davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
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. (NC)

XXXX ; XXXX and Transunion are incorrectly reporting duplicate XXXX XXXX on the following accounts : XXXX XXXX XXXX {$140.00} ECU XXXX XXXX {$140.00} XXXX   XXXX XXXX {$140.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$210.00} XXXX   XXXX XXXX {$250.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} ( Please see pages 23, 24, 25 , 26, and 27 of the attached credit report, along with a spreadsheet with the duplicate accounts. ) This incorrect reporting of duplicate collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove these items however, I have not been successful.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been going back and forth with XXXX  since the spring of 2019 regarding incorrect information on my credit card. I met with a financial counselor and was surprised to see that I had no credit despite having my XXXX  credit card for a few years. We looked deeper into the situation and learned with XXXX   that the social security number on file for my account was incorrect. I followed the protocol with XXXX  and submitted all of the information required to correct this. On XX/XX/2019 I even received a letter from XXXX  stating that everything was received I followed up with a phone call and they informed me the information would be updated in 10 days and its been over 10 weeks since.
Consumer complaint received 2019-08-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

i have owned my home for 20 years and shellpoint mortgage just bought my mortgage in XX/XX/XXXX from XXXX XXXX. They wont take any payments from me and files for foreclosure. I was in a bankruptcy chapter XXXX from XXXX to XXXX and paid double payments of {$980.00}. My mortgage was XXXX and i paid {$430.00} a month for 13 years, and i paid XXXX for 5 years. At the end of the bankruptcy XXXX said I was making wrong payment and was still behind. I paid over XXXX in 5 years. So thats impossible, and now till me i owe XXXX, thats more then i even started with. XXXX added XXXX to my mortgage in the bankruptcy and now shellpoint is doing it. In reality I should only owe about {$35000.00} left on my mortgage. My bankruptcy was handled wrong and Im being overcharged completely for somthing I didnt do. I paid what the Judge told me to and never had a problem paying my mortgage. I am not on XXXX and connot work but I do recieve ssi of XXXX a month. I stopped working in XXXX and went from making XXXX to XXXX a year.XXXX XXXX XXXX said I owed XXXX in XXXX and I paid XXXX from XXXX to XXXX in chapter XXXX plus I made payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and then XXXX stated I was declined for modification. I need help, my mortgage is being handled wrong and so was my chapter XXXX. I dont want to lose my home. Can you help me?
Consumer complaint received 2019-08-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (SC)

IMPORTANT : THIS IS NOT A NEW COMPLAINT. INSTEAD THIS IS CONSUMER WANTING TO AMEND THE RECORD THAT THE PRIOR CFPB COMPLAINT # XXXX ( WHICH IS CLOSED AND UNABLE TO BE AMENDED ) HAS BEEN 100 % RESOLVED BY THE LENDER, GOLDEN VALLEY LENDING. 

Approximately 1 week ago, I was contacted by XXXX XXXX who is VP of Compliance for Golden Valley Lending. 

From our first conversation approximately 1 week ago, Mr. XXXX was very professional and allowed me to share in detail my complaint. He kept me up to date as he conducted research regarding my loan. 

Yesterday, just as Mr. XXXX had said would occur my checking account received the exact amount of money that had been my original concern. As the Customer, I feel satisfied and am happy to have this matter be fully closed. 

I very much wanted the CFPB record to reflect that Golden Valley Lending, thanks to the persistent follow up and efforts by Mr. XXXX, did step up and have my appreciation for doing the right thing to resolve this matter completely. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

I requested annual free credit report on XX/XX/XXXX and only Equifax couldn't provide the report online. 

I logged in to their " myequifax.com '' and discovered that my current address in Equifax 's file is XXXX year old formal address. Incorrect current address denied access to annual free credit report. 

Frustrating fact is that I disputed this decade old formal address on XX/XX/XXXX, XXXX and Equifax closed dispute by correcting it on XX/XX/XXXX. 

It is XX/XX/XXXX and their latest credit report still has old address. 
It also indicating that previous requested credit report in print is sent to that old address to a stranger as well. 

Equifax lost my and my spouse 's private information in XXXX along with millions of other customers. Equifax apparently still do not manage these precious confidential information well or care enough to do so. 

