davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Franklin Credit Management Corporation (CA)

We had entered into a repayment plan after XXXX. The state helped us with the first mortgage and advised us to ask for a forbearance, modification for the 2nd. Franklin/Bosco said all they could offer is a repayment plan doubling our payment to over XXXX down with a down payment of over XXXX. We were not given any other option so agreed. We tried as long as we could to maintain but soon fell behind as now we had two basically pay two payments a month. I asked for a revision as I was laid off no response. Then we get a foreclosur letter. I reached out to our first lender who said they were never notified. I called Franklin initially he said that they cant keep changing our plans when our financial situation changes but the reality they never offered a feasible solution like our other bank just to double up on payments to over XXXX a month.After a lengthy conversation the rep placed me on hold said I could resubmit a loss mitigation plan but that would not halt the foreclosure? Weve consulted with attorneys and local tv stations as they have had many complaints. Were only asking for fair accommodations as we dont want to have to file Bankruptcy being that were over XXXX I feel as if there is age discrimination here too. We just want help a realistic payment plan not one which sets us up for failure. Weve also reached out to Biden Administration and Bosco- please help. Were grateful and never intended for this to happen but with deaths, illnesses, natural disasters, loss of jobs, XXXX XXXX XXXX and age discrimination we have gone through it over the years.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (RI)

Lender : Citibank Card Account : XXXX CFPB : I been fighting this inaccuracy since XX/XX/year>, when I first got wind of the inaccurate reporting on my file. 
XXXX I called in and spoke to Customer Rep named, XXXX ID # : XXXX She transferred me to another rep named, XXXX ID # XXXX. She was extremely rude so I ended the call. 
>>>At this time I had a balance of {$110.00} > I called back to pay it in full on XX/XX/year>, XXXX When I called on XX/XX/year>, I spoke to Customer rep XXXX ID # XXXX about paying my balance. She forwarded to the collections dept. there I spoke to XXXX ID # XXXX. She had to transfer me over to another dept, > ( Recovery Dept ). 

Recovery Dept : Rep XXXX ID # XXXX She tried to force me to pay by mail which I wanted to pay over the phone. XXXX forwarded me to another rep, New rep is XXXX ID # XXXX. 
> She said she can take the payment over the phone., but transferred me another rep. 

> New rep named XXXX ID # XXXX So I paid it with him with my XXXX XXXXXXXX checking account ending with XXXX. 
So now the account is paid in full as it was closed back on XX/XX/year>. It has a {$0.00} balance. 
Time paid : XXXX Acct ending in : XXXX Confirmation # is : XXXX > I called back to dispute the inaccuracies and spoke to rep named, XXXX ID # XXXX. She told me to write a letter which I did on XX/XX/XXXX, XXXX. 

XXXX Again on XX/XX/year> I called in to dispute the inaccuracies. I was greeted by the rep XXXX ID # XXXX. 
She connected me to the correct. 
XXXX New rep, XXXX ID # XXXX He was very helpful. He said the payemt for the balance posted and their is a {$0.00} balance. He is also said he sees the huge discrepencies in the reporting and said he would do an internal dispute, that internal disputes are stronger than a customer dispute. So, he disputed the XXXX late payments. 

> Fast forwarding, those 3 late payments are still on my report and haunting me. Causing me to be denied. 

According to 15 US Code 1681i Responsibilities of furnishers of information to consumer reporting agencies. 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. 

I have a right to a fair and accurate credit report. ANd becuase of the problems I have been having for going on for 2 years with these inaccuracies, this account should be deleted. 

Matter : My XXXX, XXXX, and XXXX were ALL ON TIME payments. Then how is XXXX  120 days late, XXXX 150 days late and XXXX  150 days. How can that be? 

