davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Green & Sons Agency, Inc. (ID)

Received a collection letter for a debt I had never been billed for. It has the wrong account number on the notification letter and I couldn't verify with the debt with the original company. I called the clinic and they had never sent me a bill for this debt because they had the wrong address on file for me.
Consumer complaint received 2021-06-30
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: Caliber Home Loans, Inc. (FL)

The mortgage was in my daughter and my name with my daughter being principal borrower. During the pandemic her business was shut down completely and in XX/XX/XXXX she received a grant from our county to cover the cost of the mortgage for a few months. The grant was sent directly to the mortgage company and was received on XX/XX/XXXX ( per mortgage company manager ). Due to an error on their part ( they transposed 2 numbers ) upon receipt in XX/XX/XXXX the mortgage was not credited to XXXX bill and therefore was more than 30 days late and was reported to credit bureau. When I called to research the issue I was told by a manager that they are very stern and make no exceptions and our credit scores could not be corrected.. ( My understanding from the government was that mortgage companies are supposed to work with us during the pandemic ) In addition when we paid off the mortgage in XX/XX/XXXX we were charged an additional PMI of {$150.00} after the loan was closed and paid off. When I inquired about the charge I was told they charge PMI in arrears and was told it was from when the loan started originally in XX/XX/XXXX and then the story changed and I was told it was from XX/XX/XXXX. 
I spoke with a manager of the company on XX/XX/XXXX requesting that our credit scores be corrected. She told me she would put in a request to the credit department and it could take 3-4 weeks for a response. I was told if I did not get a response by XX/XX/XXXX to call back. On XX/XX/XXXX I called back and was connected with a different manager. During the phone call she stated she was in contact with the other manager and had not yet had a response from the credit department. At that time I stated I was going to be contacting the XXXX  as well as CFPB to file complaints. The manager asked that I wait until Tuesday, XX/XX/XXXX for a response as Monday is their highest call volume. Today is Wednesday, XX/XX/XXXX and I have not yet had a response.
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

I received a print ad from TD Bank in the mail in early XXXX advertising a {$150.00} bonus for new accounts. I was unbanked at the time so I opened an account on XXXX XXXX in time to have my XXXX direct deposited-a condition of the bonus. As well I continued the direct deposits until now. 
TD Bank now says I did not open the account with a link-whatever that means so no bonus. I approached the bank to resolve but very little action, I asked for email records of the bank officers back and forth to their rear-of-house team. I was denied access claiming that I needed a subpoena to receive, I reached out to customer service on the phone and was given several different reasons I can not get the bonus. Each time the reason was different. Thank you for your help.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Recently I reached out to XXXX XXXX about these inaccuracies on my report. They did their investigation and have yet to send me the results. I have called several times asking for the results and all details involving their findings. I have yet to receive anything. I also called and requested the " Debt Validation '' " Audit trail '' and Pursuant of GAAP '' but they have refused to send it to me for some reason. This will be my last step before taking legal action towards this company and the reporting agencies.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc (NY)

I have a chime credit builder account that is a prepaid card. I have to place money on the account before I can spend said money. The money I place is supposed to act as my credit limit and I am unable to spend more then I have placed. Chime reported in XX/XX/2021 to XXXX that I owe {$180.00} which is impossible due to the fact that if I try to spend more than I have already paid it will decline. After disputing with them and the credit bureau several times I moved all of the money I had left on the card to my other account with them and have not used this card since. They say they report monthly but never updated in XXXX and are still telling me the balance showing on my credit report is correct even though I have been at XXXX since the beginning of XXXX. Due to how they are reporting this, it is negatively affecting my credit score despite the fact that they advertise their card will increase your score exponentially. I would like my credit report updated to reflect the correct balance of XXXX and their practices reviewed for how they report PREPAID cards.
Consumer complaint received 2019-03-03
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 (PR)

I was offered the promotion that I will get a statement credit of {$40.00}, {$80.00} or {$120.00} on my XXXX XXXX Credit Card ( XXXX ) as a new customer if I were to register my XXXX before XX/XX/2018 ( XXXX XXXX XXXX ) ' which I'd register my XXXX  before the promotional date ( XX/XX/2018 ) and did not received my statement credit ever!!!!.
Consumer complaint received 2021-06-30
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. (FL)

There are 4 accounts on my credit report that do not belong to me they are not mine I have not applied or used these accounts as well as many inquiries I need these off my credit ASAP1!!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : US SM BUS ADMIN ODA Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Consumer complaint received 2021-06-30
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)

There are 4 accounts on my credit report that do not belong to me they are not mine I have not applied or used these accounts as well as many inquiries I need these off my credit ASAP1!!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : US SM BUS ADMIN ODA Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SLM CORPORATION (MD)

I have a Sallie Mae credit card. I am in a debt collection program. The credit card company is calling my parents ( who are not on my credit card ) trying to locate me. This is inappropriate to reach out to family members who are not on my credit application. When I confronted the Sallie Mae representative, they replied " We wanted to make you respond ''
Consumer complaint received 2021-06-30
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. (GA)

15 U.S.C. 1681 ( ii ) the extent to which requiring an exact match of the first and last name, social security number, and address and ZIP Code of the consumer would enhance the likelihood of increasing credit report accuracy ; The wrong Social Security Numbers
Consumer complaint received 2021-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

On XX/XX/XXXX, I initiated a purchase through an online add for a discounted XXXX. I used my PayPal account to process the payment. Immediately upon the transaction being done, I received an email confirmation showing that my payment had been made to a personal email address and not the company I thought I was transacting with. This is a clear case of Fraud, where the user has set up a pfishing site that is a near exact copy of the actual site. 

Fraudulent website located here. XXXX XXXX  XXXX Website is misrepresenting XXXX XXXX XXXX Payment was made via paypal and immediately misdirected to an email address that is clearly not XXXX. The issue was immediately reported to paypal so that you could prevent the fraud transaction from being cleared. I open case XXXX, which was closed systematically today without resolution. I have attempted to correspond with PayPal and instead I am being sent a redirect email from them directing me back to their website. 

Here is the email address that payment was redirect to : XXXX Please contact me for additional details.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (NY)

Credit hard inquiry done on my name, not even my social security number, done on XX/XX/20. I tried getting deletion of account from sync/tjx XXXX XXXX. TjMaxx credit card. I did not apply for credit, yet i was penalized and since have not been able to delete from my credit reports. Both XXXX  and Synchronchy bank  have not corrected problem. I file a fraud case with FTC and when I sent that to XXXX, they received report, but when they uploaded it to their system, it was not legible to fraud department. They ordeal has caused me financial hardship and i am thoroughly disgusted at that fact that nobody cares what happens to me, because of peoples errors against me. I have since sent my copy of FTC report to Transunion and hoping they will correct report and delete synch/tjx XXXX credit inquiry from refit bureaus.
Consumer complaint received 2021-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

Hello! I used PayPal as a place for my tiny business and XXXX  streaming! My account was permanently limited and when I called them they told me there was no reason for it and to make another account and it should be fine! I then continued to make another account and that one was also limited so I made a business account called PayPal and they reassured me everything looked great on the account and not to worry and it was permanently banned AGAIN when I called I talked to a supervisor and they said they could do nothing and wouldnt give me a reason to why they banned my account and said it was irreversible! PayPal was a huge part of my life as silly as that sounds but I needed it for donations and other transactions
Consumer complaint received 2021-06-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing since XX/XX/XXXX with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the XXXX timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I spoke with the Attorney today, advising him that my situation remains the same. I earn about $ XXXX/yr. However, I did try to continue paying the $ XXXXmo payment that the firm agreed I could pay for 6mths since I couldn't afford the {$110.00} that they originally said I had to pay. However, when I called the office to pay the {$40.00}, the Receptionist didn't accept it, she said she would have to speak with the Attorney there. I advised the Attorney of my situation and that I could not start making payments of {$110.00} and he said that's what you agreed upon and I will proceed with the judgement. I advised him that I agreed upon that price because for one, he sent a court order to home about garnishments and taking my home. And second I thought I would have a better job and had no idea we would be faced with a global pandemic and lock down and having to homeschool. I feel that this Law Firm is not fair and not empathetic to the plight of others, especially low income minorities. 

This is the letter I sent to the law firm. 

Dear Mr., I spoke with you last year regarding my financial situation and advised that I could not afford to pay the {$110.00} and I appreciated you working with me and accepting {$40.00}. That worked out very well for me as I was able to make these payments on time every month. 