I called in again today, XX/XX/XXXX over 30minutes on the phone to correct the address and even placed fraud alert to be alerted, the representative was very polite and professional but I didn't have to spend extra time and concern over this issue over and over again.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

In XX/XX/XXXX I rented an apartment at XXXX XXXX XXXX XXXX located in XXXX, Florida. In XX/XX/XXXX after obtaining my credit report I learned XXXX XXXX XXXX XXXX claimed that I owed them {$3700.00}. I learned that XXXX XXXX XXXX XXXX sold the debt to I.Q. Data International. Inc. a notorious collection agency. I also learned the debt had increased to XXXX. As of today the debt is {$4200.00} ( see derogatory_mark.jpg ) On XX/XX/XXXX I mailed I.Q. Data International. Inc. a registered letter, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate '' the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see uploaded iq_data_letter.pdf ). Then again on XX/XX/XXXX I mailed I.Q. Data International. Inc. the same letter ( by registered mail ) that I mailed to them on XX/XX/XXXX. I mailed the registered letter to two known I.Q. Data International. Inc. known addresses. 

Sometime in XX/XX/XXXX the registered letter that I mailed to I.Q. Data International. Inc. on XX/XX/XXXX was returned to me unopened with a sticker attached reading, Return To Sender In Dispute Unable To Forward. On or about XX/XX/XXXX one of the two letters that I mailed to I.Q. Data International, Inc. on XX/XX/XXXX was returned to me unopened with a sticker attached reading, Return To Sender In Dispute Unable To Forward. I know for a fact that all my letters were delivered, received and signed for by a I.Q. Data International , Inc. representative because USPS enables clients to track and verify registered letters are received and signed for ( see IMG_4072.jpg )
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

XXXX. I saw the charges for the incremental withdrawal of funds all made on XXXX XXXX for the amount of {$6900.00}. 

XXXX. I called in the claim that day ( XX/XX/XXXX at around XXXX XXXX ) XXXX. Claim person stated that it seems that my digital wallet was compromised. Because of this I was instructed and walked through updating my online account with a new username and password. 

XXXX. The bank then issued me a new debit card and I received the email confirmation for this at XXXX on the XXXX. 

XXXX. Bank then put the money back into my account XXXX. Two weeks later on XX/XX/XXXX the bank took the money out of my account without explanation. Had I not checked my bank account, I would have never known it was denied. There was no prior notification. 

XXXX. I only learned at this point the importance of making a police report. No one from Chase even suggested that this is an important step. Therefore, I did report this to the XXXX XXXX police department on XX/XX/XXXX, reference number and report attached. I would not have filed a false report knowing the severe criminal consequences in doing so. 

XXXX. I was then verbally told in person on XX/XX/XXXX by XXXX XXXX ( Assistant VP of Private Client Banker ) that my claim was denied because it was purchased with XXXX XXXX. I made XXXX aware of the police report and he seemed ambivalent. He did not show any interest at all in obtaining a copy. 

XXXX. An appeal was processed ( without my having not yet requesting it ) and again was told via phone call from XXXX from the escalation department that the claim was again denied and it was their final decision. 

XXXX. I told the bank that I do not have XXXX XXXX. I have an XXXX and I pay via XXXX XXXX. I have never ever had a XXXX phone or XXXX pay app. My XXXX bills are attached with my device type and phone number circled. When you XXXX  it, multiple sources confirm that a user can not have XXXX pay on XXXX or XXXX Devices ( see attached document ). I told them this many times and no one got it. They refused to understand the logic that you can not use XXXX pay on an XXXX  device. 

XXXX. I also mentioned that initially it was thought that my digital wallet was compromised. Obviously this person mentioned in point # XXXX above, understood this was a clear case of identity theft. 


Questions : XXXX. Shouldn't denials of claims be in writing? 

XXXX. Shouldn't I have gotten all the information ( e.g., copies, data, etc. ) of everything the bank is using to deny my claim? 