I look forward to a favorable outcome in this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2024-08-02
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened a BANK OF AMERICA Checking Account XX/XX/XXXX. 
I transferred $ XXXX from the Checking to open a BANK OF AMERICA Savings Account XX/XX/XXXX ( because bank rep told me it was safer not to leave all the money in a single account ). 
I intended to park the funds to buy a house in Georgia once I recovered from my XXXX XXXX. I only had online statements, but I setup alerts > {$100.00} and locked my cards/accounts. My card is still in my possession. 
Someone began withdrawing funds @ Teller from the Checking Account on XX/XX/XXXX ( while I was still in XXXX XXXX XXXX  ). 
Someone began transferring funds from Savings Account into Checking Account on XX/XX/XXXX, then continued withdrawing the combined funds @ Teller from the Checking Account. 
My alerts never triggered because fraud was @ Teller ( In Person, Counter ). 
Fraudulent activities ended XX/XX/XXXX. 
Once medically cleared, I started looking for a home which is when I discovered the theft ( XXXX XXXX ). I contacted Bank 's Fraud Dept and was told to get an attorney. I have been unsuccessful in retaining an attorney, and I'm now missing over $ XXXX combined. How can I recover my money?
Consumer complaint received 2024-08-02
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. (MO)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-08-02
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)

THESE HARD INQUIRIES  ARE FRAUDULENT AND DOESN'T BELONG TO ME AND NEED TO BE REMOVED. ALSO THE XXXX  AS WELL . THANKS



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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

on XXXX XXXX XXXX XXXX XXXX XXXX  Tuesday on a recorded call I the consumer spoke to XXXX he tells me that he was instructed to not delete anything and continued to yell over me so I asked for a Supervisor.. " Supervisor '' Name XXXX she was really rude and didn't want to give a last name, I called to remove non mailable addresses and other inaccurate information that was being furnished on my consumer report. According to Experian website " Disputing personal information since names, addresses and employers don't affect your credit score, consider disputing only clearly INCORRECT PERSONAL INFO '' AND ACCORDING to Fair Credit Reporting Act 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. " Supervisor '' XXXX TELLS ME THAT LAW DOESN'T APPLY TO EXPERIAN and that the Companies that are reporting the information has all rights to do so, I then told her I didn't gave Experian any written instructions to repost this information she started yelling and talking over me saying they have the right to do so and Experian will not delete any information unless the companies that reported the information say so and I ask to speak to her boss she then told me she's the highest in the company and hung up,
Consumer complaint received 2019-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/2019, I initiated a transfer via XXXX from my Citizen 's bank account in the amount of {$610.00} to my XXXX  XXXX XXXX Checking account. I received confirmation that the amount was sent and I accessed my XXXX  account a few minutes later when I didn't receive a confirmation email from either bank. The funds were not in my XXXX  account so I checked my Citizen 's bank account again and on the activity page it showed that the payment failed. The funds were not back in my account. I contacted Citizens Bank  concerning the matter and they advised me that XXXX denied the funds and when they receive them back they will credit it back to my account. Since then I have been sent back and forth between XXXX and Citizens bank to different departments and I still do not have my money back in my account. Each bank blames the other and now I have no funds to go to work or my weekly physical therapy appointment. This has been a nightmare and neither institution seems to care or know where my money is. This is the 1st day that I have missed from this situation and I will not be getting paid for this missed day.
Consumer complaint received 2024-08-02
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. (GA)

This morning, I found unauthorized inquiries on my credit report, and I'm unsure why. While checking my credit report as I normally do, I noticed discrepancies that werent there before. Refreshing my browser didnt remove the unauthorized inquiries. Therefore, I request a detailed check of my submitted documents to avoid this problem in the future.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-04-06
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I ended my XXXX lease in XX/XX/2023, making every payment on time, and left with a XXXX balance. Now, nearly nine months post-lease, Chase Auto dares to report a late payment? This is not just wrong ; it's an outrageous mistake that's costing me over {$1000.00} daily on a critical business purchase. I won't sit back and wait for some leisurely " reinvestigation '' process. 

