davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Activehours (TX)

Earnin is an app that lets you do an advance without fees of a traditional payday loan I used the app for a loan in XXXX I asked for a new date but it turned out that I wasnt paid enough to cover the cost of what I borrowed I contacted then several times and no one assisted me or provided any sort of payment plan they just all used the same scripted answer and made me feel even worse. I have tried to work with them to no avail and now I had to take out a very expensive loan with XXXX and I have ten payments I have to make on the loan I took out with high interest because Earnin wouldnt work with me and instead was willing to have the item bounce or cause me to go overdrawn with additional fees.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-07-04
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

installation of solr panels in XX/XX/XXXX and than getting very high electricity bills what I was told there would be NO ELECTRICITY bills at all. I keep requesting no response from XXXX XXXX XXXX XXXX XXXX  at all. Solar panels disconnected still i am getting bills from XXXX ITs false representation and till today since XX/XX/XXXX I complained to CFPB no response yed. 
Kindly help
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The payment details for this account are entirely wrong. Having automatic payments on my card means I can't be late. Correcting this mistake is crucial, so I'm asking for swift action to fix and completely remove this late status. Your quick attention to this matter is highly appreciated. Thank you. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-27
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I Called XXXX XXXX to change a flight. 
The XXXX employee was part of a fraud and transferred me to a third party company that Fraudulently charged my XXXX XXXX XXXX  card on XX/XX/2023. 
XXXX XXXX XXXX  Refuses to Deal with my Dispute.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-04
Product: Credit reporting 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. (FL)

Someone has been trying to get accounts in my name without my consent this has been going on for years now. 
Companies 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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX of XXXX, i called chase customer service to report un authorize transactions. I was told a claim was filed. a week after i called back to follow up. I spoke to XXXX ( representative ). she said that the claim was closed due to incorrectly filed. that same day XXXX was able to assist me to open a claim and I went to the nearest Chase brach to verify if it was correctly opened this time. i also requested the bank if i its possible to close the account and re open a new one and change all the Credit/debit card since i'm no longer comfortable using it. i was told that the account can not be closed only restricted since a claim was opened. Since XXXX, I don't have access to my online account until recently in XXXX, they reinstated my online access. Every week i called customer service to follow up my claim and XXXX ( claim department representative ) he was assigned to help me with my claim. he told me that my claim was denied due to these reasons : theres no changes made to the account information nor device registered on the account. i also asked him how come nobody notified me of the transactions? no email, text or call received from Chase to verify identity nor grant access to the transactions. normally they will send me a notification to grant access to any transactions exceed {$100.00}. i also asked XXXX, to provide me with a detailed information about the transactions including the receiver name and bank. XXXX only informed me that all he can see is the XXXX bank located in XXXX which it shows scam/fraud bank. he could not provide me with further details to whom it was sent to. Every time i call Chase customer service they would just keep transferring me to different department and mostly have different answers to my questions. the last customer representative told me that someone called me once was they were told they got the wrong number and so they never called back to inform me of the transactions. i informed them that if they can track my account activity, i mostly use it as an emergency fund and recently use it as my savings account since my XXXX was compromised last year XXXX which was link to my XXXX XXXXXXXX XXXX. i informed them to hold all further transactions from Chase. all transactions will be made at the teller.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (PA)

I took notice to inaccurate information on this account from XXXX, victoria secret. 


The first inaccuracy is that the account numbers are reporting differently on XXXX, XXXX and XXXX. This is already grounds for removal pursuant to the fair credit reporting act. The FCRA says that everything must be maintained with 100 % accuracy however, both XXXX and XXXX are reporting the account number [ XXXX ] while XXXX XXXX reporting this account number [ XXXX ]. This is only one account and it can not have to completely different account numbers. You now clearly have reason to believe that the information reported is inaccurate. I also included a screen for further evidence.

The additional inaccuracy is that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report. 

Pursuant to 15 USC 1681b This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late.

I request that you mail me a copy of the complete consumer file that you maintain concerning me and this account after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the accounting records, the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Consumer complaint received 2023-02-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SERVICEMAC, LLC (NM)