XXXX. Shouldn't the bank have contacted the merchant to get " their side of the story ''? ( If they can not identify the merchant, how can they deny my claim without having done that? )
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Wallet stolen. 
Cash advanced made a several banks over a few days totaling over {$15.00} thousand no text, message, email received from USAA VISA asking if charges correct. Affidavit and police report submitted. XXXX XXXX calling me a criminal and that charges are my responsibility. I am victim of identity theft. Results of USSA has caused my credit report to tank. USAA has called my for XXXX demanding payment of fraudulent charges. No effort to check video of cash advances to prove it was not me. Unable to resolve through phone conversation and email communication and through mail to XXXX XXXX. 
Need your help
Consumer complaint received 2023-03-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MI)

I have tried to work with Sallie Mae, I fell very sick in Fall of XXXX. Continued to decline in XXXX of XXXX and began receiving treatment at XXXX XXXX. I was still in school trying to attend my classes virtually all while dealing with my sickness. Prior to XXXX I was a healthy college athlete on an XXXX and XXXX XXXX at my university. In XXXX of XXXX my care was transferred from XXXX XXXX XXXX XXXX XXXX, whom I am currently under their care. I am still in and out of the hospital every month, trying to get better. I have called Sallie Mae several times, in which they told me the only thing they can do is put me in a repayment plan of {$350.00} a month. I am not working, my parents are covering my extreme medical bills, and I can not afford this! I explained that to them, as well as my mother. She even told them if they could do {$100.00} a month, she would try to find a way to pay that despite all of my medical bills that they are paying for me. I am going back to college in Fall of this year. I did not lose my XXXX or XXXX XXXX. Sallie Mae did not want to work with me. I explained my financial situation along with the fact that I am going back in the fall, coupled with the fact I am not losing my scholarships either. They told there is no way they can help me despite my current medical situation other than paying the large sum of {$350.00} a month. This is discriminatory as I can't help my medical situation, but if I die the debt is no longer there.
Consumer complaint received 2019-08-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TD BANK US HOLDING COMPANY (CT)

Most importantly, I am not debating or concerned about the denial. 

I called TD Auto Finance to get some clarification about terms used within their letter. They refused and directed me to a third party who had nothing to do with the letter. 

The representative then verified with her supervisor that TD Finance would not be able to discuss the letter with me. 

Contradicting that information is the statement in the letter itself, " If you have any questions regarding this notice you should contact us at the above address TD Auto Finance, XXXX. XXXX XXXX, XXXX XXXX, MI XXXX.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (TX)

DIVERSIFIED CONSULTANTS ARE REPORTING AN UNPAID XXXX  XXXX XXXX BILL FOR AN UN RETURNED CABLE BOX. THIS IS NOT CORRECT THE BOX WAS RETURNED AND THE ACCOUNT WAS PAID TO XXXX. MY CONFIRMATION NUMBER IS XXXX. I SPOKE WITH EMPLOYEE XXXX AT XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (CA)

I noticed that moneylion had not been deducting the payments I had set up with them. I navigated their site and I couldn't find a payment portal, so I emailed them 4 times and I tried calling to no avail. ( this is a common complain that can be found online with other customers as well ). The hold time on the phone is long and then an operator comes on and says they're busy and tells you to call back later. I also emailed them requesting that they deduct the balance due from my bank account. I emailed them a total of four times. Also, I had my payments setup for automatic deduction, why did it stop? Yesterday, XX/XX/19 I I recieved an online notification that my Moneylion account is delinquent. This is very frustrating. Moneylion also went back and changed my payment history, all the way to XXXX, as delinquent. Although they had been automatically deducing payments from my account. Then in XXXX, for some odd reason, they stopped. They haven't returned any of my emails to rectify this situation. I am requesting that someone from Moneylion get in contact with me so I can pay my balance off and also Moneylion should correct my account to the credit bureaus as not delinquent.
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Kansas, Inc. (KS)

I had a ticket that was issued back in XX/XX/XXXX from XXXX XXXX court for the amount of {$1600.00} it went unpaid so the court sold my debt to a collection agency who happens to be XXXX XXXX XXXX. He and his company has been garnishing my checks even taking my state income tax return in XX/XX/XXXX {$820.00}, and XX/XX/XXXX {$330.00}. He has taken well over the ticket amount which was XXXX. I have wrote letters/emails to him and also contacted my employer and it won't stop nor will the company speak with me. The company will not give a reason why they have taken over 3,000.00 and the ticket was only XXXX. I called XXXX XXXX and was told that the ticket has yet to be paid off. This company has taken over 3,000.00 and counting from me.
Consumer complaint received 2019-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

