davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX  XXXX Balance : {$790.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: WELLS FARGO & COMPANY (MI)

My XXXX XXXX XXXX XXXXXXXX XXXX XXXX that I purchased new with only XXXX miles on it taking delivery on XX/XX/XXXX upon trading in my XXXX XXXX XXXX that I purchased new to do so. The XXXX was repossed from my driveway as I went out warm it up in XXXX of XXXX without any resistance from me. ( I do not have the a/c # but I do have all of my original paperwork and will be uploading XXXX documents involving the purchase ) as I believe that now looking over the paperwork after hearing about Wells Fargo on the news made me take a closer look.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I set up automatic payments for the minimum payment to my credit card. My credit card company is also with chase. I made the payment early on XX/XX/XXXX for the amount of XXXX the payment was not due until XX/XX/XXXX. On XX/XX/XXXX the bank made another payment for the amount of XXXX although I did not have that amount of money in my checking account. I called on XX/XX/XXXX when I got a notice my account was overdrawn I called and did a stop payment which they stated would be credited back to my account the next day on XX/XX/XXXX. On XX/XX/XXXX I did not receive a refund I called the bank and they stated the payment already posted and I would have to submit a claim which I did with both the credit card company and the claims department both said it would take 5-7 business days to receive my refund. I called the bank again on XX/XX/XXXX they claim they stated they had no claim submitted on XX/XX/XXXX although I sat on the phone in XXXX for 30 minutes paying international fees to get my money back because I have XXXX dollars in my account. I had resubmit another claim that I would have to wait 24 hours to submit a dispute form to which they ultimately denied without reasoning. I never authorized the back to make this payment I never had the money in my account to make that payment in the first place. Now I dont have any money to pay any of my bills.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXXXXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX  -- -- - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (KS)

I paid my account in full, after I did that I logged in and found I had a credit balance. I emailed them to request a refund. They acknowleged that I was owed a refund. At some point after that, they charged me interest on the balance I had paid off and added a late fee. I've emailed them regarding the error and they replied that the balance was less than what my bill was, but that I still owed it.
Consumer complaint received 2024-08-15
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company (MO)

I was taking part of JG Wentworth Debt Consolidation Program. I had had several times where I would try to contact about issues, with no resolution. I was so fed up with lies I was told from their representatives, from where they told me I could change my payment process and it wouldn't hurt my program, to where I have had to contact creditors on my own to settle a collection agency from suing me. I got to the point where I was able to provide the payoff amount that was provided to me. I made the payment at the end of XXXX in XXXX payments. I was advised by the representative that once the payments were in my account, then they would begin to contact the creditors and negotiations would start. I was told by the representative that this process would take about XXXX weeks to complete. We are now 2 months later and I still have open creditors, that are still showing another month unpaid and hurting my credit. There customer service team is not trained very well. If you look through all of the call logs, I have been told that they have no management that takes calls from clients. But that I would get a call back. I have never received a call back from any management representative since I have started this program. I am at a point where I just want to have resolution of graduating the program. I would never recommend this company to anyone with all of the bad experiences I have encountered with them.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

Chase insists they can not block this clearly fraudulent charge without canceling my card. Since I have a number of automatic payments and contributions on the card, that is an extreme inconvenience. I've tried for several months to get these charges reversed, and though Chase reverses them, they won't block the charges.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (NY)

On XX/XX/2024 I purchased a XXXX XXXXXXXX from a car dealership. Signed the paperwork and contracts XX/XX/XXXX and took delivery of the XXXX a few days later. 

On XX/XX/2024 I notice 3 credit monitoring alerts on my credit report that I didnt recognize or remember giving any type of authorization for. 

Only XX/XX/2024 Im notified that my loan wasnt approved and they would like to send a tow truck to come pick the XXXX XXXX up I bought to commute for work and they would send me a check for my {$4500.00} down payment. 

It is now XX/XX/2024. Im still in possession of the XXXX. I have not received a check for {$4500.00} and/or have I received any type of settlement offer or solution to this issue that would help me in any type of way. I have multiple hard inquiries on my credit report I never authorized that are effecting my chances of even having an opportunity at another auto loan.
Consumer complaint received 2024-08-15
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: SYNCHRONY FINANCIAL (TX)

The number provided on the back of my Care Credit card doesn't lead to ability to contact the company, so even if my card is stolen or compromised the only avenue to contact Synchrony in regards to my card is to use a Chat interface on the website, to which half the time login does not work on desktop PC. 

When calling the number on the back of the card it leads to an advertisement for the " XXXX XXXX '' call pendant for which is auto recorded and leads to no interaction with an agent or any point of contact or information upon the card. 

Number provided on the back of my card is XXXX
Consumer complaint received 2024-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

I have currently contacted the Washington State Attorney General 's Office who is helping. They have also forwarded my complaint to the Washington XXXXXXXX XXXX. I am working with them now. The Washington State Attorney General 's Office suggested that I contact you. 

