davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (SC)

I am writing to formally request the blocking and deletion of a fraudulent account from my credit report, as I am a victim of identity theft. This account was opened without my authorization, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this information removed. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-31
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. (NY)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-30
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I opened a Chase Account in XXXX. I didn't have an issue at all. They decided to close it. They stated that the number of inquiries and debt to income ratio was an issue and that is why they decided to close it. I have filed a complaint before regarding this issue and I am filing another complaint because I don't feel that the prior rep XXXX had an understanding of the complaint and I believe he just went through the motions. I am filing another complaint before I allow my attorney to take action of this issue because I do feel that i was discriminated against. All of my credit cards were paid off and I don't have a high debt to income ratio at all. The rep who opened the card verified it through an almost an hour long call. Not to mention that Chase contributed to the number of inquires because they put three on my credit report that were not on there otherwise. I am not pleased with the outcome and I would like someone else to look at it.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX I requested a stop payment do to a Nation Wide pandemic. 
In the amount of {$1.00}, XXXX from XXXX XXXX. 
However Wells Fargo paid and my account was debited in the amount of {$1200.00}. On XX/XX/XXXX a provisional payment was issued to my checking account in the amount {$1200.00}. 
Some time between XX/XX/XXXX and XX/XX/XXXX the reversal credit from Wellsfargo was removed. I can not provide you with that information that they maniuplated on my account. 

Due to the global pandemic XXXX XXXX  refunded back to my card ending XXXX the amount of {$1400.00}. ( a deposit from XX/XX/XXXX ). 

Wellsfargo assumed that this was part of the same transaction from the stop payment claim on XX/XX/XXXX and the same provisional payment of {$1200.00}. 

However this is a separate transaction and date XX/XX/XXXX and claim and amount. from XXXX purchase return authorized on XX/XX/XXXX XXXX XXXX XXXX Washington card # ending in XXXX. 

I need a full refund with pain and suffering fees and any and all good faith allocated monies during this pandemic quarantine.
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (FL)

In XXXX of XXXX I purchased a XXXX XXXX XXXX. The loan was financed through XXXX XXXX. During XXXX, XXXX XXXX closed their business and was bought out by Westlake Financial. The loan was paid in full in XX/XX/XXXX but I never received my title. I didn't think too much of it because in the past when I paid off a vehicle that loan, the title would be available at the DMV if needed. Recently, I sold the car to help with the funds needed to pay for my mother 's funeral arrangements due to her passing in XXXX. The new owner was kind enough to wait for me to pick up the title from the DMV. The DMV would not release the title because due to Westlake Financial not submitting an electronic lien release to the state. I called the company to ask them to do this for me receiving the response that they didn't do that but would send me a pay off letter via email. I called the DMV back and asked them if the letter would be ok to release the title but was told that they could only release it if Westlake Financial released the lien electronically through the state. Following is each response that I received through the company each time I called. 

1. Representative stated that they would get it completed and to give them about a week. 
2. Lien release still not completed... Rep. Put me on hold and then disconnected me. 
3. Representative transfered me to title department, I was informed that the lien release had not been done but that they would get it don't right away. The Rep. asked me to give it another week and then call back if it wasn't complete. 
4. A week later the lien was still not released so I contacted the company a 4th time and told them that by law they needed to contact the state and submit a lien release, that I could not get my title without them doing this. The Rep. put me on hold for 5 minutes and then disconnected me once again. 
I've contacted the company two other times since the XXXX call but can not get them to submit a lien release. I've contacted the XXXX to file a complaint but received no good results. After reading the reviews online regarding this same complaint for this company, I found that many other consumers are facing the same issue. I need something done. I can not get my title without them completing the lien release electronically. Please help. 

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-07-28
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: JPMORGAN CHASE & CO. (FL)

I was charged a large amount by a vendor - an amount that is absolutely irregular for me and my spending habits. The merchant insisted that the charges were getting rejected, so they charged me three times on two cards. I saw the charges pending but they had gotten aggressive with me and I was legitimately concerned that I had not paid. This was suspicious to me, which is why I felt comfortable using my premium chase credit card ( chase sapphire reserve ). Well all three charges cleared. My other bank, XXXX, took care to understand the situation and investigate and found that the double charge was invalid. Chase, however, was unresponsive and provided no avenue or attention for hearing out the situation. After a long period of silence, I was notified the charge was determined valid. I called, and they told me I must write and mail a letter to open another dispute for the same charge. I did, and they credited it again. Then, after another long period of waiting and only one request for info ( a screenshot of the first transaction ), I get notified that the charge is valid with a letter and pictures of receipts from the vendor. The support in this letter from the merchant is so absurd that any reasonable consideration would have resulted in seeing it was blatantly nefarious acting from the merchant - forged signatures ( the first is legitimately mine, contrasting from the forged ones to follow ), adding very very small amounts to the second and third charges to make it seem like they're different ( {$1.00} and {$2.00} on a {$3400.00} base amount ). Worse, the reasoning chase provided suggested a misunderstanding - that they though I said i paid for that third charge with another card - but I did my best to convey through their form submission online that I was charged 3 times for one service rendered. I've tried calling twice, and both times I was met with rude personnel in the dispute department who didn't even take care to understand it and ignorantly insisted that I'm the one that's incorrect and there's nothing I can do. It feels as if whoever submitted the most support wins this twisted contest for my hard-earned {$3800.00}. 