In XX/XX/2017 someone living in XXXX opened a credit one card for {$400.00} using my social security number. I do not nor have I ever lived in XXXX. Credit one bank has the email and ip address of the person who opened it neither belong to me. They have since sold the account to XXXX XXXX XXXX. I tried to dispute this online because I thought anyone who looked into it would see that I have multiple credit cards that are always paid on time with much higher limits. Also I have never lived in XXXX. Now there is 2 negative accounts on my credit report. Credit one for {$400.00}, and Midland funding for {$830.00} that are both the result of identity theft. I have filed a police report that is attached.
Consumer complaint received 2019-08-22
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: EQUIFAX, INC. (CA)

Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-08-22
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: Experian Information Solutions Inc. (MI)

i have never been late on any accounts. i have set up auto pay since the beginning of the lease. XXXX XXXX was completely not reporting the month of XX/XX/XXXX, marked XX/XX/XXXX, XX/XX/XXXX, as late payments. in the month of XX/XX/XXXX, they updated there report showing XX/XX/XXXX as completely not reporting. and they changed the months late to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as late. this doesn't make sense. i have bank statement showing they pull and always have on the XX/XX/XXXX of every month. i want this account to show paid as agreed on all the months or completely removed from my credit file. the erroneous reporting of inaccurate information has impacting my loan abilities, my mortgage and car insurance.
Consumer complaint received 2019-08-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been declined credit based on bankruptcy information being reported by XXXX XXXX XXXX at XXXX. The bankruptcy was removed from credit reports on XXXX of XXXX. I have been submitting disputes and request to XXXX XXXX to remove information in the remarks section of the credit trade line ( REAFFIRMATION OF DEBT CH XXXX ) or remove account from credit report, since the account was closed over 6 years ago and and they refused. The information from XXXX XXXX XXXX shows as 'Reaffirmation ' of a vehicle loan that was paid in full/on time in XX/XX/XXXX under the original loan terms. Personnel at transunion and XXXX advise that the 'Reaffirmation of DEBT CH XXXX ' Comments/Remarks should have been removed by XXXX XXXX XXXX XXXX and clearly indicates information that was purged on XX/XX/XXXX in XXXX. and personnel at XXXX, Transunion and XXXX advise that XXXX XXXX XXXX is responsible for removal of the inaccurate information and that the existence of the word 'Reaffirmation CHXXXX ' is always indicative of a bankruptcy ; in this case, a bankruptcy that was removed from all Credit bureaus and tangential references since XX/XX/XXXX. This is the only line of credit that is reporting this information all credit lines regarding information of Bankruptcy has been purged or removed from credit reports. This remarks is hindering my ability to get better credit and creating a hardship for employment purposes.
Consumer complaint received 2019-08-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

On XX/XX/2019 I used my Western Union App to send {$100.00} ( XXXX XXXX  Baht ) to my wife who needed it to take our daughter to hospital for XXXX fever. When she went to pick up the money she was told to refer me to an email that they had sent which stated that the money would not be available until XX/XX/2019. When I called to inquire why my money was being held they blamed my bank. When I checked my bank they informed me that the money was removed by WU at XXXX XX/XX/XXXX, which means WU instead of honoring my money in minutes option, they waited fifteen hours to begin the transfer. When I tried to speak to supervisors at WU they either hung up on me or refused to answer their phones when My call was transferred. 
I am sure that this is part of a much larger conspiracy to keep peoples money so WU can earn interest. 
I will never use the App again, because even though out of twenty transfers this is the first time WU borrowed my money for a week, you never know when the algorithm that they are using to select victims will choose you again.
Consumer complaint received 2022-11-27
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. (KY)

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights : XXXX XXXX XXXX XXXX, Account # # # # # # # # # # # # # XXXX has violated my rights. 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This account is violating my Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. I did not know, or authorize my medical information be disclosed to anyone for any reason.