fall of XXXX. Received the table damaged in XXXX XXXX XXXX. Called XXXX XXXX XXXX  to return the table they told me it wasnt an option. 

Called Truist to dispute the charge. Received the credit. 

XXXX XXXX  XXXX I get a call from XXXX XXXX XXXX asking why I disputed the charge. After I told them it was because when I tried returning it they told me it wasnt possible they informed me that theyll now accept the return. They came and picked it up. 

A few weeks later Truist puts the charge back on to my account and wont let me reopen or file a new dispute. Ive called over XXXX times; emailed the evidence of the return. Even spoke with managers at local branches. Nothing is being done. They always tell me the choice is up to a department that can not be contacted.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Transform Credit Inc. (GA)

Im reporting Transform Credit Inc . I never opened a loan with them and I sent a dispute with XXXX and they say that transform will remain in my credit and like I said I never opened anything with them and they are charging my credit card every month I want them removed this is fraud and Ive dealt with fraud in the past I dont want to go through this again because someone else can be using my identity this is very frustrating
Consumer complaint received 2022-05-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Transunion : Acct # XXXX {$1200.00} XXXX : Acct # XXXX {$1200.00} XXXX XXXX Acct # # # # # # XXXX {$1200.00} XXXX  XXXX XXXX XXXX XXXX Acct # # # # # # # XXXX {$370.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-04
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. (GA)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I have talked with each of the creditors and each of them have tried to force a payment for debts that are not mine. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2022-07-11
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. (PA)

In accordance with the Fair Credit Reporting act XXXX # 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

Chase bank close my account with {$1500.00} still in it refuses to give me the {$1500.00} but yet says its still drawn interest on the {$1500.00} so its probably about XXXX now and they told me I had to wait three years for them to complete their investigation. Is that how it got into my account because the front sent it through where he works for a birthday present back in XXXX  And I still refused to give me
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

XX/XX/XXXX made payment of XXXX, i realized XXXX applied to the 12 or 24 month interest free purchases, not to 6 month interest free ending in XXXX XX/XX/XXXX made payment of XXXX same problem applied to 24 month interest free XX/XX/XXXX talked to representative, was told that's how they do it unless state it when i make a payment and to talk to a representative through live chat or on phone.. 
so i made a payment of XXXX with same representative as above and he said would be put towards the 6 month interest free and would have the XX/XX/XXXX and XXXX payments reversed in the next 24 to 48 hours. 

Mid XXXX around XXXX called XXXX since nothing was adjusted, was told that change can take until next billing cycle XXXX XX/XX/XXXX XXXX XX/XX/XXXX or XXXX talked to representative make a payment of XXXX requesting put to 6month financing not 24 or 12 month financing promotions that i have, person said not a problem asked about payments from XXXX XXXX XXXX was told they can see in system the request was made to re apply to 6 month programs.. 

XX/XX/XXXX payment of XXXX was applied to the 12 and 24 month promotions not 6 months interest free promotions.. 

XX/XX/XXXX talked to representative, same story will put in request to re apply XXXX payment,, I stated to XXXX rep that if happens again and all XXXX payments not XXXX applied by next billing cycle i would file a report to the FTC XX/XX/XXXX Account showed the XXXX payment was re applied properly,, still nothing from payments made XX/XX/XXXX XXXX XXXX, XX/XX/XXXX a payment of XXXX with a XXXX representative to be applied to 6 month interest free programs, said not a problem .. 

XX/XX/XXXX payment of XXXX was applied to the 24 month interest free program XX/XX/XXXX talked to representative about AGAIN payment miss applied was told will be corrected in 24 to 48 hours XX/XX/XXXX statement closed looked at statement and the payments from the XXXX XXXX and XXXX have not yet been re applied and has been 48 hours and the payment from the XXXX has not been re applied during this i was told the re applying of payments could take 24 to 48 hours, then told XXXX to XXXX business day, then told next billing cycle, then last time on the XXXX i was told 24 to 48 hours ONLY when i brought up the FTC on the XXXX THEN was the XXXX payment made on XX/XX/XXXX XXXX applied XXXX 24 hours )
Consumer complaint received 2021-11-22
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)

XXXXThis is not a duplicate complaint*********** On XXXX I sent a certified letter to XXXX, enclosed was a Notarized Affidavit of XXXX and my request for Method of Verification of debt. XXXX responded with a copy of XXXX XXXX XXXX. They never rebutted my affidavit, nor did they provide me with the XXXX of XXXX. In my affidavit I stated that XXXX a natural person and the original creditor. See attached Theyve never rebutted my affidavit of truth that stated XXXX the original creditor nor responded to my request of XXXX of XXXX. Theyve only responded with a copy of the promissory Note. They did not provide the XXXX contents of Validation of debt per 15 U.S. Code 1692g ( a ), specifically the name and address of the ORIGINAL CREDITOR, if different from the current creditor. Notice, it is a fact, an UNREBUTTED AFFIDAVIT STANDS AS TRUTH - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Notice, it is a fact, I, the affiant, is the consumer and original creditor, this alleged debt is not Valid. Notice, it is a fact, I, the affiant, is a consumer and a natural person in accordance with 15 U.S. Code 1692a ( 3 ) Notice, it is a fact, pursuant to 15 U.S. Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 5 ), a debt is any obligation or alleged obligation. Notice, it is a fact, nothing within the subsection of 15 U.S. Code 1692g ( a ), validates a debt. This section of the FDCPA simply states a requirement of the debt collector to deliver, to I the consumer and affiant, in the process of validating a debt. No debt has been validated, and I have never admitted any liability of this alleged debt in the past and I do not claim liability now. No proof of claim can be validated without the requested information in the affidavit herein is provided to the affiant.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX sued me with out serving me any paper work. Had no idea i was being sued. Got multiple calls a day from diffrent numbers never left one voice mail. None of the phone numbers showed up as XXXX.
Consumer complaint received 2020-09-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: WELLS FARGO & COMPANY (IA)

I have a had XXXX XXXX XXXX since XXXX. I paid it off in XXXX and was sent the vehicle title. My wife and I moved 2 years ago and I can not locate the original title. 
I sent in the form for a replacement title to the Treasurer of XXXX County Iowa along with a check for {$25.00}. I received a letter back saying that there was an open lien with ( Wells Fargo Financial XXXX XXXX XXXX ) and they would need to release the lien. 
I tried to contact Wells Fargo and when I did I was told that Wells Fargo Financial didn't exist anymore it was now part of Wells Fargo. They Transferred me to Wells Fargo XXXX which is also being absorbed by Wells Fargo. When I supplied them with my information ie my SSN I was told they had no record of me in their system. They transferred me back to Wells Fargo customer service. No body there cold help and I was told to go into a local branch to see if someone there could assist me? I tried to set up a meeting online per their guidelines. I was given a number of drop down options as to what my meeting was about but non of them matched the topic. So I had to click on ( other ) which took me back to the same customer service number I originally called. I've gone through this several times and keep getting the same result. I don't feel like anyone at Wells Fargo is very interested in helping me resolve this issue for a 22 year old vehicle? 

No lien shows in any of my credit reports. I paid for a car history report and it shows the transfer of title to me in XXXX and no active lien on the vehicle I'm not sure what else I can do? 
I have someone who wants to purchase the vehicle, but I need a replacement title before I sell. 

I can provide the car history report if you would like to see this? The VIN on the car is : XXXX
Consumer complaint received 2021-10-01
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: TD BANK US HOLDING COMPANY (VA)

As described in multiple phone calls and a detailed letter to TD Bank, someone who had stolen my credit card information purchased a laptop computer from XXXX XXXX, charging {$950.00} to my credit card with TD Bank. When I received an email from XXXX XXXX on XX/XX/2021, that the laptop was ready to be picked up, I immediately called TD Bank and notified them of the fraudulent charge. They canceled the credit card number and sent me a new one. I asked them whether I needed to call XXXX XXXX, and I was told that TD Bank would take care of that. In a letter dated XX/XX/2021, which I received by regular mail several days later ( I XXXX XXXX XXXX on XX/XX/XXXX, so I may not have picked up my mail immediately ), TD Bank told me they were closing the dispute they opened on XX/XX/XXXX, because the item had shipped to my home. This was not true, as the information TD Bank had received from XXXX XXXX established : it said that two free items that were supposedly shipped to my home ( I ever received anything ), not the laptop computer, which was picked up at the XXXX VA store, about a two hour drive from my home in XXXX. I followed up with repeated calls to TD Bank to explain this. TD Bank has created more than barriers to communication. They have created barricades to communication. When I and my father have called, repeatedly, we have been told that a request to reopen the investigation has been submitted, that we can't talk to the investigators who make the decision whether to reopen the dispute, that a supervisor will call us back ( none has ), and that the dispute is closed so we have to pay the full credit card bill ( due tomorrow ; of course, we are willing to pay the credit card bill except for the fraudulent charge for the laptop computer ). We asked for a street address so we could send a complaint and confirm receipt ( we wanted to confirm receipt because TD Bank 's attention to this matter has been sporadic and unhelpful ). We were given a post office box and a facsimile number, and were told there is no street address where we can send the complaint by XXXX XXXX ( none is listed on the credit card agreement or the credit card, either ). We attach the letter we sent, providing more details. At this stage, all we are asking for is that the dispute be reopened so that we are not liable to pay the charge or to be assessed interest charges.