My circumstances have not changed much. My husband was the primary earner in the home, but he has now been XXXX by a mental health issue and can no longer work. I have to take care of him as well as my XXXX yr old son, who needs constant supervision because during the pandemic he started showing signs of XXXX and XXXX XXXX XXXX 

With all of these trials going on in my life, I have had to lessen the amount of hours that I work and due to the fact that I was a stay at home mom, I am not earning a whole lot, in fact our income is far below the poverty level. Even with this being the case, I am still trying to pay my creditors something, while we also have to pay for food, mortgage, car and medical insurance, and the basics. 

I am asking you to please understand my situation and to be empathetic as my other creditors are. They are all allowing me to pay from $ XXXX {$50.00} indefinitely and they do not bully or threaten to take me to court every 6 months. I'm sorry for the harsh tone but I feel that this is the situation with your firm. I am doing the best that I can, trying to take care of my family and pay my debts that I have made, but I just don't have what you're asking. I am not sure what more I can do. If you won't accept a smaller amount of {$40.00} or {$50.00}. I will have to speak with the Judge, or get an attorney through the NAACP or reach out to XXXX XXXX XXXX as well as the Federal Trade Commission or make a direct call to XXXX XXXX if I have to because this is causing me real anxiety when I am doing the best that I can with what I have. 

Thank you for your consideration,
Consumer complaint received 2021-06-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

CArrington Mortgage services is harrassing us about a mortgage debt we do not owe. This house was sold and closed on XX/XX/XXXX and the title recorded to reflect new owners. The title company paid the amount owed via the closing statement that was good until XX/XX/XXXX. The title company paid them in full. 

They are now demanding more money, and we do not own this house any longer, nor do we owe any money on this house. They are harrassing us for XXXX dollars stating they will forclose. 

First we do not own the house, second this debt was orginially discharged in a bankruptcy XX/XX/XXXX and we were not legally responsible for any of the money owed on this house. 

The title company we used to sell this house got a closing statement from them which I will attach and they paid them the entire amount owed. We again today received a delinquency letter and threat to foreclose on a home WE DO NOT OWN
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Someone hacked into my online account with Chase. I have a business account, three personal checking accounts, and one savings account. All the money from all the accounts amounting to over {$50000.00} was transferred to a bank in XXXX with over 20 wire transfers. First they transferred all my money from each account into one account, then they wired the funds to some account and bank in XXXX. All the money from all the accounts were taken. I filed a claim report with Chase and filed a criminal report of the fraud. I provided all the information to Chase and they have denied my claim. They some how believe I was the person who took this action but they won't even provide proof. I can provide proof it wasn't me as I have 2 factor authentication on my accounts. My email and phone number never received a 2 factor notification. I have reviewed the XXXX, XXXX and XXXX login activity and no one ever accessed my account and Chase never sent a notification to me. My family is now without any money and Chase is asking for all the wire fees and overdraft charges because they allowed someone in the middle of the morning to wire ALL our money out of the country. We have never wired money out of the country, never gave Chase the authorization or approval to do so either.
Consumer complaint received 2021-06-29
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. (GA)

XX/XX/XXXX, I opened an account with XXXX XXXX XXXX, The Enrollment Fee was {$75.00} And the Credit Line is {$700.00}. 

In XXXX I experienced financial Hardship due to Covid-19 Pandemic ( No fault of My Own ) I followed the requirements of the Cares act & I sought relief from XXXX XXXX XXXX  Due to the Pandemic. 

I was enrolled into their Covid-19 protection plan to which I would not receive any derogatory marks on my credit, however the account may accrue interest. 

Unfortunately XXXX XXXX XXXX  did not follow the Guidelines set fourth by the Cares Act & reported late payments XXXX, XXXX, XXXX, & XXXX of XXXX. 

" The Cares Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. XXXX  XXXX statement informs lenders they must comply with the CARES Act. XXXX  XXXX statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. '' Because of this I have had inaccurate and misleading information published on my credit report & it has damaged my process to purchase a house and effects my very livelihood. 

I have reached out to XXXX XXXX XXXX  Numerous times to rectify the situation and have been treated with rudeness and unwillingness to come to any resolution. I feel that XXXX  XXXX XXXX  and other Predatory Credit Lenders should be held to the highest of compliance and responsibility when it comes to following the Law.