davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
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 (CA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX double times with same dates. 

SYNCB Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2021-04-22
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: Professional Debt Mediation, Inc. (TX)

This company agreed to do a pay for delete, and refused to remove from my credit and a verbal agreement which in the state of Texas by law is a legally binding agreement. They have sent in false documentation to the credit bureaus with no company logo or letter head and address to qualify the company as valid to validate the removal of debt. I was lied to by XXXX XXXX and told that it would be deleted in 72 hours. I was also sent a letter of deletion that a fourth grader couldve made from XXXX XXXX. I was also told by the manager their XXXX that it would be deleted. I was told a manual deletion had been done twice, and it had been reported as deleted three times to the credit bureau. The company is lying to me as a consumer with false statements and they are also in direct violation of the FDCPA. This company needs to be investigated by the Federal Trade Commission immediately. The unjust and unethical practices are against federal law and Texas state law. I will be pursing legal action in small claims for for distress and losses. I will also be suing for the same in Texas state court for violation of the FDCPA
Consumer complaint received 2024-08-22
Product: Credit reporting 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. (TX)

Since XX/XX/2024 I have requested that TransUnion provide me with either a current credit report that reflects current day or a document that reflects what is currently being disputed on my report.. I filed a dispute on 2 items that I have to show proof of the dispute from TransUnion to XXXX TransUnion has continuously gave me the run around transfer from support to consumer reporting and back and forth. the reps are rude and not helpful at all. I have called numerous of times and spent countless of hours on the phone with them following dates XXXX-on the phone XXXX no resolutions XXXX the phone XXXX hrs -no resolution XXXX the phone XXXX no resolutions all I need is a current report or letter stating what is actively being disputed so I can continue to request funds for my XXXX. XXXX and XXXX provided the info TransUnion hasn't please help.
Consumer complaint received 2021-04-22
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. (NV)

I was a victim of identity theft. XXXX XXXX leaked my information and someone opened a XXXX XXXX XXXX card. I was notified and cancelled the card and froze my credit. I also filed an identity theft report with the FTC. XXXX XXXXXXXX XXXX cancelled my account and said because it was fraudulent they would take it off my credit report. I disputed this card on my credit report and XXXX  sided with them and will not remove this card from my credit report.
Consumer complaint received 2021-04-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX and Transunion - XXXX XXXX XXXX  XXXX. 

XXXX  and Transunion are providing mortgage lenders reports using the older version of the mortgage fico score, resulting in the denial of mortgage opportunities to minorities. XXXX  is using Fico Score XXXX, Transunion XXXX XXXX XXXX, and XXXX  XXXX Score XXXX. In mortgage lending the lender is looking for three scores, however, I think that looking at three scores that are coming from three different algorithms is not fair to the consumer. XXXX and Transunion prefer to use these older versions to deny access to XXXX with lower credit scores the American dream of homeownership. This behavior and practice are unacceptable.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I am a XXXX XXXX who became injured after serving on XXXX deployments with the United States XXXX. Unfortunately, I had to receive XXXX on a military related XXXX in XX/XX/XXXX, that caused me to remain out of work up right before XXXX. I am thankful that PennyMac placed me on an unemployment forbearance plan that ended in the middle of XXXX in XX/XX/XXXX. However, I was affected at work by an hour decrease from XXXX hours to about XXXX XXXXours per week around XX/XX/XXXX. I informed PennyMac of the reduction in hours, and was offered two options : pay the lump sum owed from the unemployment forbearance plan or enter into a repayment plan. I chose the latter option while I was still struggling because I was not made aware of a COVID forbearance plan after informing PennyMac of my COVID-related financial issues. Moving forward, I made all six of the repayment plan payments on time and was still reported late for three of the six payments. I have been pursuing PennyMac with numerous requests and phone calls to remove these late payments initially in XX/XX/XXXX and consistently since XX/XX/XXXX. I informed the company that is the only obstacle that is keeping my family and I from closing on a home. If PennyMac does not remove these payments, we will be another homeless family on XXXX XXXX. I tried to reach out to several supervisors, but the agent ( XXXX ) on the phone either hangs up on me or asks " why do I need to talk to a supervisor when I will get the same answer? '' I even reached out to the President, XXXX XXXX on XX/XX/XXXX. 

I have attached the four months of statements between XXXX and XXXX. In the months that I was reported late, the statement reflects a lump sum owed even though I was on the repayment plan and the payment was already made. The XXXX payment due XXXX XXXX statement ) reflects the repayment plan notice on the statement and shows the correct amount due. Therefore, I was not reported late for XXXX. Yet, I was reported late for XXXX, XXXX and XXXX XXXX skipping XXXX XXXX. How is this possible when all payments were made on time. Even without the CARES ACT in place to protect consumers on a COVID forbearance plan, this is clearly an error on Pennymac 's part. Even so, as a XXXX XXXX who fought for this country, PennyMac should not give me a hard time with removing these three lates considering the circumstances of being XXXX while experiencing the hardship of COVID alongside everyone else. My family is in dire need.
Consumer complaint received 2021-04-22
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: EQUIFAX, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-04-23
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: Shellpoint Partners, LLC (MD)

Ditech Financial LLC is showing a closed account ( charged off in XX/XX/XXXX XXXX on my credit report. I have contact the company on XX/XX/XXXX and they confirmed to me they do not have record of my SSN or name. They told me I do not have an account with them but they could not assist me. I would have to contact the credit bureaus. I have since contacted the Credit Bureaus and it has been taken off my report from all but XXXX This is not my credit information. I was told by a rep at Ditech that they are a sister company of Shellpoint mortgage.
Consumer complaint received 2021-04-22
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. (FL)

Hello In XX/XX/XXXX I was involved in hurricane Michael and lost my home and my job for about a month or a little longer. I contacted XXXX XXXX  and they allowed me to make payments when I could and said due to my circumstances it wouldnt affect my credit. I was in contact with them for months. Well in XX/XX/XXXX XXXX XXXXl was bought out by XXXX XXXX XXXX XXXX. I wasnt notified well let me clear that up I want aware due to still not having a home so I didnt get any mail. Fast forward when I found out in XX/XX/XXXX due to me checking my credit card I saw I had received a late payment remark. I called around and ended up getting in contact with someone at XXXX XXXX. They told me to make a payment to get things cleared up after I told them my situation and the agreement I had with XXXX. I called XXXX XXXX again in XX/XX/XXXX since I was due for a deferment and I was told again it wouldnt affect my credit. I made a payment in XX/XX/XXXX. XXXX XXXX made another mistake by hitting me with XXXX  30 day late payments on XX/XX/XXXX and XX/XX/XXXX. I have contacted them several Times to fix this and they have refused. I finally decided to send a letter To the credit bureaus on XXXX. XXXX to verify my late payments that were put on my credit report falsely. Equifax out of all 3 bureaus are they only ones who have responded since XX/XX/XXXX. They did not send me anything that they verified the late payments Were made. They only sent a letter back saying yes we verified. I have never denied that the XXXX XXXX account wasnt mine. I sent two certified letters asking them to verify and check and remove the late payments of XXXX XXXX failed to send over proof that all of the missed payments were made. Equifax has failed to provide proof of my rights. XXXX  and XXXX  has not even responded to my letters that I sent in XXXX and in XXXX by certified mail. Im asking my late payments to be removed if XXXX XXXX XXXX  fails to yet again provide the proof that all of the XXXX late payments are accurate. This has really affected my life and giving me a chance to give my kids a place to live. Thank you for your time.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (NJ)

On XX/XX/XXXX I purchase {$20000.00} in crypto thru Robinhood app I purchased it at {$55000.00} and Robinhood said I purchase at XXXX, I took a huge lost which I never recover the money to this day, I do have proof of my transaction, I've tried for a week to call them but they don't have a contact info just an automated email that does not answer my question. 
I tried to search the internet of other if this was normal and I found out that I'm not alone on this. Please help
Consumer complaint received 2021-04-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Williams & Rivera Litigation Group LLC (FL)

I have instructed Williams & Rivera LiTI to remove this debt from my credit report. they are still reporting this on my credit as debt even after I have filed chapter XXXX and its been discharge. the vehicle has been included in my BK for XXXX XXXX for a XXXX  XXXX. its listed on my credit report that I owe {$8400.00}. XXXX XXXX is also on my credit report separately to William & Rivera LITI company so its reflecting 2 times on my credit report for the same debt.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

Withdrew {$420.00} ( 2 {$100.00} bills, 11 {$20.00} bills ) XX/XX/2021 from the US Bank ATM outside the XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX location. After withdrawal, I noticed I was short {$160.00}, as {$20.00} bills were dispensed in place of the the {$100.00} bills. I walked inside the branch and alerted the teller that I was shorted by their machine, using their banks ATM debit card. Filed a complaint the following day via their toll-free number, learning I was given misinformation from the branch the day before, that I needed to file the complaint, not the bank. 

After fighting with the bank via XXXX, I spoke with a bank support person on XX/XX/2021, who was able to expedite a provisional credit. Then a second reversal was processed on XX/XX/2021. Both were taken back by the bank on XX/XX/2021, without any notification.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (CA)

I receive e-mails advertising credit cards from spearphishers. Sender is called MilestoneCard Administration. Their e-mail is XXXX. Their ip is XXXX There are always attachments which I avoid. I forward them to the XXXX XXXX XXXX at XXXX XXXX
Consumer complaint received 2021-04-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Transunion refuses to accurately perform dispute investigation. After information was submitted to Transunion as proof of full payment on Account with XXXX XXXX, a dispute was filed. Upon calling Transunion today the representative initially refused to provide details of dispute outcome then subsequently said that they received information that debt with XXXX was still outstanding. THIS IS INACCURATE/INCORRECT info. When asked to whom they spoke with at XXXX XXXX the Transunion rep stated that they recieved paperwork with no name, number or signature. Transunion is reporting false information on my consumer report which has negatively impacted my credit score. I see this as not only an FCRA violation. Both XXXX  and XXXX have both updated the XXXX XXXX account to paid in full. I have return receipts that Transunion has received proof that this account is now at a XXXX balance.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC (NY)

Selene Finance refuse to adequately report monthly payments to ALL credit bureaus which lowers the consumers credit score and make it difficult to refinance away from this company. I have contacted the company more than 10 times respectfully requesting them to report, AND update my credit reporting by submitting on time payments. This is the list of missing payments. 

XXXX Monthly Missing Payments : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX Monthly Missing Payments : XXXX, XXXX, XXXX ONCE again please report payments to ALL credit bureaus. What Selene Finance does is send a lengthy letter explaining the history of my mortgage and NEVER correct the reporting. This is hindering my score to improve which enables me from refinancing. If this continues to damage my credit score I will have no choice but to seek assistance legally. I can not refinance with this negative reporting. So unfair to a consumer..
Consumer complaint received 2021-04-22
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. (VA)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2021, I purchased a round trip bus ticket ( XXXX ) from XXXX XXXX, Texas to XXXXfrom XXXX to XXXX XXXX Texas. Unfortunately, I only used the bus ticket from XXXX back to XXXX XXXX, Texas on XX/XX/2021, not the bus ticket from XXXX XXXX, Texas to XXXX Texas for XX/XX/2021. 

Therefore, I requested a refund from the merchant XXXX which was declined. I reached out to BBVA USA to process a claim for the unused portion of the ticket which was over {$25.00}. And the BBVA also denied my dispute XXXX # XXXX ) which doesn't make sense. All consumers are entitled to a refund, especially if the ticket was unused.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

In XX/XX/XXXX, my husband and I applied and were approved for an RV loan through a local dealership. About 3 weeks later, my employer received an unemployment claim filed in my name. She responded to the claim that it was suspected fraud and I immediately notified PA Unemployment and filed a fraud report which resulted in the case being closed and no benefits issued. I have credit monitoring and put a fraud alert with all 3 bureaus as a precaution and after thoroughly checking all reports, did not see any suspicious activity. 

Today, XX/XX/XXXX I received a notification from XXXX XXXX that a collection account had been added to my XXXX report. After logging in, there is a collection for Convergent Outsourcing on behalf of XXXX for {$920.00}. I have never had, or applied for any XXXX accounts or services. This is a case of identity theft and I need the account removed from all credit reports. It is causing undue hardship on my credit, especially as my daughter is starting college in a few months and we may need to obtain financial assistance, such as loans for her education.
Consumer complaint received 2021-04-22
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. (MD)

My credit score has dropped considerably since XX/XX/XXXX. I have no past due payments. I filed a dispute with Equifax on XX/XX/XXXX. Results of this dispute were provided on XX/XX/XXXX. The results only referenced past due to which, I don't have any. I called Equifax XX/XX/XXXX at XXXX EST XXXX  ad was advised there are other factors i.e. : length of time having the account etc. This particular factor length of time makes no sense to me as my score went down as this duration of time was extended. I am assuming these factors apply to XXXX  and XXXX as well.
Consumer complaint received 2024-08-22
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-22
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. (CO)

XX/XX/XXXX around XXXX, I was called by a person stating he was calling for XXXX and that my account was being charged for a new XXXX XXXX. He instructed me to go to the XXXX  site and type a web page-my computer immediately locked for ransomware.. I was transferred to another person who stated that for {$490.00} they would unlock my computer. I gave them my XXXX XXXX that was declined and they specifically asked for a Chase bank card. My computer unlocked but it was clear they were installing spy ware so I shut down the computer. I immediately called Chase and told them that this change was fraudulent and they should stop payment. They said it was not posted yet so they could not do anything until it posted which it did the next day, XX/XX/XXXX and the charge was {$470.00}. I called first thing in the morning and was told they could not do anything. The vendor was XXXX. After multiple calls I reached XXXX who said that it was not processed and emailed me confirmation. I started an appeal with Chase who said that the charge was valid. This should have been stopped when I first called. This was XXXX  and I believe Chase bank is facilitating this type of fraud. I appealed again and was told that I received the service from the merchant. I guess fraudsters are also merchants. 
I have used a Chase card for probably 35 years or longer and never protested a charge before. Would it be possible for you to contact them to get them to cease and desist assisting fraudulent transactions. I would be happy to provide written details and any other information. I am a XXXX senior.. Please help.