This incorrect reporting is blatantly false and a severe impediment to my financial standing, necessitating immediate, expedited dispute resolution. You've got my number ; I expect a call NOW to rectify this error, confirm the deletion of the erroneous JPMCB AUTO entry starting with XXXX, and ensure it stays corrected unless it can be proven with utmost accuracy. Time is money, and I'm not here to lose either over your incompetence. Act swiftly!
Consumer complaint received 2024-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (WI)

This is a result of XXXX XXXX opening up several fraudulent utility accounts under my name and attempting to collect the owed amounts via various collection agencies. 

XXXX XXXX was already notified, along with the previous debt collection agency that this was fraud. Furthermore, all 3 credit bureaus were notified and I filed various identify theft reports. 

However, XXXX XXXX continues to harass me and trying to collect money on accounts I never opened. In addition, as previously reported, they failed to go through a proper identity verification process for the accounts they opened and clearly have horrific business practices. 

This company should be throughly investigated and if they continue to harass me through collection agencies, I may be forced to take legal action.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

( See attached PDF for details ) Wells Fargos credit card division has created an online account summary and payment system that reflects Payment Due Dates and Past Due periods that differ significantly from consumers original credit card agreements. 

Furthermore, Wells Fargo customer service employees often reference the dates associated with this online system while communicating with customers, reinforcing the misaligned information noted above. 

This serious discrepancy results in derogatory credit reporting and unnecessary late fees, potentially impacting thousands of Americans who utilize Wells Fargo credit cards.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023 I sent 2 money orders that I purchased thru my checking account with chase bank. One for ( XXXX ) XXXX XXXX, and the other one for ( XXXX ) I sent them thru the mailbox, days later my landlord reached out to me and adviced that he has not received the rent money, therefore I went to the bank and asked for help and they opened and investigation to help get this resolve, they found out that someone stole it and cash it, I sent over all documentation that they asked for, for the past 6 months they have been asking me for multiple documents even the ones that I previously sent them. I received a letter yesterday requesting more information and they want a picture of the money order that was stolen, I asked the representative how is this possible if the money order was stolen, I submitted this claim on XX/XX/2023, 6 months later and I have yet get any resolution from chase bank.
Consumer complaint received 2024-08-02
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 sent a letter onto remove items that is UNKNOWN to me. I came across this law XXXX  and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I am planning a trip to XXXX for the school. They did not allow us to use their credit cards so I had to pay the airline with my credit card. The auditors don't want the check to be written to me. They write it to the credit card company. I have to wait for the charge to appear on my card and then print out a receipt, fill out paperwork and submit to the office. The class treasurer, the principal have to approve the disbursement. Then the secretary writes the check. They do this process once a week so if you don't get it in before that week you have to wait until the next week. Then I have to go to the post office and mail it. My due date was XX/XX/XXXX. I went to the post office so I could mail it certified mail on Tuesday XX/XX/XXXX. It was getting mailed to a place less than a XXXX XXXX XXXX from my house. I also have the return receipt. The credit card company posted interest from it being late on XX/XX/XXXX. They charged me {$530.00} and change. I called on XX/XX/XXXX the first time and was given the run around. I called back on the XXXX and was told it was declined. I called back again a few days later and another woman told me it was escalated and they were waiting for an answer. It should take 7 - 10 days. As of today XX/XX/XXXX I have not had an answer. I asked them to drop the interest charges because the school will not pay it. I paid the entire amount off that I had charged.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Experian, XXXX XXXX XXXX DELAWARE CO DRS, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Transaction history is illegalaccording to 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( d ) Consumer Report. ( 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 theconsumerand thepersonmaking the report VIOLATION OF 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 

AND Privacy Act of 1974 ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Consumer complaint received 2024-01-06
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. (CA)

In accordance with the fair credit reporting act XXXX  accounts, # XXXX, # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. estatus I have the right to privacy. 
15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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. (MD)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX