davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, 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. (MA)

XX/XX/XXXX XXXX I do not recognize this credit inquiry on my report, spoke to transunion but agent refuses to help regarding this issue. I have tried numerous occasions to get this deleted still to no avail. 

XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this credit inquiry or this bank as well on my report, spoke to transunion but agent refuses to help regarding this issue. I think my account info may have been sold or possibility of fraud. I tried many waya with transunion no help
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (IN)

I have a hard inquiry on my credit report from XX/XX/XXXX from XXXX in XXXX, Florida. that I did not authorize nor am I a customer of this bank. This inquiry shows up only on one credit bureau ( XXXX ) they will not help me. I called on XX/XX/XXXX and again on XX/XX/XXXX XXXX   they told me I would have to call and make a police report because they will not send me a letter head stating they ran my credit because I am not a customer. How is this even fair? 

Then when I call XXXX on XX/XX/XXXX they tell me i need a report from the bank and myself. I can not get the report from the bank. No one is helping me resolve this issue. Could someone please help in this matter?
Consumer complaint received 2018-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Hello, I would like to file a dispute with you in regards of capital one. 

I filed a claim with capital one for unauthorized charges and they did not resolve my dispute. I am including transactions and dates. These charges were unauthorized and they have reversed charges on my account debiting my account almost {$2600.00} Please help me with this as this is a lot of money and Capital one will not help me any further. I think they are in violation of regulation E. 

They sent me documentation that makes no sense to me and does not prove that I made any kind of purchases with this company. 

Thanks for filing claim number XXXX. 

We received your request to reassert an error on the following transaction ( s ). We finished looking into your dispute and didn't find any errors after checking our records. So, we're denying your claim and closing your dispute. 

As requested, here are the attached docs used to make our decision. 

Transaction Date ( s ) and Amount ( s ) XX/XX/XXXX - {$100.00} - XXXX   XXXX XX/XX/XXXX - {$110.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX   XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$90.00} - XXXX XXXX XX/XX/XXXX - {$23.00} - XXXX XXXX XX/XX/XXXX - {$71.00} - XXXX XXXX   XX/XX/XXXX - {$98.00} - XXXX XXXX XX/XX/XXXX - {$32.00} - XXXX XXXX XX/XX/XXXX - {$40.00} - XXXX XXXX ransaction Date ( s ) and Amount ( s ) XX/XX/XXXX - {$150.00} - XXXX XXXX   XX/XX/XXXX - {$140.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$76.00} - XXXX XXXX XX/XX/XXXX - {$120.00} - XXXX XXXX   XX/XX/XXXX - {$95.00} - XXXX XXXX XX/XX/XXXX - {$140.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX   XX/XX/XXXX - {$50.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX   XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$47.00} - XXXX XXXX XX/XX/XXXX - {$45.00} - XXXX XXXX XX/XX/XXXX - {$140.00} - XXXX XXXX   XX/XX/XXXX - {$50.00} - XXXX XXXX XX/XX/XXXX - {$50.00} - XXXX XXXX
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I secured an auto loan with XXXX XXXX XXXX on XX/XX/2017 for a used car. I have been paying my auto loan on time for over a year and it has still not reported on my credit report. Per recommendation from the car dealership XXXX is required by law to report to the credit bureaus quarterly or I am not liable for the loan. I contacted XXXX and they stated that I would need to file a complaint through the credit bureau. Unfortunately, I am not able to file a complaint on something that doesn't exist on my report. Please assist with this. I have been trying to build my credit back up and I thought this was reporting. If I am not held liable for the loan I would like to see what is needed to do to get out of the loan.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXXXXXX XXXX XXXX should be showing Closed - Never Late. 
XXXX was the servicer of the loan in XXXX when XXXX XXXX XXXX claims that it was late. As you can see from the attached letter. XXXX shows that there wasn't a late payment. Also attached please find a screen shot of my credit report from XXXX showing accurate information how yours should be showing. We were always in forbearance and this account was never late.
Consumer complaint received 2022-02-21
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: EQUIFAX, INC. (NY)

I am writing again in regards with the accounts listed below to inform you that I am the one disputing this. I believe I made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
EQUIFAX has been not complying with Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I learned a few weeks ago some time after my Navient school loans had been transferred to XXXX that Navient reported that in XXXX, XXXX and XX/XX/XXXX that I contacted them and set up payment arrangements which is false. In XXXX, XXXX I was still in school and at that time I was not seeking to make payment arrangements just looking to finish school and I had also had been contacted by the Department of Education regarding the possibility of loan forgiveness due to misleading information from my school. Since XXXX, all of my school loans have been in forbearance due to the loan forgiveness investigation and I have only been waiting to hear how this will end. I have not attempted to set up any payment arrangements prior to after my loans were placed in deferment, forbearance, or under the investigation.
Consumer complaint received 2019-04-26
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Rushmore LM has continually called my cell via an automated dialing system. My phone has prevention of automated or robo calls. Allows to ring once then sends to voice mail. The message left on the voice mail is an automated computer generated voice in violation with Section 5 of the Federal Trade Commission Act, 15 U.S.C. 45 et seq. prohibits unfair or deceptive acts or practices in the marketplace. 

