davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (OR)

Creditor Information : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, ( XXXX ) XXXX To whom it may concern, I just received my report and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be investigated. Please make sure everything pertaining to my credit report is correct. 
I have two accounts open and have only one account number, XXXX balance {$4900.00}, account number 2 is {$15000.00}. 
I have already paid off my student loan debt though my over 20 years of service in the XXXX XXXX. The XXXX XXXX by contract with me under the XXXX XXXX XXXX XXXX, I signed XXXX XX/XX/XXXX. The debt was paid by the XXXX on or about XXXX. I paid taxes in XXXX for earned income credit when XXXX XXXX paid off student loan debt. I didnt receive any correspondence about my student loans until on or about XXXX. 
I have asked XXXX and the others before it was bought ( several times ) out to clarify and validate the following on all open/closed accounts. I have never received any specific correspondence in any regards to the accounts reporting to the credit bureaus. 
I have asked repeatedly for XXXX to provide the following information : *Loan origination documents *Pay off disclosure *Interest rate disclosure *Balance history ( with all companies that must be assumed to hold this debt since origination ) *Complete payment history *Credit insurance I, validate account Creditor Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX XXXX XXXX XXXX : XXXX Account 2 : Unknown This account should be closed, and so old that is should be removed from my history as an aged account. 
I respectfully ask for you to provide some kind of proof on these alleged items, specifically the contract, note, or other instrument bearing my signature. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
I also understand that under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided in fifteen ( 15 ) days of the completion of the re-investigation.
Consumer complaint received 2024-05-10
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. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/year>, and I have not yet received a response. ''
Consumer complaint received 2024-05-10
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. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-06-20
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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX / XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Information on my credit report is in-accurate and as an elected official, by law you can not furnish information to my credit thats inaccurate and harmful. All accounts mentioned must be either DELETED, REMOVED or PAID/NEVER LATE XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2024-05-10
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 dispute the late payments listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 

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 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i sent letters on XXXX to the cra disputing the inaccurate and incomplete accounts they are reporting on my credit report. Per 15 USC 1681eb, IT STATES THAT ALL CONSUMERS INFORMATION HAS TO BE XXXX  % ACCURATE AND COMPLETE BEFORE REPORTING. THE FOLLOWING ACCOUNTS ARE INACCURATE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTACHED A COPY OF EACH BELOW FOR YOUR REFERENCE
Consumer complaint received 2024-05-29
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. (AZ)

On XX/XX/XXXX XXXX they took out {$6000.00} out of my account and theyre only supposed to take out a monthly fee which is littler but over XXXX dollars. I asked for a reversal which they said they did thats been a whole month ago. Ive been waiting for my money for a whole month and when I called today on XX/XX/year> they said that they couldnt do anything because the payment was supposed to be processed on the seventh, but it was processed on the ninth instead. Which calls the credit line to drop
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: SN SERVICING CORPORATION (NJ)

The matter has been in a XXXX  XXXX Bankruptcy case XXXX XXXX for nearly a year and the creditors Proof of Claim does not show paying off the original purchase XXXX XXXX XXXX XXXX  mortgage that was allegedly refinanced on XX/XX/XXXX by XXXX XXXX XXXX 
I objected to the creditor 's proof of claim on XX/XX/XXXX because they have not produced anything that shows that the mortgage that they allegedly refinanced was actually paid off and processed through a bank. The creditor was requested to produce the pay-off information in the form of a processed payment such as a cancelled check or wire transfer that actually proves the payment was actually made and I am not getting embezzled and the amount that was paid that was processed through a bank such as a cancelled check or a wire transfer record that proves that they actually paid off the mortgage as they claim. Nothing checks out the mortgage the was supposed to be refinanced was recorded in Book XXXX XXXX XXXX and the mortgage is stamped " This Mortgage is Cancelled of Record '' with no indication of the amount paid or any reference to the mortgage I have been paying off recorded in Book XXXX XXXX XXXX  There is no endorsement or mention of who was paid and there is {$0.00} consideration recorded on every transaction even before the sellers bought the house. The objection also requested that the creditor produce banking records that prove that the property taxes are actually being paid. I have been paying the mortgage and the property taxes together and the records look like things are being paid but the problem is several people on my street found out that the property taxes were never paid as claimed and they found that out after they were foreclosed on. The creditor has not produced anything to prove that they actually refinanced anything. 
PLEASE TAKE A LOOK AT THE ATTACHMENTS ... SEE FOR YOURSELF
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (NY)

Pursuant to XXXX XXXX XXXX, which is apart of RESPA XXXX XXXX ( e ), I am requesting the following information. This information has been requested on numerous occasions in the past and not provided. 

1. Per the attached mortgage statement, a full accounting and itemized statement breaking down the {$20000.00} in lender paid expenses.

2. A full escrow analysis and itemized accounting ledger of the alleged {$73000.00} escrow balance due.

3. All recorded loan modifications on record, since the inception of the loan.

4. All accounting itemized accounting records from XXXX XXXX XXXX XXXX XXXX XXXX prior to the transfer of the loan to Mr. Cooper. 

Pursuant to XXXX XXXX XXXX all foreclosure action must be halted until documentation within the QWR is provided.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I was locked out of my account for a XXXX time after CFPB got me back into my account, Citi Bank said they could not verify me so I couldn't get into my account. I was allowed access on XX/XX/XXXX and by the XXXX I was locked out, the reason I was able to get into my account was because they sent me a letter and I gave Citi Bank the code that was on the letter. After I was told I would have access to my online account within the hour after a day went by I called them to get access to my online account, but Citi Bank couldn't verify me. They look up your phone number from a XXXX party and my phone number is under my niece 's plan. It's the same number I signed up with but it's not on public records under my name so they said they would have to send a paper again, however just like the first time, I only got a paper saying to call them. Last time I was locked out for almost a month, so once I got in I was going to XXXX everything over, I needed online access to do that, I just need access to my money again. Attached is a letter from my business account stating that I tried to dispute the XXXX transactions.
Consumer complaint received 2024-04-26
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. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-05-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (TX)

On Saturday, XX/XX/XXXX I was sent an email telling me that my UAS XXXX account was 60 days past due. Since XX/XX/XXXX, I have sent {$170.00} every XXXX of the month, occasionally throwing in an XXXX XXXX  or so if my monthly budget allowed. 

I have been consistent with my payments and on XX/XX/XXXX, my monthly payment was increased to {$400.00}. I spoke with a lending XXXX via email and they explained that as long as I continued making payments that my account would not become a delinquent account. 

Since XX/XX/XXXX it has been a tug of war with them and the credit bureaus. They would report specifically to XXXX that I had not been making any payments thus lowering my credit score significantly. 
I tried getting into contact with a loan officer again in an attempt to renegotiate my payment plan and the only offer they gave me was three month forbearance. I explained to them that I can pay up to {$200.00} and it wouldn't make sense to apply for forbearance because I would not realistically be able to make {$400.00} in as little as three months. They told me they couldn't do anything because that is all XXXX offers.

I asked for a number to speak directly to a XXXX XXXX  and I was sent to the website where I originally applied to the loan. There was no number to contact only a chat bot. When speaking with the chat bot about lowering my monthly payment, they directed me to a debt collection company called XXXX XXXX. 

I explained to the XXXX XXXX operator that I intend on paying the loan but needed some sort of repayment plan and she spoke about another " forbearance program '' but refused to provide a link to apply to it and instead asked me to pay {$86.00} in order to start the " application process ''. 

So after three hours on the phone I am left in the same place as before. XXXX XXXX has another link that leads me to XXXX XXXX. I have no idea if these companies are even linked to XXXX XXXX boasts a collaboration with students who can not repay their loans but are misleading in their attempts to negotiate in any other form than an extremely temporary solution that is provided by a third party they do not openly disclose on their website. 

I just want to pay off my student loans without them throttling my credit score and affecting other financial aspects of my life. This practice is confusing and predatory.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hi, I was just on the phone with the fraud team from XXXX XXXX XXXXXXXX XXXX  and they told me this fraud account shall be deleted from my credit report. I spoke to the manager and he said they can not dispute this account because they don't have on the system.

I was just informed by them that I have the right to request this fraud account for deletion as fraud and I would like to exercise that right.
Consumer complaint received 2024-04-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Skopos Financial, LLC (GA)

I been dealing with identity theft for XXXX XXXX up to know, i told the XXXX my situation and they freezed my credit because criminals open car loans personal loans and student loans in my name because of the exposure of my identity XXXX XXXX XXXX XXXX $ XX/XX/22 XXXX XXXXXXXX XX/XX/22
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

There has been fraudulent accounts made under my name, I've asked for them to be closed and not charged, these people racked up an absurd amount on each of these cards that now it's impacting my credit score and I won't pay them because this isn't me doing this. I've called before about how my cards were hacked and how I wanted a new card or if it's possible to close the account and reopen it so I can have everything completely new and be able to access the apps finally I have no login access or card access so whoever has these cards are in for an awakening because I don't think these are active anymore but there's an amount due on them
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The following accounts are reporting on my credit report incorrectly. The listed accounts have been paid in full and should be reported as such to ensure that my report is 100 % accurate and in compliance with the Fair Credit Reporting Act. Accounts in Question : 1. XXXX XXXX Reported Balance : {$440.00} Account number : XXXX 2. XXXX XXXX Reported Balance : {$1300.00} Account number : XXXX
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My husband and I have banked with Citizens for 6 years. XXXX Title loans for {$990.00} were deposited into our account and then withdrawn, which were not requested by us and had my name spelled wrong. At the same time XXXX XXXX XXXX transactions were fraudulently applied to our account, XXXX for {$5.00} and XXXX for approx. {$1400.00}. We do not use XXXX XXXX and never have. There is no history of XXXX XXXX in our whole time with Citizens. I can not give the exact dollar amount because we have been locked out of our online banking so we can not even see our own claim. In addition, we filed a claim against a fraudulent {$970.00} XXXX purchase, even though the most we spend at XXXX is a few XXXX at the holidays. Our account is now - {$3200.00}. All within days of each other, yet Citizens keeps refusing our claim. They have also closed down our other accounts and absorbed that money into the account that was supposed to be investigated without our knowledge before telling us their decision. Now they are threatening us with collections. In addition, they consistently reordered the dates of events/purchases throughout this whole process which hindered us from being able to respond to the crisis in a faster manner.
Consumer complaint received 2024-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (FL)

On XX/XX/year> Aidvantage processed my application to consolidate the following XXXX loans : XXXX XXXX XXXX XXXX XXXX XXXX4900.00} XXXX Direct Loan Unsubsidized : {$5400.00} XXXX Direct Loan Unsubsidized : {$20000.00} XXXX Direct Loan Unsubsidized : {$21000.00} XXXX Direct Loan Unsubsidized : {$19000.00} XXXX Direct Loan Unsubsidized : {$10000.00} The following then occurred : XX/XX/year> : I received a notice from Aidvantage that Loans XXXX and XXXX were approved for consolidation. I received a separate notice on the same date that Loans XXXX through XXXX were listed as in school status and could not be included in the consolidation. 

XX/XX/year> : Payment received added to my XXXX account for {$10000.00} paying XXXX XXXX and XXXX in full by consolidation. 

XX/XX/year> : Disbursement added to my XXXX account for {$10000.00}, creating XXXX XXXX XXXX XXXX XXXX for {$10000.00}. 

XX/XX/year> : I submitted an application to XXXX to consolidate and ADD Loans XXXX through XXXX to existing Loan XXXX DL Consolidated Unsubsidized. 

XX/XX/year> : My application request was approved and I received notification from Aidvantage that Loans XXXX through XXXX were ADDED to existing Loan XXXX Consolidated Unsubsidized. 
XX/XX/year> : Payment received added to my XXXX account for {$72000.00} paying XXXX XXXX, XXXX, XXXX, and XXXX in full by consolidation. 

XX/XX/year> : Disbursement added to my XXXX account for {$72000.00}. THIS IS WHERE THE ERROR TAKES PLACE. 

The amount of {$72000.00} was NOT added to XXXX XXXX XXXX XXXX XXXX as they were instructed. Instead, the balance XXXX XXXX was modified in error from {$0.00} to {$72000.00}. This amount reflects the total amount of Loans XXXX through XXXX. This amount needs to be REMOVED from XXXX XXXX and ADDED to XXXX XXXX XXXX XXXX. 

Further, the interest rate of XXXX XXXX is currently listed at 7.050 %. That is not the correct interest rate to apply to the consolidation amount of {$72000.00}. Loans XXXX through XXXX interest rates ranged from 4.3 % to 7.05 % and need to be properly weighted and averaged. Once XXXX XXXX is brought back to a {$0.00} balance, all excess accrued interest in error will need to be removed. 

I have spoken to multiple customer service representatives at XXXX. The responses have varied from shifting blame to the University XXXX XXXX, XXXX, and the Department of Education. I have confirmed with all three entities that XXXX bears the full liability for the errors and has the sole authority and responsibility to correct the errors.