davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX Balance Owed : {$110.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed XXXX {$4400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

called XXXX XXXX on XX/XX/XXXX, to buy XXXX Car which my lease will end in XXXX, informed me will send contract to email which will include all remaining payments and residual.on XX/XX/XXXX got contract fill it and send it back on XXXX XXXX XXXX  paid {$130.00} fees. 
XX/XX/XXXX called to ask about contract lady told me you need to pay {$2400.00} told her its included in contract she said you have to pay it, ask her if i am late she told me DUE DATE IS XX/XX/XXXX, SO I SCHEDULED PAYMENT ON XXXX XXXX XXXX my lender informed me that XXXX reported me late and my credit fell XXXX points, escrow is off.on XX/XX/XXXX SINCE XXXX XXXX  TILL XX/XX/XXXX XXXX XXXX TRYING TO REACH A SUPERVISOR AFTER CALLING ALMOST 11 TIMES BUT NO HOPE, MY LIFE IS RUINED ALTHOUGH I HAVE XXXX CARS FROM XXXX FAILED TO GET ANYONE TO SOLVE MY ISSUE
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to request the immediate blocking and deletion of the following fraudulent accounts 
from my credit report. I am a victim of a recent data breach and identity theft. These accounts 
were opened without my authorization, and I am invoking my rights under 15 U.S.C.  1681c2(a) and FCRA  605(b) to have fraudulent information removed from my credit report.
Accounts to be Blocked and Deleted:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: PNC Bank N.A. (AZ)

I had a checking account with PNC Bank. Due to PNC 's neglect in providing a minimum level of acceptable service I closed my account in XX/XX/2022. I requested my personal information be removed from their records and not be used for marketing or solicitation. I continued to receive unwanted credit card offers from PNC. I contacted them again to request no more solicitations and they referred me to a third party to block future offers. I completed the required information and was advised I would no longer receive unsolicited offers. I still receive these offers from PNC Bank.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion Consumer Solutions XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Demand for Immediate Correction of Inaccurate Credit Reporting Account XXXX To Whom It XXXX Concern, I am writing to address the results of your recent investigation regarding the charged-off account ( Account No. XXXX ). The findings you provided only reaffirm the inaccuracies that I previously disputed. Specifically, the account continues to be reported with erroneous updates on a monthly basis, which is both misleading and damaging to my credit profile. 

The account is also being reported 120 days late consecutively from XX/XX/XXXX to XX/XX/XXXXXXXX  which is inaccurate.. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information reported is accurate and to investigate disputes thoroughly. Your failure to address this ongoing issue constitutes a violation of my rights as a consumer. 

I demand that you take immediate corrective action to remove this inaccurately reported charged-off account from my credit report. If this issue is not resolved within the next 30 days, I will be compelled to file a formal complaint with the Consumer Financial Protection Bureau and consider legal action for damages caused by your negligence. 