My loans should have been forgiven in XX/XX/year> under XXXX. I have done everything in my power to explain this to Mohela, who is expecting me to make a payment on XX/XX/year>. I have asked for a forbearance until the forgiveness has been processed and I have been told 60 to 90 days, I am also due a refund as I made 122 qualifying payments. Documented by Mohela on XX/XX/year> as well as through email 's from XXXX XXXX XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (SC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (PA)

XXXX XXXX XXXX XXXX XXXX ( XXXX ) wrongly denied my application because it claimed that I had previously received mortgage reinstatement from XXXX. My mortgage statements did not show that Shellpoint had received any money from XXXX. My attorney sent a XXXX for XXXX and Notice XXXX XXXX under RESPA to Shellpoint on XX/XX/year> requesting information about my account and for Shellpoint to either correct a misapplication of funds from XXXX or miscommunication with XXXX. The letter also requested account information that I need in my appeal to XXXX for mortgage reinstatement assistance. Shellpoint did not respond to the XX/XX/year> letter. My attorney then sent another RESPA letter to Shellpoint on XX/XX/year> requesting the same information and correction of errors. Shellpoint has not responded to the XX/XX/year> letter, even though it has been well over the XXXX business days that they have to respond.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (GA)

According to 15 U.S.C 1681i Section 1A states the FCRA bank system is dependent upon accuracy and fairness. Any inaccurate reports directly impairs the efficiency of the banking system. Also a investigation must be conducted.

Also 15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXXXXXX XXXX acct # XXXX and XXXX acct # XXXX, has violated my rights. 

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.
Consumer complaint received 2024-08-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sezzle Inc. (IL)

This account is reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government? I am requesting that you remove these accounts immediately. This is the XXXX request. I am requesting {$1000.00} for each violation.
Consumer complaint received 2024-08-14
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: CITIBANK, N.A. (CA)

As a Costco Citi Bank XXXX XXXX customer and business partner please require XXXX Pharmacies to responsibility refund this medication payment in the amount of {$660.00} back to my Costco Citi Bank XXXX XXXX ending XXXX and request their payment through my XXXX XXXX XXXX father in laws XXXXXXXX XXXX. 

On XXXX I attempted to open Costco Citi bank XXXX dispute # XXXX through the on-line application but was redirected to contact customer service via XXXX as a satisfactory description transaction was offered through the website. 

On XXXX via XXXX  I referred to several customer service representatives that could not confirm the correct dispute transaction code through the on-line portal and didn't understand their internal on-line dispute procedure. I was ultimately referred to XXXX, Subject Matter Expert whom coded the dispute transaction as multiple payment method. I explained to her that to my knowledge the merchant had not been paid by multiple sources yet. She acknowledged my concern but as Costco Citi Bank XXXX Subject Matter Expert she filed my dispute as multiple payment methods. This is incorrect as I explained. 

The reason for the dispute as I've explained is XXXX XXXX in XXXX XXXX required me to pay upfront via my Costco Citi Bank XXXX Credit Card for critical, prescribed, proprietary medication while knowing they were the only supplier in possession of this medication in XXXX XXXX, CA. They also knew my XXXX XXXX XXXX father in laws critical need for this medication and him having valid healthcare insurance available for payment of this medication in their system. 

On XXXX Dispute was denied by Costco Citi Bank XXXX.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

On XX/XX/year> a court hearing was held within XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was present for said hearing, however Portfolio Recovery Associates LLC did not show/attend. A default judgement of dismissal was issued on my behalf. On XXXX XXXX Portfolio Recovery Associates LLC filed another law suit against me for the same matter that was dismissed on XX/XX/year>. This legal tactic is both XXXX and XXXX and violates the law and my rights.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXXSageStream used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXXSageStream reported my private nonpublic and personal information to affiliated and non affiliated third parties without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2024-08-26
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: Certegy Holdings, LLC (MI)

XX/XX/2024 I XXXX, XXXX sent a verifiable request to CERTEGY PAYMENT SOLUTIONS LLC by certified mail for a copy of my FULL FILE DISCLOSURE including a copy of my US PASSPORT and a bank statement for address verification. XX/XX/XXXX  I received a letter titled consumer file disclosure which didn't include my FULL FILE. Also, the government issued id # listed on this notice is unfamiliar to me and not attached to me in any way. All information required to request a full file disclosure was submitted with the original request. Please review all attachments as this is a 2nd attempt to request my FULL FILE DISCLOSURE from CERTEGY PAYMENT SOLUTIONS.
Consumer complaint received 2024-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (TX)

I have previously contacted JP MORGAN CHASE AUTO regarding this billing error, I've contacted them through the contact information provided on my paperwork, through phone calls, through mail, and the problem has not been resolved. I've sent letters to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XX/XX/XXXXXXXX JP MORGAN CHASE & CO BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX JP MORGAN CHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX JP MORGAN CHASE XXXX not limited to ALL EXECUTIVES with a responsibility to discharge debt according to their filing with the SEC. I have communicated with them over the past year and half regarding the discharge of the auto loan account I have with them, providing a copy of the 1099C IRS form. To discharge the entire amount of the account and to refund me my legal tender made to the organization since XX/XX/XXXX, transfer the security interest of the certificate of indebtedness to my US Treasury Account according to the SEC ACT of 1933. Executive Office sent me a letter stating they did not accept legal form 1099C or any terms I have mentioned.
Consumer complaint received 2023-04-04
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. (NJ)

Due to a recent investigation of my credit profile I was informed of the suspicion of someone possibly having access to my SSN. My SSN was lost during my time in high school and i was issued a new one around XXXX 

Hard inquires that i dont recognized, didnt authorize or dont remember applying for are ; 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX