davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Due to the most recent data breach where millions of XXXX numbers were exposed I wanted to freeze my credit. I was able to easily lock my XXXX and XXXX accounts but TransUnion made it impossible. First, I tried calling their customer service and was on hold for 45 minutes. I was prompted to " hold '' my place in line by providing a call back number which I did. After a week I did not receive a call. Secondly, I tried using their chat system twice. The first time I spoke to " XXXX '' and he a phone number to call but exited the chat before I could get the number. Several days later I tried the chat method again the this time I spoke to " XXXX '' and he was NOT HELPFUL at ALL! I tried to telll XXXX that by law they ( TransUnion ) are supposed to allow me to easily freeze my credit. He advised that I needed to email someone at TransUnion. 

At the time of this complaint I still haven't been able to freeze my credit.
Consumer complaint received 2016-03-11
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX is reporting an open account XXXX XXXX XXXX. This is not accurate. They may have acquired this fraud debt then but I have been disputing this matter since XXXX of XXXX. I was XXXX to XXXX from XXXX XXXX XXXX XXXX. Someone purchased a motorcycle in my name! I have asked repeatedly for the documents to prove I made this loan. I have NEVER received anything. The reason is because I was not in country to make this loan. I provided both the original creditor and XXXX this info. No response. I have spent more than {$100.00} sending them certified mail, no response. They are first reporting a debt that is fraud and second reporting the date of when they got the account, not the actual date the fraud took place. I do not know what else to do. Someone also opened a XXXX phone line during this time, XXXX has since taken the reporting off.
Consumer complaint received 2024-09-11
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. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( XXXX XXXX XXXX XXXX ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-09-11
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. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2017-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

i never owed this debt and there claiming i owed it they lied in your response i have a letter from XXXX that says otherwise they need to be investigated for illegal collections tactics this was there previous response XXXX XXXX XXXX ( XXXX XXXX )  is in receipt of XXXX XXXX XXXX CFPB Complaint Case # XXXX. As stated in our Consumer Relations Policy, in all that we do, we strive to treat consumers with respect and integrity. We are committed to engaging in dialogue that is respectful and constructive, creating solutions for our consumers that resolves their debt, and ensuring that those who work on our behalf adhere to these same standards. Our investigation of this matter indicates that XXXX XXXX XXXXXXXX XXXX opened a XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Credit Card account ending in XXXX on XXXX XXXX, XXXX, for which XXXX XXXX is the personal guarantor. From XXXX XXXX, XXXX until on or about XXXX XXXX, XXXX merchandise including, but not limited to cat food, cat litter, cheese, deodorant, and approximately {$8700.00} in gift cards was charged to the account without any payments thereafter. The account was charged-off on XX/XX/XXXX and subsequently purchased by XXXX on XXXX XXXX, XXXX. Additionally, and as part of our investigation XXXX is unable to confirm XXXX XXXX XXXX XXXX has filed bankruptcy as stated in the complaint. However, since a copy of the credit application, or similar original account-level documentation, confirming XXXX XXXX is a personal guarantee is not readily accessible at the time of this response, XXXX shall cease future collection efforts from XXXX XXXX until said documentation is received.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im extremely frustrated with how my credit scores are being affected by inaccuracies in my report. These errors are dragging down my scores and making it nearly impossible for me to get the credit I need. The constant stress and challenges this has created are taking a serious toll on my life. Despite my repeated efforts to get this sorted out, I havent received any effective response.
Consumer complaint received 2024-08-31
Product: Credit 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: SYNCHRONY FINANCIAL (CA)

On the week of XXXX I was checking my email and spotted emails saying that I needed to check my credit report. 
I have an app to XXXX and XXXX XXXX XXXXXXXX. I opened XXXX and noticed that I had several inquiry notices plus delinquent notices. Some I knew about but the one that opened my eyes wide was a charge of {$2800.00} dollars coming from a XXXX issued by XXXX 's I guess a couple of years. The same I decided not to use. Perhaps I did once. 
I called the company and spoke to XXXX at about XXXX. Because I wasn't sure of the right date, I left on my notes the day open like this : XXXX XXXX. 
XXXX told me the charges were made on the same day on XXXX. She went on by informing me if I was making purchases at XXXX, XXXX, and XXXX XXXX, CA. I said NO. I was not even around on XXXX. I had left town because of my XXXX XXXX XXXX who has XXXX in XXXX and needed assistance all the time. The last time before XXXX, was in XXXX where I spent my birthday with my children. Then, I came down again to check on my mom. So, there is no way I had made those purchases. XXXX transfered me to the Fraud Investigation Department and before I was able to make my complaint, my call was hung. I called again and spoke with XXXX right after the call was hung up. XXXX went through each of the charges on that account again, all made on XXXX. ALL of them, I did not recognize for I was not in town. She also asked me if I had an authorized user and said NO. I never had any other person using my credit cards, not even my husband. She said one person named XXXX XXXX was noted as my authorized user. 
I was able to talk to Fraud Investigation Dept. and spoke with XXXX. She took my report and said it may be resolved in 60 days. 
After checking the rest of my entries in my credit report on XXXX, I noted a New Unconfirmed address made on XXXX to change my address to XXXX XXXX XXXX. XXXX, CA XXXX. I never lived in XXXX before. I made my change of address on XX/XX/year> to live with my daughter in XXXX XXXX from living at my brother 's in XXXX, California. So, please help me fix my credit report, my credibility and my SCORE that went down from XXXX to XXXX something. I just can't believe that when I tried to open a XXXX Credit Card I was denied. And I accepted to try because people there are so ardous at convincing customers to apply. They say it will be only 5 minutes.

Thank you so much in advance for all you will do to send me back to my previous Credit Record. Thank you.

PS : If you need more info or Credit Card numbers, please do not hesitate to contact me by email. Thanks again.
Consumer complaint received 2024-09-05
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. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (ID)

The lender has refused to postpone sale while actively reviewing this file for loss mitigation options which is a violation of Reg X/RESPA guidelines and Dual Tracking. the lender is also not allowing for an appeal period after the decision is made regarding the review - if denied.
Consumer complaint received 2017-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc. (TX)

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Amcol System Inc. Amcol System Inc. does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they supposed to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. So, I checked the Secretary of State Texas Debt Collections Division website and found out that Amcol System Inc is breaking : " Texas Finance Code section 392.101 which prohibits a third-party or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtained a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report, please. In fact, I need all account that they have in their office under my given social security number and first & last removed.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a credit card with Bank of America and have used promotional offers for balance transfers from credit cards. This is what they offer : " A balance transfer has several benefits, including : Saving you money on interest and monthly charges Consolidating debt, which may help you pay it off faster One statement with one payment due each month '' So, I thought that if I paid my statement in full I will pay my purchases and the balance transfer, because they said " one payment due each month ''. So I made a full payment of my balance on time, before the due date and I was charged interest, also, they said I still owe {$260.00} from my balance transfers. They do n't show the remaining balance related to balance transfers on their statements nor their website in their online bank, so there is no way for me to check what they are seeing or to check how much I have paid and how much I still owe. This is really a problem, because I do n't know if there is a mistake or not, if they are overcharging me or if what they say I owe is true or not. I do n't like to be late in my payments and I really do n't feel that the bank is being honest with me. 
It seems they apply my payments in the amount I owe from the statement, plus from the current purchases, but it is not clear how much they are applying to the remaining balance from my transfers I can show you my last statement if you need to see it. In my previous statement the total balance was XXXX and that 's what I paid and now they say I still owe {$260.00} due to the balance transfer. In the page where they post the Interest Charge Calculation, the balances there go up or down every month, even if I do n't do any new balance transfers and that is very confusing.
Consumer complaint received 2024-09-12
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. (TX)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX - Balance XXXX XXXX XXXX XXXX # XXXX BALANCE XXXX XXXX XXXX  # XXXX -BALANCE XXXX XXXX XXXX # XXXX - Balance XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

In the 2nd to third quarter of XXXX I contacted the CFPB because equifax is reporting inaccurate information regarding XXXX XXXX  and these inaccuracies on my credit report are violating my rights of the FCRA It says the account was closed on XX/XX/XXXX, however, in XXXX  I contacted CFPB and asked XXXX XXXX  to show me the original contract validating that this is my debt and I never received that contract nor did I ever receive any proof of how this debt is mine which is madatory to be shown after a investigation has taken place and being that its been more than 30 days. They clearly violating 15 USC under the FCRA laws also knowingly reporting inaccuracies that have been proven to befaulty is extremely illegal and damaging to my credit i need this account removed immediately
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

After reviewing my credit report I noticed a late payment status dated 3.5 years ago on my XXXX XXXX XXXX XXXX. This is NOT correct. I have never been late on my payments ever.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-09-11
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. (GA)

I DIDN'T OPEN THIS ACCOUNT LISTED IN THIS REPORT, I NEVER GAVE ANYONE PERMISSION TO OPEN A ) XXXX XXXX XXXX ) CREDIT CARD IN NAME. THE ACCOUNT WAS OPENED ON XX/XX/XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. I WAS NO LONGER LIVING THERE WHEN THIS ACCOUNT WAS OPENED. I MOVED OUT FROM THAT ADDRESS ON XX/XX/XXXX. 

( XXXX XXXX XXXX ) ( ACCOUNT # XXXX ) ( OPENED DATE : XX/XX/XXXX ) ( FRUDULENT AMOUNT CHARGED : {$270.00} )
Consumer complaint received 2017-08-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

The short sale was approved by Chase on XX/XX/XXXX. Settlement was scheduled originally for XX/XX/XXXX. The documents were submitted to Chase for HUD approval on XX/XX/XXXX. The closer did not respond or even review the documents until the day before settlement ( XX/XX/XXXX ). Upon reviewing the information the closer advised that he could not get HUD approval in time for settlement and that he was backed up on other HUD approvals. He advised we reschedule settlement for the XX/XX/XXXX or XX/XX/XXXX. 

Settlement was rescheduled for the XX/XX/XXXX, ( today ). The HUD approval documents were resubmitted the morning of XX/XX/XXXX, giving a full 3 business days for review and approval as instructed in the short sale approval letter. HUD approval has still not been issued. In speaking with the Chase escalations department, there is nothing they can do and several files are backed up. I was advised to cancel settlement and wait for a response from the short sale department. 

The short sale approval letter expires tomorrow. Chase is not handling this file properly and we are going to lose a buyer. This home will end up in foreclosure.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2017-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The homeowner submitted a loss mitigation package to Bank of America, N.A. on XX/XX/XXXX, 2017. Bank of America, N.A. immediately denied the homeowner for loss mitigation stating that there was an issue with the loan that prevented a complete loss mitigation review. Bank of America, N.A. stated the client had to fax a letter to them requesting information on the issue and how to resolve it. The homeowner did that, and Bank of America, N.A. has still refused to provide any information to the homeowner to resolve the issue and to allow the loss mitigation review to move forward.
Consumer complaint received 2017-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I initiated a wire transfer in the amount of {$10000.00} on XXXX XXXX at XXXX PST. Funds were to be available in my a count within the same business day. 

It has been 3 business days and I have not received the funds. Attempts to contact the company via email support, XXXX, and even messaging an executive via XXXX have gone ignored. 

The confirmation number is XXXX