Please provide written confirmation of your actions to rectify this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My home mortgage was sold to Mr. Cooper many years ago. Early this past spring, I had gotten a tax bill in the mail that I didn't quite understand and I called Mr. Cooper to clarify and confirm that I did not owe extra property taxes. I was assured that everything was taken care of on their end and that any delinquency fee would not be taken out of my escrow because it was not my fault. I left it at that and more or less forgot about this. This past summer when they re-evaluated my escrow, they concluded that my taxes were nearly double what they were previously and due to that, my mortgage payment went up about {$700.00} per month to cover the escrow shortage. I called their customer service to inquire about this, hoping it was a simple mistake, and I was told that my taxes went up. This did not make sense to me as I live in CA and XXXX XXXX keeps property taxes from spiking from year to year. I spoke to multiple customer service reps with Mr. Cooper and they all insisted that I was mistaken and my taxes, indeed, rose significantly. I spoke with the local tax bureau and discovered that Mr. Cooper had missed one of my tax payments, despite having record that the payment was made. After much digging and poring over statements, I discovered that because of this missed payment, the next bill included the previous installment that was supposedly already paid plus a delinquency fee. Mr. Cooper calculated that bill as being only a 6-month installment and calculated my next year 's taxes accordingly which resulted in my projected taxes essentially doubling. After many hours on the phone, I have finally gotten them to fix the projected taxes for next year. They said they actually did pay the missed tax payment but because it was not the correct amount, it was not applied to my taxes and put in a " suspense account '' instead. I have been informed that when the refund comes from the county, they will credit my account. This still does not address the delinquency fee. This fee should not be my burden to bear as it was not my error. I am not happy with their record-keeping and labeling on my escrow analysis, as they still indicate my past year 's tax amount as the errant amount and I am, at this point, completely untrusting of this company 's honesty and thoroughness.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I did contact the Capital One for the XXXX time in 8 months regarding the same thing, I called again today 's XX/XX/XXXX at XXXXXXXX XXXX duration of call XXXX min, spoke with XXXX XXXX of the supervisor, I asked again to please remove the XXXX late payment from XXXX and XXXX XXXX, and I explained that late payment was from my hardship in that year and it is causing me problems and also its violates my rights according to violation of the CARES Act during the COVID-19 Pandemic.
Consumer complaint received 2022-08-05
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. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So recently I received a letter from Bank of America XXXX XXXX saying they revisited an old claim of mine and reversed the final decision in my favor and to go through my statements and see if there are more fraudulent charges and to file them..so I did and there was quite a bit of them that I tried to have settled a while back but they rules against me..so I filed my new claims the first claim and when I saw I was awarded the new claims I noticed that the gentleman I spoke to who filed my claims didn't put all of the charges I told him.to on them so I had to file 2 new claims which is what I'm complaining about. First claim # XXXX for the amount of {$800.00} and the second claim # {$1300.00} both of which all the charged on these 2 claims were suppose to be submitted on the claim I was just awarded as the bank employee promised me they were, are now being denied to me and they are all charges from XXXX, XXXX and some from XXXXso when it denied I call back and have them file a reconsideration, then when I call back to check on that reconsideration I find out that a reconsideration wasn't even filed.. so ha e to refill again and this has been going on for about 2 months and these charges I'm now being denied are the same charges I was just recently rewarded and because the employee didn't put all of my claims on them I had to refill and now somehow am being denied these claims that should be rewarded to me in the first claim.. AND on top of that ... I had a bank of america MANAGER call me back on my cell phone to harass and threaten me and say some really weird things to me, so I filed a complaint about this with bank of America and the complaint is XXXX complaint ID # XXXX and filed the complaint with bank of America manager named XXXX and was told I can call tbe bank and follow up with my complaint I filed and then when I do, the bank tells me it's a n internal problem they will handle its none of my busines ... .So now I'm in fear for my safety because this bank manager who called to Harrass and threatened me has access to all of my personal information like my address, social security, all my banking information. And I don't know what she's capable of if she's gone to the level she has already and I dont feel safe now and don't know who to turn to for help.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Check deposited XX/XX/XXXX Funds were to be available XX/XX/XXXX. Another hold was placed without notice. No information is being given by the bank I contacted payee they stated the check was cleared and payed out to the bank. 
Bank has not given me notice or explanation as to why.
Consumer complaint received 2022-08-05
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: M.A.R.S., Inc. (TX)

XXXX never contacted me about alleged debt. I was never given the opportunity to verify alleged debt. 

Amount of Alleged Debt XXXX 15 USC 1681b ( a ) ( 2 ) I never gave written consent to have anything from rent grow to furnish information on my report This is an infringement upon my privacy and has cause me to be discriminated against. 

M.A.R.S. INC still havent supplied me with evidence on how this information was verified before reporting.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Im not sure when but my mother opened a credit card account with capitol one under my social security number and XXXX XXXX for {$500.00} with out my knowledge or consent {$400.00} was spent and now my credit is rapidly declining due to the facts she hasnt made payments Ive been trying to despite the charges since XX/XX/2022 when I found out she opened a credit card and nothing has been done except referrals to different places to help dispute the charges
Consumer complaint received 2022-08-05
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. (MS)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Winklevoss Exchange LLC (MA)

I opened credit card account with Gemini in XXXX. I made one payment on schedule. After that they suspended my account and then sent an email that my account was reinstated and able to use again. This was false. I have the emails and correspondence. Then they put a charge off on my credit report. I could not go into use the website and I cant make minimum payments now. I want them to reverse the charge off on my credit report and I will pay the minimum payments and want the card open again. Their technology was terrible. I attach the correspondence.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My complaint is about my personal information. I have contacted the credit bureaus several times about updating my personal information. Putting the correct address as Current and removing all other addresses that doesn't contain to me. 

They are not my addresses and I do not want to mix and merge my files or want the wrong information being sent to those addresses they have on file which I do not want no one to have any of my information because of all the scam and Fruad stuff that's going on. 

Please update my correct address on file and remove all others which they are not mine and never lived at those addresses. 

I also contacted the company by phone XX/XX/2022 as well as writing a letter like they told me and still haven't fixed the issue.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I deposited 3 checks from my employer, Bank of America placed delayed hold on the the largest amount amount of {$1000.00}. If they believed that check was forgilent than why didn't they place delayed hold on all 3 checks? These were Bank of America checks also from XXXX XXXX. When I finally got though to department who place delay on check I was informed reason was that I hadn't deposited anything this large in past month! This falls under the {$5000.00} threshold. When I informed Gentleman that this was now causing me financial difficulties as I will now be late with my rent, he lied to me telling me since I still had paper check I could go cash it while it was still processing though the account. From what I read on their XXXX page this happens regularly that they place delayed holds on wage checks. Seems that they are targeting middle income families. I have received checks from XXXX for over 13 year to said account and have been a XXXX account holder for 23 years.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NH)

Right before midnight eastern standard time on XX/XX/XXXX, my chime account was hacked into. I was awoken by alerts on my phone. These alerts stated that there was a new login attempt from A device that I do not use, my email on my chime account had been updated, and the phone number on my chime account have been updated. The phone number was changed to a Nebraska phone number. I live in New Hampshire. I also did not recognize the email address that it was changed to. The alerts also stated that there was a transaction decline in the amount of {$100.00} because it was an international transaction. Ive never allowed international transactions on my account in its entire history. The alerts also stated that there were XXXX transactions totaling {$1000.00} taken from my account. The hacker had gained access to my account, transferred the money from my savings account to my checking account and then to my credit builder account. The transactions that were fraudulently taken came out of my credit builder account. The merchant came up as XXXX. I am not sure what that even means, and chime cant tell me either. I was in possession of both of my chime cards, they never left my possession, I never shared my login information with anyone, and I do not have my pin written down anywhere. I reached out to chime immediately that evening around midnight to suspend my account. They advised me to send proofs to their customer service email address, which I promptly did the following morning. They finally re-enabled my account with a new email address and password this morning on XX/XX/XXXX. I went into the app and disputed the XXXX transactions totaling {$1000.00}. Within 10 minutes, the disputes were denied for no error found. I dont think a proper investigation can happen within 10 minutes. I tried to call back in and dispute it further, but they are not being helpful at all. I have provided ample proof that my account was being hacked, and I am getting absolutely nowhere.
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: FIRST GUARANTY MORTGAGE CORP (GA)

I am an XXXX and Good Mortgage, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX TX XXXXXXXX has failed to make payment on a {$150.00} debt it owes my company XXXX XXXX and XXXX XXXX for XXXX XXXX rendered on XX/XX/2022. Multiple email communications between me and Good Mortgage have resulted in continued promises to pay, but no payment of the debt.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TN)

I called Discover Bank @ XXXX ( XXXX ) XXXX on XX/XX/XXXX spoke to XXXX about payments are not reflecting on my credit reports he said the account was closed XX/XX/XXXX which is not true. Monthly payments are made to Discover every month on time which is not reporting on my credit report. XXXX, show recent payment XXXX ( XXXX ) and reported that the account was closed XX/XX/XXXX as of today it still show closed .XXXX  XXXX XXXX XXXX and XXXX reporting inaccurate information.