It's obvious that this is an issue unique to Chase. My other bank was able to figure it out, and they couldn't even investigate to the point of understanding what happened before making the final, incorrect judgement for a meaningful amount of money. There's no point in having a premium credit card ( or bank to trust any of your money with ) if you can't feel comfortable using it.
Consumer complaint received 2021-06-21
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: Mr. Cooper Group Inc. (FL)

Re : NATIONSTARMORTGAGE/Mr. Cooper XXXX XXXX To whom it may concern : I am submitting this complaint to address the following issue : The above mentioned company submitted Incorrect Information to credit reporting agencies and failed to correct it.

1. Account Name : NATIONSTAR MORTGAGE/MrCooper XXXX : XXXX, XXXX XXXX days late. 

2. Account Name : NATIONSTAR MORTGAGE/MrCooper XXXX : XXXX, XXXX XXXX days late. 

The information is inaccurate. 

Payments were posted in the timely fashion to the account on XX/XX/XXXX and XX/XX/XXXX as per NATIONSTAR MORTGAGE/MrCooper records. 


Under the FCRA : It is the responsibility of the mortgage services to furnish only accurate information to the Credit Reporting Agencies.

It is the responsibility of the mortgage services to correct inaccurate information submitted to the Credit Reporting Agencies.

It is the responsibility of the mortgage servicer to conduct proper investigation of the dispute.

The information provided to the Credit Reporting Agencies should be substantiated by the records when it is furnished. 


Under the FCRA, both the credit reporting company and the information provider are responsible for correcting inaccurate information. 

It was a horrible shock for me to discover that my credit rating is damaged after having an excellent credit reputation for many years. 
I am experiencing considerable embarrassment having to explain to my business associates my situation with the credit rating. 
I am also forced to spend a considerable amount of time disputing inaccurate information and protecting my good name and reputation. 

I am ready to address the above matter to the Court of Law and file Defamation of Character charges against NATIONSTAR MORTGAGE/MrCooper if necessary. 
Section 1681o authorizes a consumer to recover actual damages sustained from the consumer reporting agency 's negligent violation of a requirement under FCRA. 
Actual damages include humiliation or mental distress, even if the consumer has suffered no out-of-pocket losses. 
( United States Court of Appeals, Fifth Circuit, Case No. 91-7142, John STEVENSON vs. TRW, April 1, 1993. ) Feel free to contact me via XXXX. 

Sincerely, XXXX. 

XX/XX/XXXX.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there.

You are in violation of 15 USC 1692g. You and the debt collector were to notify me of this issue in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. In addition, pursuant to 15 USC 1681i ( 5 ), if the debt can not be validated or confirmed to be accurate, you must DELETE. Therefore, the following accounts must be deleted from my report immediately : The reporting of these account ( s ) is/are also violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : Best regards, XXXX XXXX
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

I have been getting charged a monthly interest rate for over a year. I just now realized this, because I have been making multiple payments, and the credit limit still gets higher. 
I checked my account, and they are constantly raising the interest rate on my credit card. 

When I first signed up with Citi Cards, I was not made aware of a monthly interest rate. It was only advertised to me that this credit card will only cost me {$99.00} a year to keep ( besides the regular charges and payments ). 


I tried to have my credit re-instated, but the representative with Citi was not really helpful. 


Thank you
Consumer complaint received 2024-10-31
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. (CT)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX  percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2020-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC (FL)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (FL)

I contacted Cross Country Mortgage regarding my lack of access to my online portal since my loan was transferred to them in XXXX. Ive spoken with multiple representatives who informed me that it could take 60-90 days for the issue to be resolved. However, it has now been nearly 120 days, and no one at the company seems able to fix this problem so that I can make my online payments.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CO)

I have a C/O on XXXX, XXXX, and XXXX for XXXX XXXX XXXX XXXX . I  wrote a debt verification letter to both the creditor ( XXXX ) and the collection ( Transworld ) and sent if certified mail. I received a letter back from XXXX for an account that is not my name associated with an address I've never lived at. Do you know how many XXXX XXXX 's there are? I never heard back from Transworld. I have also disputed with all three credit agencies and they all " verified '' the information but how can that be when this debt is not mine?
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MA)

I applied for a Walmart credit card last XXXX and when I received the card I got two discount options : one was getting {$35.00} discount if I made a purchase of {$75.00} or more and the other one was getting {$25.00} discount if I made a purchase of {$25.00} or more. I've made a purchase of more than {$44.00}. This morning when I tried to pay my Walmart bill, there was no discount. The cashier kept my discount flyer with the discount bar code. He said the discount would be in my bill. Now I'm supposed to pay the whole amount because Walmart didn't give me the discount I was told they would give me! I'm really disappointed! I called the customer service and the attendant said the discount will be given in one of the next bills. How come? Now I'm obliged to use my card to get the discount!?! It's not right! The discount should be given right away! They lied to me. I would never apply for a card if I knew they weren't honest to their customers! I'm really upset!