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., ( which is enforced by the FTC ) provides that debt collectors may not, in connection with the collection of a debt, place telephone calls " without meaningful disclosure of the caller 's identity. '' 15 U.S.C. 1692d ( 6 Never is the number have any description of the company name nor when they call me home number. They were removed from calling my cell phone 2 years ago only to contact my landline. This violates laws under both FDCPA & TCPA laws.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TN)

I have a Best Buy store credit card, and was enrolled in the debt protection plan on XX/XX/XXXX. I have a letter sent to me by Best Buy Credit Services that also confirms that date. 

Over the past 6 years they have collect $ 800+ from me for this " protection plan ''. 

I called and cancelled the service in XX/XX/XXXX of this year and applied for a full refund of the funds. I was sent a letter back declining my application for a refund due to : " Account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' I've never once received any assistance from this program, and the above language makes absolutely zero sense. 

I found the document file number : XXXX that is a consent order given to Citibank outlining the exact thing that I was hit with. Page 4, section c states : " 'Affected debt protection customer ' is any person who on or after XX/XX/XXXX enrolled in : Credit protection at point-of-sale terminals or balance protector at point-of-sale terminals at specialty services desks, except for such customers who submitted a claim for benefits pursuant to the respective product 's terms and conditions and were paid a benefit, or who signed and returned to respondent an acknowledgment of membership form after enrollment '' I do not ever remember accepting into the program, and I certainly didn't fill out a membership form. I NEVER received any letters or emails from Citi regarding the {$700.00}  XXXX they were ordered to pay back to their customers. 

I was a XXXX college student, who had to buy a computer in order to finish my education. Of course having a 0 % APR for 2 years is extremely appealing when that's the exact time frame of you getting out and getting a real job. In the 10 years I've had their card, I've never missed a single payment. It disgusts me to find that I'm only one of millions that got scammed out of cash just so a corporation could make a few extra . 

I would give an exact amount, but I can't seem to get a complete lists of all my statements since XX/XX/XXXX from Best Buy. 

Any help in this situation would be extremely helpful. I've called their customer service number many times, but without fail I'm put into a never ending loop of forwarding to departments. 

Regards, XXXX
Consumer complaint received 2018-06-08
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. (WV)

There is hard inquiries on my credit report that were fraudulently done and there is old collections accounts that I disputed forever ago that either do not belong to me or the accounts were charged off at the end/beginning of new year.
Consumer complaint received 2018-04-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (NC)

I'm in the process of purchasing a home when I obtained my credit report. Great Lakes shows my High Credit as {$24000.00} but shows my balance as {$36000.00} ; a variance of $ +XXXX over the credit limit which has a significant negative impact on my score. I called Great Lakes in attempt to either have the balance lowered or High Credit increased but was quickly told by XXXX that there was nothing that can be done and that what they are doing is not illegal although its impacting my score by 60+ FICO points and will remain that way until the loan is paid in full, I have been on time and in this environment there should be some compromise to not penalize consumers who are doing the right thing. The interest is ridiculous and should be illegal. Please review and XXXX sit me to get some answer to my concerns and possible some reconsideration of this way this trade line is reporting
Consumer complaint received 2022-02-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (ME)

Complaint purchased a house, XX/XX/XXXX, on an illegal lot, no disclosure. 

On XX/XX/XXXX I entered into a purchase and sales agreement with XXXX XXXX to purchase the home I'm currently living in for XXXX. I live in Maine. Maine is a full disclosure state. Meaning if I'm buying a house thats on an illegal lot then that information needs to be disclosed to me in my purchase and sales agreement so I can back out or not. Nobody disclosed this, I just found out this information recently. I wouldnt have purchased this home if I was aware there is a material defect on/with the property, illegal lot. Its not worth anything. This is fraud and I've been scammed. Rocket Mortgage is aware of their mistakes and won't do anything to fix it. 

I have documentation to provide my statements are accurate. 

Evidence XXXX. Purchase and sales agreement. Nothing about purchasing illegal lot. Maine is a full disclosure state. I received no disclosure XXXX. Property Description from taxes accessor 's office. XXXX acres it what I received. 
XXXX. Email between Attorney and City of XXXX XXXX regarding Urban Residential Zone lot standards developed in XXXX. XXXX square feet is the standard. My house in on XXXX. I'm on an illegal lot with no disclosure. I'm been scammed and this is fraud. My documents don't match what I got.
Consumer complaint received 2023-04-18
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. (NY)

as of XX/XX/XXXX i have noticed fraudelent accounts on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$18.00} {$18.00} {$18.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$610.00} {$610.00} {$610.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1000.00} {$1000.00} {$0.00} Credit Limit : {$1000.00} {$1000.00} {$1000.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-04-26
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. (MO)

After being a victim of identity theft I'm disputing the unknown, unauthorized accounts that's reporting on my file, and the data is currently being updated as if the fraudulent illusion was accurate. However, I'm demanding that these accounts be blocked immediately and the data reporting be stopped and removed, unless the credit reporting agencies can produce a legal certified tangible document that binds me is such signed contract, until then I'm loudly demanding that the following accounts be removed, ( # 1 ) XXXX XXXX XXXX {$1500.00}, ( # 2 ) XXXX XXXX XXXX  {$130.00}, ( # 3 ) XXXX XXXX {$13000.00}, ( # 4 ) XXXX XXXX XXXX, ( # 5 ) XXXX XXXX XXXX  {$350.00}
Consumer complaint received 2019-04-26
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. (TX)

Have been trying to use online dispute processes for TransUnion, XXXX, and XXXX, I have log ins for all of them yet I cant get any of the links to work, or I get a message that I should try again later. When I was successful, all I got was that the investigation meets FCRA, but received no confirmation that the debt was legitimate.
Consumer complaint received 2019-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (OH)

Suntrust is refusing to apply payments to my account, showing that I am in default of my loan or much more late than is actually accurate. On XX/XX/XXXX, the payment for XX/XX/XXXX was credited. ON XX/XX/XXXX, XX/XX/XXXXwas credited. On XX/XX/XXXX & XX/XX/XXXX, payments on {$1000.00} each were made and were not credited to my account. Those were payments for XX/XX/XXXX and XX/XX/XXXX, thus bringing the loan current. As of today, Suntrust is holding {$2100.00} in a " suspense '' account. If they were to actually apply these funds as they lawfully are supposed to, my account would show as current. I currently only owe XX/XX/XXXX, which I will pay tomorrow, but it is not the end of the month yet so I am not 30 days past due but Suntrust is showing almost 90- days which is quite inaccurate.
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX did not provide enough information. I am in too much pain, I am currently injured due to a surgeries I had a couple months apart. Why should I have to do a lot of running around spending more money and stopping my bed rest because this company are unable to comply with my request. They have send letters to me about a debt they are trying to collect and call me, but it so hard to screen shot take a picture, scan and send they documents here. Its not hard for them to do this? You are the company reporting on my credit report, you are the company trying to collect a debt I should not have to get a police report, go to the places you want me run around to that is out of my county in windy cold air that causes more pain to my infected wound from recent surgies for they debts you are trying to collect may get dismiss because you have no additional proof. You do n't have the most important part of the debt ( s ). Please provide the documents here : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay or a contract? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 


State the amount of the debt when you obtained it, and when that was. 

Best regards XXXX XXXX XXXX ( currently injured ) If proof is needed I will open another complaint here to prove it. Now you prove these debt ( s )
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (GA)

This collection company know very well this account is not my account ; however, and this account is fraudulent, or someone working at a credit bureau. However, it didnt matter to them because it is vengeance, and revenge against me for filing a complaint before, and letting other consumers know the fact. They are disturbed at me, and worried about saving their brand, and not helping the consumer. 
They are strongly aware that nothing will happen to them since they believe they are too big to fail. I am forwarding this complaint to XXXX XXXX, and seeking her help to stop this criminalizing against consumers. 
I am filing this again because they admonished, and castigated me for filing an earlier complaint. Pro Collect, and these bureaus are mafias and gutless wonders! Why would they put these negative accounts on my credit file that doesnt belong to me, except mere retribution? I faxed my credit report, two police reports, and F.T.C. fraud affidavit to XXXX XXXX for protection. 
They are too stubborn and too crooked to satisfy the consumer. They are too concerned about these credit bureaus, and this companys brand at the expense of consumers. This is very sad, and they must punish.
Consumer complaint received 2018-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, Transunion and XXXX attached please find complaints I have filed against two collection agencies who violated FCRA in their response to your investigations of the fraudulent accounts they, XXXX XXXX and XXXX XXXX XXXX, placed on my credit reports on/about XX/XX/XXXX and XX/XX/XXXX respectively, which I disputed but they replied that they had verified the accounts when they had not. As such, in violation of the FCRA, XXXX XXXX AND XXXX XXXX XXXX willingly and knowingly gave false and inaccurate information in their responses to those disputes, in their responses to the disputes I filed against you and them through the CFPB and in their response to the complaints I filed specifically against them through the CFPBs website after their claiming to you that they had verified the accounts when in fact they had not nor can they because the accounts are fraud.