davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (DC)

When making an online, in person, cash withdrawal or cash transfer my card is blocked and declined. My direct deposit arent always reported. I also believe that my funds are being misused by the Financial institute. They have decreased my daily spending limit from XXXX to XXXX. When I asked why I wasnt given an explanation.
Consumer complaint received 2023-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (CA)

On XX/XX/XXXX as I was checking my credit report, my score went down from XXXX to XXXX. 
There are XXXX credit reports for the exact same promissory note for the one and only mortgage of a Home that I own. 

Union Home Mortgage failed to let me know that they transferred the note in XXXX of XXXX and continued to collect payment ( not closing the account ) and XXXX XXXX XXXX failed to give me notice that they are the new Lenders. 

I have yet to receive valid documentation to prove that XXXX ) XXXX XXXX hasn't provided valid documents that the loan was transferred via title company and XXXX ) Union Home Mortgage can't find the paperwork if it was transferred. 

Basically, I have XXXX perfect credit history from XXXX Mortgage Company and the other Mortgage company has said they are referring it to a foreclosure attorney.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Asset Management Outsourcing, Inc. (NC)

Company never contacted me, or wrote me a letter, they opened a derogatory remark on my credit report using dates that are not possibly accurate. It is collection over a hospital bill and I have not been to the hospital in over 3 years yet they list a date this month, that is re-aging and illegal.
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (SC)

I've contacted the company a month after they've received my deferment and forgiveness applications ( 4 ) and they stated, " we don't have them in the system ( or have received them ) ''. Please see attached delivery receipt per USPS and applications. Finally, this is the 3rd time they have refused to process my applications since last XXXX.
Consumer complaint received 2024-05-06
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. (MS)

I originally reached out to the creditors on XX/XX/2024 asking to remove these inquiries that I did not authorize, as well as sent a FTC report. I did not receive any correspondence nor were the inquiries removed. 

Pursiant to 15 USC 1681b ( c ) ( 3 ) : a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-05-06
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)

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 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bounce AI, Inc. (NJ)

On XX/XX/XXXX I disputed with XXXX a crdito that was added to my credit report. On XX/XX/XXXX a collector was added to my report on behalf of the creditor I disputed. I submitted another dispute for these two items as I never received any documentation pertaining to these debts. XXXX decided that the disputed items were to remain on my credit report to which I requested a dispute process from them. I also send letters to the collector with no response. On XX/XX/XXXX I disputed again based on the fact that this lender and collector dont reply to my quest of a debt verification letter. But XXXX refuses to provide any information and I cant anything from the collector or lender.
Consumer complaint received 2024-05-30
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: AMERICAN EXPRESS COMPANY (GA)

American Express mails me unsolicited credit card applications several times a week.. I've tried to opt out but they refuse to remove me from their mailers.. I just to spoke to a supervisor and would not remove me from mailers as of today XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My initial call was of a charge-off placed on my credit report. { XXXX XXXX }. After discussing that matter the service representative asked can they assist me with anything else. I informed her that I noticed that criminal history was on my credit report I would like to have it removed. She stated that I would have to send a letter requesting that I have it removed. I became irate and asked her, are you serious? Your company didn't send me a letter asking me permission to put my information on my credit report. And now you are saying I must submit a letter requesting for removal. I don't understand how they can do this.
Consumer complaint received 2024-07-12
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: Source Receivables Management LLC (TX)

I am a victim of identity theft. This is clearly stated on all credit bureaus. My mortgage company was hacked and my name, address, date of birth, and social security number were sold to the dark web. I was not notified of this data breach until 6 month after the incident which allowed my information to run rampant. Several utility agencies and apartment complexes have been opened using my information. I have spent 2 years with collections hitting the credit bureaus and me disputing them. This is usually never an issue, I am able to supply police reports, the initial letter from my mortgage company stating the data breech, my license, and the federal identity theft report. Usually the collection agencies and apartment complexes see the evidence and immediately take it off my credit report. However, source receivables mng and XXXX XXXX XXXX have deemed that I guess I am untruthful and not a victim of identity theft and they have told XXXX that the account should remain in collection. I am a victim of a crime and have supplied the proof. They have supplied me no actual information such as the date this account was opened, which apartment complex, etc. I also have alerts and freezes on my social so I am curious of the date of this account opening because I was never contacted by XXXX XXXX XXXX to confirm my identity.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc (PA)

I used my credit builder card to get a rental from XXXX. I was charged upfront. I had a situation come up on the day I was suppose to return therefore i wouldnt make it back to XXXX in time to return the vehicle. I called XXXX to do an extension, XXXX told me thats fine, theyll charge me the cost of the rental when I get to the location. Instead they charged my card {$1100.00} on XX/XX/XXXX. I sent the bank a copy of my receipt from XXXX. My card is locked and it has been locked all of this time. Chime allowed XXXX to take money that I didnt have in my account. My card is locked and my account is already over {$800.00} in the negative. Chime continued to allow chime to take unauthorized payments out of my account for things I have no idea im being charged for. XX/XX/XXXX XXXX took {$140.00}, my card is locked and I have a negative balance. XX/XX/XXXX XXXX took {$19.00} cents, my account is locked, I never authorized this transaction, in fact Im on XXXX do not rent list. On XX/XX/XXXX XXXX took {$150.00} more and chime is just authorizing these transactions. Im now in the negative, if I disputed these transactions, telling you they arent authorized, I dont even have the balance to cover them, my account is in pass due.
Consumer complaint received 2024-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Per FDCPA the collection company and experian was ask to provide explicit documentation proving the collection agency legal right to pursue this debt. I ask to furnish copy of the agreement authorizing the creditors assignment or sale of this debt..I told XXXX to remove this collection agency from my report
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (DC)

Mr. Cooper is the servicer for my loan with XXXX. Until XX/XX/2024, I had a bi-weekly mortgage payment set up for my loan. Starting in XXXX, Mr.Cooper unilaterally changed my payment set up to a one-time monthly payment without advance notice to me. I caught the change on XX/XX/2024 and tried to fix it online. There are no options online to change the standard one-time monthly payment to bi-weekly. I called the company, and I was told I have to submit a request to a specialized department that sets up bi-weekly payments. I was also told, I wouldn't be notified when the change is processed and I have to check back online again to see the change. I was also told it could take 3 - 5 days for the change to happen. I am very surprised and frustrated that a company can unilaterally change my payment process without any notice, and doesn't provide any online option for me to make the appropriate changes.
Consumer complaint received 2024-09-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: RFNA, LP (GA)

I received a loan check in a mail from Republic Finance for the amount of {$5000.00}. I deposited on the XX/XX/2024, I thought it was a joke and it was cleared. I realized that I didn't need the money again, and I immediately called the company on the XX/XX/2024 and cancelled the loan and refunded the exact amount- {$5000.00} the same day. Please, see the screenshot of the attached receipt from the company for the payment. 
The following day, XX/XX/2024, I received a phone from the company saying I still owed charges of about {$350.00} to close the account, because they opened an account in my name for me. 
A couple of days I received 2 mails from the company stating that my payment was " Paid-Ahead Account Status '' and I still owe {$3200.00}, for interest and charges with monthly payment of {$220.00} Please, see the attached 2 letters from the company for your review. 
From my observation I think the company is a legalized scamming company exploiting vulnerable people in vulnerable situations.
Consumer complaint received 2024-01-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Wilber and Associates, P.C. (CO)

Received a letter stating that I was in a car accident half a year ago and that I owed them {$10000.00} plus. I called the company to ask them what they were talking about and asked for proof of this debt they said they dont have to provide any proof and that if I dont pay them, my license would be revoked. The lady was so rude and refused to give me her name. I wanted to continue asking questions, but she said that if I wasnt ready to pay she was not going to answer any questions and hung up.
Consumer complaint received 2024-05-06
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. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-06
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)

I found out the creditor didn't give the required XXXX 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 2024-05-06
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. (OH)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-06
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. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-04-11
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: Experian Information Solutions Inc. (FL)

I've been in communication with Experian about inaccurate personal information on my credit report.Even after notifying them about this error they still continue to report this incorrect personal information on my credit report. Not only it's unfair, it's illegal.By law 15 US Code 1681 ( b ) it clearly states that your reporting agency must follow reasonable procedures. 

Inaccurate personal information : 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 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. XXXX XXXX and XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-05-06
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. (WI)

I am writing to bring to your attention an issue regarding the account I hold with the XXXX XXXX XXXX store, which is currently affecting my credit report. 

The account in question was opened in XXXX of XXXX, and while it was paid as agreed, there are inaccuracies in the reporting of late payments. Specifically, despite a due date change requested and completed by XXXX, the store manager at the XXXX location in XXXX, the account continues to be reported with late payments. 

Due to delays in receiving the goods associated with the account, XXXX initiated and filed a due date change until the items were received. However, despite this action, the account is still being inaccurately reported with late payments. 

I am seeking your assistance in rectifying this situation by ensuring that the information reported accurately reflects the actions taken and the agreement reached. If necessary, I am prepared to pursue legal action to address the false information being reported, as it is negatively impacting my credit score.
Consumer complaint received 2024-05-06
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. (AZ)

There have been several times that I have tried to apply for a personal loan with XXXX XXXX, most recently on XX/XX/year>. Every time, I am told they are unable to pull our credit reports for my husband and me. We have been banking with them for over 20 years. We have our checking, savings, credit cards, other loans, certificates, etc with them. They have told me to contact TransUnion and resolve any discrepancies. We have no discrepancies on our report. They have told me to contact TransUnion and shorten my credit report. Trans Union follows the Fair Credit Reporting Act and will not shorten our bureau. I was recently told on XX/XX/year> that I need to contact Transunion to reset the maximum number of attempts to pull your credit report. Which is absurd. I called and TransUnion said they never heard of that. XXXX XXXX changed from XXXX to TransUnion a couple of years ago and ever since then they have had this issue with pulling my bureau. No other company has had any problems. In fact we just did a refinance on my mortgage and they successfully pulled all XXXX credit reports with no issues. This is a system limitation with XXXX XXXX and has nothing to do with my report or my credit history. They also will not accept a pulled report from me. They tell me they can not move forward with the application without our credit report, but yet this is an issue on their part.
Consumer complaint received 2024-05-03
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. (WA)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.