My mortgage was being serviced originally by XXXX XXXX during the first half of XXXX ( XXXX ). I then received notification on XX/XX/XXXX that my mortgage servicing was being transferred to Service Mac starting XX/XX/XXXX. 3 months later ( XX/XX/XXXX ) I was notified again that my mortgage was going to be transferred back to XXXX XXXX for servicing starting XX/XX/XXXX. As of today 's date, XX/XX/XXXX, I have only received a single 1098 from XXXX XXXX, showing a loan acquisition date of XX/XX/XXXX. This however is the date that my mortgage was transferred to Service Mac for servicing. I attempted to contact Service Mac for the additional 1098 for the 4 months of servicing ( XXXX ), but am seemingly connected to XXXX XXXX because the automated system notifies me of my most recent payment, almost as if the 2 companies are 1. After speaking to a representative and supervisor I am told they only have the single 1098 reflecting XXXX XXXX. I am needing TWO ( 2 ) 1098s that reflect the correct servicer and interest paid for the period serviced for the XXXX year. All communication I received prior to the transfer confirm I would receive a 1098 from both servicers which hasn't occurred. Please contact me if needing additional information.
Consumer complaint received 2024-07-04
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. (TX)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX The claim number listed above give details of the initial complaint. XX/XX/year> was the day this complaint was initiated today is XX/XX/year> surpassing the 30 day allowing the company to gather the appropriate documentation to counter act my claim. I have already give notice to the company the IRS accepted my 1099a so I am warranting XXXX XXXX XXXX XXXX to preform their obligations updating the account and all reporting attached to my accounts. I have not received any information proving the IRS did not accept my documentation and am requesting the following XXXX XXXX  accounts be removed in good standing and all payments stopped until I receive my consumer portion Copy B of the 1099a allowing me to know XXXX XXXX has done their due diligence in correcting this matter. If XXXX XXXX refuses to provide such documentation due to negligence I am requesting the CFPB completes a formal investigation into this matter and ALL payment are stopped and my account is placed in a due not pay due not collected status until XXXX XXXX submits the proper documentation, I am fully aware all companies dealing with Registered security have an obligation to report all tax document with the grace of having it completed with 3 years of the issuance so if XXXX XXXX wants to wait, my account needs to be placed the proper status without negatively affecting my consumer report.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

There are several accounts on my credit report that do not belong to me. This information was stolen and used without my consent while I was incarcerated and in rehab. I have submitted reports from the FCRA and identity theft affidavits explaining that I did not authorize the opening of these accounts and they should be removed immediately as they are fraudulent. While only some information was removed the other remains.
Consumer complaint received 2022-06-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NY)

I inherited three home equity loans from my father, XXXX XXXX XXXX, when he died on XX/XX/XXXX. I am amicably setting loans with two banks, XXXX XXXX XXXX and XXXX XXXX. But I have repeatedly hit a wall with Fay Servicing, which holds a home equity loan on my parents ' house at XXXX XXXX XXXX, XXXX, XXXX XXXX, loan number XXXX. Fay did grant me several loan forbearances, the last of which expired in XX/XX/XXXX. I have been in touch with Fay regularly since my father died, apprising them of my efforts to meet the loan obligation. I was being treated for XXXX XXXX XXXX in XXXX during the period my father got sick and died and for some time thereafter. Because the treatment made me very ill, I had to stop XXXX  at XXXX XXXX  The XXXX  kept me on to XXXX XXXX XXXX but my income declined to about {$1000.00} monthly, so there was no way I could make monthly payments to Fay. I informed Fay of my original plan to sell my house in XXXX, Ma. in the spring of XXXX and pay off the loan in its entirety around the time the COVID forbearance expired. I subsequently became ill with XXXX XXXX, for which I was treated during a three-month stay at XXXX XXXXXXXX XXXX. Subseqent to that, I came to my parents ' house in XXXX, XXXX, intending to prepare it for sale, at which point I intended to pay off the Fay Loan. I wound up in the hospital in XXXX XXXXXXXX, XXXX for my XXXX again, and a XXXX  was installed. I was in regular contact with Fay during this period, explaining the situation and requesting patience. I am now at my parents ' house, readying it for sale. But Fay has informed me that the home equity loan is now in excess of {$430000.00}. I found a Fay bill in my father 's papers from XXXX XXXX, XXXX showing the total amount of the loan outstanding then was {$330000.00}. The principal must have been even lower when he died, as he made regularly monthly payments between XXXX and XX/XX/XXXX. I called Fay dozens of times this spring to try to negotiate on the amount due and request a payoff document, but got nowhere. I finally wrote the lawyer for Fay and subsequently received a phone call from a vice president, XXXX XXXX, who said Fay would send a payoff document but would not budge on the amount due nor explain why the amount due has risen by about {$100000.00} since XXXX. I believe I acted in good faith with Fay over the past two years while dealing with extraordinary circumstances - my illnesses, my father 's death and the death of my mother on XXXX XXXX. I feel Fay should also act in good faith, taking into account my efforts to maintain communication and my good intentions regarding settling the loan. For the first time since my father 's death, I am no longer dealing with XXXX for a XXXX  XXXX and am preparing to be able to pay off the Fay Loan entirely. I believe Fay should adjust the loan to the $ XXXX-plus figure. XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-07-03
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. (CO)

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquires are 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 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-10-27
Product: Credit reporting 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. (PA)

I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. See below : TransUnion 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