davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

The payment history states I was late making a payment in XX/XX/XXXX. I made the payment on time called 9+ times to the creditor directly, spoke to XX/XX/XXXX and got it corrected only for it to revert back.
Consumer complaint received 2018-10-30
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. (NY)

The payment history states I was late making a payment in XX/XX/XXXX. I made the payment on time called 9+ times to the creditor directly, spoke to transunion and got it corrected only for it to revert back.
Consumer complaint received 2018-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I have been a customer in good standing with first national bank of Omaha for over 10 years and as of XX/XX/2018, they decreased my credit limit by over {$9000.00} with no viable explanations. This has increased my average balance vs available credit to 53 % and has dropped my score significantly. They cant explain why they have done this but they will not offer a solution. I am a single woman and I am just trying to make ends meet and creditors like this make it hard. I have paid this company on time every month for the past 10 years with only one slow pay which was taken care of immediately.
Consumer complaint received 2018-11-01
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB step and remove the alleged account ATTORNEY GENERAL-XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX**** Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2018-11-01
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB step and remove the alleged accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX I spoke with a XXXX 's representative to pay off may account in full and close my account. I received a letter from XXXX XXXX confirming my account had been closed, per my request. Months later I received a bill for interest on the account and was told by a representative that it was an error and would be removed. For several months I received the same bill and each time was told that it was a mistake and it would be handled with no affect on my credit. Several months later I again contacted them but by e-mail to get their response in writing. I was informed in writing that their mistakes would be removed from my credit report. I still have a mistake on my credit report, showing a late payment occurring in XX/XX/XXXX, which is six months after my account was closed. After at least 6 phone calls and e-mails XXXX 's has not removed this from my credit report and this appears to be a malicious act on their part. Please see all attached documentation from XXXX 's,  including their written promise to clear my credit report. This is negatively affecting my credit.
Consumer complaint received 2018-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

We refinanced our home at the end of XX/XX/XXXX with Freedom Mortgage Corporation. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX which is owned by Freedom Mortgage provided the services for refinancing the new loan and paid the real estate tax on XX/XX/XXXX as part of the closing cost. Also, in XX/XX/XXXX our real estate tax was paid a second time from our new escrow account on XX/XX/XXXX. Our new escrow account immediately went negative for all of XX/XX/XXXX. Not realizing that our account was negative and trusting in good faith that Freedom Mortgage Loan Services was handling our account correctly sent us a Escrow Account Disclosure Statement on XX/XX/XXXX indicating an escrow shortage of thousands of dollars and increased our mortgage to an incredibly large amount to cover the negative balance and the XX/XX/XXXX real estate tax. We have sent a Notice of Error Letter directly to Freedom Mortgage with documentation proving that the real estate tax was paid twice for XX/XX/XXXX and they responded on XX/XX/XXXX verifying that it was paid twice and stated in their letter that a refund can take up to 4 weeks to process. We still have not received a refund 8 weeks later and are still making incredibly large mortgage payments.
Consumer complaint received 2018-10-31
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. (GA)

I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - XXXX Data Breach ) ... 

XXXX XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account )
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NY)

To whom this may concern I have a very big issue and a very big problem With SunTrust bank I believe they are in federal violation, You usually must be notified at least 15 days before your loan servicing is transferred to a new servicer. ( And I wasnt notified ) During a 60-day grace period, you can not be charged a late fee if you mistakenly send your mortgage payment to the old servicer The new servicer can not report to a credit bureau that payments were late. ( they are reporting me to the credit bureaus 3 months late ) the housing act require lenders or servicers to Give proper notification when the loan servicing is going to be sold. If your current servicer plans to sell your loan servicing, you must be notified at least 15 days before the effective date of the transfer unless you received a written transfer notice at settlement. The effective date is when the first mortgage payment is due at the new servicer 's address. 




In XX/XX/XXXX I took out a loan From XXXX XXXX XXXX   And I set up automatic payments with them to make sure that all payments are made Promptly and On time, in XX/XX/XXXX I checked my credit report to take out another loan, And shockingly I have 3 months Late From a bank That I never dealt with I never took a loan from them The name of the bank Is SunTrust bank After I called them to inquire what is going on They explained to me That They took over my loan from XXXX XXXX XXXX Going back XX/XX/XXXX, I did not even know They took over My loan from XXXX, I never got a notice From them That I have to start making payments to them And now They are refusing to remove the derogatory items from my report, SunTrust Was supposed to contact me To make sure there I know That is they are my new bank And to make sure that I am paying them Thank XXXX I do not have an issue With funds and I can prove it that I had funds in my account. They did not do Their part in contacting me to make sure that I know that they are my new bank, The bank has 3 addresses For me 1- is a p.o. box and 2- is my home address and 3- is the property address The bank claims they sent a welcome  letter To my pill box which I never received They never made any other attempt to contact me or to send me letters to my other addresses At least the property address but they did not And I am losing money each and every day because of them
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT ACCOUNTS. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (OH)

I made a purchase XX/XX/2018 at XXXX . The order had problems. I used return label provided and returned about XX/XX/XXXX XXXX 2018. I never received the credit so I disputed the charges since items were returned. XX/XX/2018 I files a complaint and Ms. XXXX XXXX of XXXX  exec office contacted me by e-mail. I replied several times but still no credit issued. I e-mailed in XXXX and XXXX. I called XXXX maybe XXXX and XX/XX/XXXX and XX/XX/XXXX. She finally posted one credit but all of the late fee remained. I have late fee and negative report on my credit. XXXX told me I could pay and wait for refund. Why should I pay what I don't owe? I won't and I didn't. I received a bill for {$130.00} late fee on top of late fee.
Consumer complaint received 2018-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

Participated in my Department 's Student Loan Repayment Program ( SLRP ) and opted for 3 separate disbursement sent to Navient from United States Treasury. 

My loan was a XXXX XXXX XXXX loan and mail payments are sent to XXXX. XXXX XXXX XXXX, GA XXXX. I incorrectly put the address ( XXXX. XXXX XXXX XXXX, PA XXXX ) intended for Navient loans. Navient processes both XXXX XXXX XXXX and Navient Loans. 

My name and account number are on the check. My first payment was disbursed and cashed by Navient but it did not get credited in my account because it went to the wrong payment address. Per Navient customer service, they will cash the check, hold it for 10 days and return it to the sender without notifying the person on the account/check. 

I find it suspicious that my name and account number are provided and my account was not credited. In addition, they cashed the check ( probably started accruing interest ), held it for 10 days ( 20 in my situation ) before returning it to the sender ( United States Treasury ) without notifying me. 

My complaints are : They have my information, why not correctly allocate the payment instead of cashing and holding the funds without notifying the borrower or noting their account next time they inquire.
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Seattle Service Bureau, Inc (CA)

I owe a certain amount that I understand is to be paid and In good faith I am willing to take responsibility for my actions. I was properly notified about my debt owed in an ordered manner, what I did not agree on is the aggressive action took apon me of suspending my license if I do n't pay that same day of phone call without a warning or a letter notifying me the legal action. I was already trying to find income as far as getting a job to pay back my debt and was letting the agency know that I do not have money at the money at moment, I received a phone call from someone saying I owe XXXX that same day and if I do n't pay it he will suspend my license. I am XXXX XXXX months XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX, I am also borderline XX/XX/XXXX which means I have XXXX XXXX XXXX and I am in n out of the hospital on top of everything happening to me and my life being at steak with myXX/XX/XXXX XXXX I am convinced to call my attorney and take this to court for stress and risking my XXXX XXXX life due to my stress. On top of that I am unemployed, have no car and I am a single mother living from home to home due to instability of support and financial reasons, I have absolutely no money in my bank account that I had to cancel my account. With that being stated I do n't agree with my license being put on hold for various reasons. How am I supposed to get a job with no license? How am I supposed to go to my doctor visits for my child and I and for the XX/XX/XXXX that I am going to have? I had respectfully told your agent that in good faith I will find money somehow that I do not have too atleast not suspend my license because that 's not the correct way of collecting. The collector did not sympathize with me at all did n't even let me talk once and if I did he said he did n't care about the situation and he 's still going to keep my license suspended. I need to take legal actions for myself and child when I do have a job or income I will pay back my debt but as of right now I have no options I 'm practically homeless need help myself to even have a burger how am I going to come u with XXXX. The collector 's name is XXXX XXXX. I hate to throw anyone under the bus but I am struggling to eve find a warm bed to sleep in at times I have a XXXX year old with me as well and I bend over backwards to make her happy and feed her with no money, while I sometimes starve which is n't good at all. All I want is patience and security that I know I will find some stability and handle this situation properly.
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MA)

I am presently working with a debt consolidation company to resolve my debt with XXXX XXXX. For over a month, I continue to receive up to 20 calls per day, and family members do as well. Now, texts are being sent to my family members with my information. I have communicated to XXXX several times to only contact me, but this has not been respected. My family members continue to be harassed, and my place of employment was contacted as well, which I know is not allowed. This is unacceptable to me. I have now requested that ALL calls cease immediately. I have not been successful resolving this issue with XXXX XXXX, and I am aware that the tactics they are using are not allowed.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC (SC)

The company has published false information to all three credit reporting agencies. I requested for validation, they are unable to provide me with a contract or anything with my signature to show I am the owner of the account. The are charging/request {$710.00} for the account. However, the bill the bill that they sent to me is for {$300.00}
Consumer complaint received 2018-10-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (NY)

On XX/XX/XXXX, I traded in my leased XXXX XXXX XXXX for a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay off the XXXX lease, waive the lease termination fee because I was leasing another vehicle, and that any wear and tear was within the {$500.00} damage waiver. In approximately XX/XX/XXXX, I began receiving telephone calls from Stoneleigh Recovery Associates at home and at my place of business, purportedly relating to amounts owing on the XXXX lease. I was provided no documentation of any such purported debt and the burden was placed on me to obtain information of the amounts XXXX was seeking to collect. I contacted XXXX XXXX XXXX, who placed the burden on me to document that I relinquished the XXXX XXXX on XX/XX/XXXX in connection with leasing a new vehicle. I provided all documentation in my possession regarding the transaction, which shows that I traded in the XXXX XXXX for a new vehicle on XX/XX/XXXX. Nothwithstanding, XXXX XXXX XXXX demanded that I obtain the Vehicle Return Receipt from XXXX of XXXX XXXX, which provided a document falsely stating that the vehicle was returned on XX/XX/XXXX and identifying the " dealer '' as XXXX XXXX XXXX, an entity I have never dealt with or even heard of. XXXX XXXX XXXX refuses to accept my documentation, refuses my requests to document " excess wear and tear '' above the {$500.00} waiver, and in the meantime, I continue to be bombarded by phone calls from Stoneleigh Recovery Associates.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: COMMUNITY CHOICE FINANCIAL, INC. (FL)

I received my credit report from XXXX  this morning and found some things into the report that I had no knowledge of. Yes last XXXX I received a letter form XXXX XXXX XXXX that I maybe one of 14 million that was in the problem of the credit bureau being breached then. 
From the looks of it they were right I have addresses that I never lived at and the misspelling of my last name as well as some one tried to get credit in my name as well. 

Now I am seeing addresses that I never lived before. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single family house XXXX XXXX XXXX Address identification number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single Family XXXX XXXX XXXX Address ID Number XXXX These places I have never lived before. And I never used my son 's name o co apply with me on anything now that is a fraud because his name has been used for different things as well.So that is wrong too, now the spelling of my name is wrong as well over Name identification number XXXX XXXX  this is not my name at all. If your going to fraud by using some one else name spell it right. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Cash Central  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NM XXXX ( XXXX ) XXXX So what XXXX XXXX XXXX told me was true. I have companies calling and telling me that I have to renew the house and caXXXX warranty when I do not even own one. I have checked my own back ground check and find that thee are a million XXXX XXXX XXXX 's because it is a common name. I just happen to be one of them. I do feel that I was a victim of ID Theft because to find these tings on my credit report is hindering me from advancing to do better for myself and family. I am trying to get a small business loan now and can not get it because of all of these things on my credit report. It makes me look bad hen I am trying to clean things up and not owe anyone at all. 
these things I did not know about until today
Consumer complaint received 2018-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

on XX/XX/2018, an XXXX number called posing as the Chase bank. I became a victim of identity theft. Chase bank is saying the charges were actual charges and will not refund the money that was stolen. However, they refunded partial monies, {$30.00}, but not the {$4900.00}. Chase is saying the card was present at the time of transaction. Which was false because I brought my card to the bank shortly after I found out. Chase call center 3 times said this was definitely fraud. But, the Chase fraud department denied the claim 2 times ... even after the call center said this was definite fraud