davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (CA)

SHELLPOINT I informed my mortgage company of my current situation and requested a XXXX a mortgage forbearance of XXXX months or more. I'm looking to apply for a mortgage assistance program, but I don't know which organizations I can get help from. Several organizations I've already visited only accept my information, so I don't know what kind of help they are preparing. Please help ... .If I can receive mortgage assistance, you will be able to overcome the financial difficulties caused by XXXX, but if not, you will live in pain every day with the risk of losing your home.
Consumer complaint received 2023-11-07
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. (PA)

I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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.

I asked Transunion to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

However, Transunion stated everything is complete and accurate! How is that even possible if the open dates, dates of last activity, balances, and much more is incorrect? 

These accounts are not even in compliance with metro 2 credit reporting, as i have evidence to prove my case.
Consumer complaint received 2023-04-10
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: ALLY FINANCIAL INC. (TX)

I am seeing an Ally financial on there that does not belong to me I'm also seeing things dated on XX/XX/XXXX of 2023 from employment agencies that I did not apply to that are looking up my credit status and other things that I have not applied for like credit cards and it made my score go down
Consumer complaint received 2023-12-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group (NY)

CKS Prime Investments appeared on credit report. When I contacted them concerning this debt I requested who they were, who they were representation, if they owned the debt and did they have a signature with bills of sale if they did, they ignored me. They contiunue to report on my credit report and I can not get them off.
Consumer complaint received 2024-01-04
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (IL)

On XXXX XX/XX/XXXX, while at Lowes to make a purchase of {$440.00}, I was informed by an employee that I could open a Lowe 's store card and get a sizeable discount of 20 % off my purchase. I have a XXXX XXXX I use regularly and another emergency credit card. I have regularly had exceptional credit ( XXXX ) for over 2 decades. In that same amount of time, to the best of my knowledge, I have never carried a credit card balance ( Paid balance off in full monthly ) Wanting to save the {$80.00} plus dollars, I went thru the application process in store and provided all of the requested information. I was told my application was denied. I was informed to contact a Lowes # XXXX on XXXX XX/XX/XXXX to which I did. I was then told to contact Synchrony Bank who is responsible for issuing Lowes Credit. I contacted said bank. I then received correspondence from said bank dated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX with reference numbers XXXX and XXXX. with a determination that my identity could not be confirmed based on a credit report from XXXX XXXX. I received a Credit Report from XXXX. dated XXXX XX/XX/XXXX. The report does not have any derogatory information listed and it's demographic information in regards to my identity, DOB, address, etc is clear, correct and matches the information I provided when applying for credit. I believe Synchrony Bank discriminated against me and did not issue credit because of my flawless credit history, score and prompt payment of balances. In my opinion, Synchrony Bank deduced in conjunction with possibly following a Lowes ' guideline, to not lose the 20 % on the sale with no probable future interest payments from me.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CA)

I have signed up for an Experian online account in order to make it easier to freeze and unfreeze my credit report as needed. The Experian website makes it extremely difficult to find the freeze and unfreeze feature and it also bombards you with ads and dark patterns for their paid premium subscription options that I absolutely do not want to buy. Most annoyingly, they send me monthly credit alert emails that say that my credit balance has changed. Of course it has changed, you think I spend the exact same amount of money on my credit cards every month? These emails are always alarming as it makes it seem like there is something wrong with your credit account, but it is clearly just an attempt to draw you back into their website so they can try to sell you premium services.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (MA)

Back on XX/XX/2010 I deposited {$100000.00} into account # XXXX with XXXX XXXX XXXX on XX/XX/2010 I took a passbook loan against that account in the amount of {$30000.00} ( which they deposited {$40000.00} ) into Savings Account # XXXX. I never received a passbook for these funds. They Bank kept it as collateral. I never received any information with respect to the {$60000.00} that was left in account # XXXX, I thought all the money was kept in the same account. Over the years, XXXX XXXX merged into XXXX XXXX XXXXXXXX XXXX and then merged into M & T Bank. Recently I went to the bank with a question regarding my balance as it did not seem right and was working with them to try and find the {$60000.00}. I was told by a teller at the bank that on the same date as XX/XX/2010 there was an account opened for {$600.00} which I think was the {$60000.00} but was a typo on their part and that account was closed ( not by me ) I am now being told that I have to prove to the Bank that I did not take the money out- which I did not and therefore would have no proof of. I was told that their bank records go back 7 years and they have no record of this.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TX)

Complaint Number : XXXX I ask that you send me the complete contract for this account, and all the documents related to this account since you have the account and I need you to send me the full XXXX  number and billes. Thank you XXXX XXXX Compliance Department Southwest Credit Systems, L.P
Consumer complaint received 2023-12-14
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: AutoNation Enterprises Incorporated (FL)

I took out an auto loan in XXXX of XXXX, The loan is showing up on other reports as 100 % paid and for id verification, which verifies it is part of public record. The lending company has submitted my documents 3 times to the reporting agencies, with my payment updates but I have yet to see the loan reflected on my reports. I have now paid off my loan and still no reflection on my reports. XXXX, XXXX, XXXX credit agency is under fire for not reporting the report XXXX u please investigate this problem & take matters of making sure this reports please thanks. I have uploaded all the files. By law you must have this report reported on my records. I will include documents showing the account has been paid in full since last XXXX XX/XX/2022 & still not reporting.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/XXXX at XXXX, I transferred {$180.00} of available funds from one of my checking accounts to the other. This transaction was completed. At some point after this, the bank reversed a claim of dispute and debited my first account for {$260.00}. Then on XX/XX/XXXX, the transfer made by me was reversed and the money removed from the 2nd account, and placed back into the first account because the claim reversal caused an overdraft. I contacted the bank, and was told the transfer I initiated never completed which is a lie. They waited until I made a cash deposit into 2nd account, then went in and moved the transfer back to the first account to cover their overdraft of reversing the dispute claim. I find this type of behavior to be wrong and has left me with no money.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (SC)

I am writing to formally dispute the presence of an account listed under your company 's name on my recent credit report. Upon reviewing the report, I was surprised to find an account that I have no knowledge of or association with. 

As a diligent consumer, I routinely monitor my credit report for accuracy and consistency. The discovery of this unfamiliar account has raised concerns regarding potential inaccuracies or fraudulent activity. 

I hereby request that you conduct a thorough investigation into the origins of this account and provide me with detailed information regarding its creation and associated transactions. Additionally, I urge you to take immediate action to rectify the inaccurate reporting on my credit profile. 

Maintaining the integrity and accuracy of my credit report is paramount to my financial well-being. Therefore, I expect prompt and decisive action in resolving this matter. 

I appreciate your attention to this dispute and look forward to a swift resolution.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CO)

Unfamilliar transactions has occured so my bank decided to close y account. My paycheck was deposited on XX/XX/XXXX and i was told from my bank that they will reject it and send it back to my employer but a banker told me it went through even though my account is already close. Now i dont even have access to my own money that i worked for. Also the banker that i spoke to told me that she cant give me a timeframe of how long it takes to review my account before they release my money. I am very upset because im late on my rent because i cant access my own money.I cant even see whats going on with my account because I dont have no access to my usbank mobile app and all.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (TX)

On XX/XX/2023 at approximately XXXX XXXX  XXXX XXXX attempted to make a deposit at the PNC ATM located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in the amount of {$640.00} I inserted the money into the machine and as it was counting the money on the screen the screen then indicated unable to process this transaction. It retained the money and did not provide any receipt. I then attempted to reperform the function and the deposit feature was greyed out and not an available function. 

I then chatted with a PNC XXXX " XXXX XXXX '' on XX/XX/2023 to file a REG E dispute reference # XXXX. Provisional credit was issued. As a result, I had several Overdrafted transactions costing me {$110.00} in fees. On XX/XX/2023 my provisional credit was reversed. I did not receive advanced notification that my account would be debited. I contacted a PNC agent to reopen my claim - new claim id XXXX agent name XXXX. Since my provisional credit was reversed I may incur additional overdraft fees. 

I asked to escalate and speak to a supervisor and I was told it would not be of help. I wanted to know if the machine cash balanced when serviced by their vendor and balanced to the electronic journal or settlement receipt. I also would like to know if other customers had filed claims on the machine which may not since the deposit feature was disabled after my transaction. I would like to know if video was reviewed showing my transaction. I would like to understand if there were any software or machine malfunctions noted. I was not provided any details of this nature. If the machine was functioning properly were there additional deposits successfully completed after my transaction?
Consumer complaint received 2023-12-12
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (CO)

I received notification from third party monitoring that an account was opened with Comenity bank and delinquent. I started the process by calling the company to dispute it, and tell them it was a fraudulent application. They insisted I update my personal info with them so they could reach me after their 90 day investigation period. I have never done business with this bank and you will see that all information is synthetic ID theft. The application and original profile details are fraudulent and will not verify to me XXXX XXXX or XXXX. Please also have Comenity verify fraudulent IP addresses to open the profile and fraudulently apply for credit. Comenity is now saying the information on file matches to me- of course it does- they forced me to update it in XXXX. The original, historic information is false and will not verify to me. I am asking this acct be removed from my credit reports entirely. It has caused a domino affect and other cards are taking adverse action against me when they see this delinquent acct and it is causing financial hardship.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Account history Account Account number XXXX .... 

XXXX XXXX OK XXXX OK  XXXX XXXX OK XXXX OK XXXX OK XX/XX/XXXX XXXX OK XXXX OK 30 days past due as of XX/XX/XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$11000.00} / XX/XX/XXXX / {$460.00} / No data XX/XX/XXXX : {$10000.00} / XX/XX/XXXX / {$460.00} / {$920.00} XX/XX/XXXX : {$11000.00} / XX/XX/XXXX / {$460.00} / {$450.00} XX/XX/XXXX : {$11000.00} / XX/XX/XXXX / {$460.00} / {$940.00} XX/XX/XXXX : {$12000.00} / No data/ {$460.00} / No data XX/XX/XXXX : {$12000.00} / No data/ {$460.00} / No data XX/XX/XXXX : {$11000.00} / No data/ {$460.00} / No data The original amount of this account was {$11000.00} There's a balance history with no data reported for XXXX, XXXX, or XXXX but the account is showing 30 days late. I was never late. 
When I contacted the company they were having issues with their system. 
I also have requested to OptOut of any transactional history with this company to all credit reporting agencies. 
The information is inaccurate and incomplete.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-03-29
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. (CA)

This complaint is my follow-up to my previous letter to redispute these items : XXXXXXXX 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 XXXXXXXX Balance : {$410.00} The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.
Consumer complaint received 2023-11-16
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. (GA)

I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXXXXXX 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 2024-03-26
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: 1st Franklin Financial Corporation (TN)

I applied for a loan with 1st Franklin Financial ( XXXX, TN ) on XX/XX/XXXX, at which time I permitted 1st Franklin to run my credit. I was approved for the loan, which was due on XX/XX/XXXX. 
I became unemployed on XX/XX/XXXX & contacted 1st Franklin Financial ( XXXX, TN ) to inform them of my job loss & that I would not have a payment. I have spoken to every employee in that office including the XXXX XXXX  with updates on interviews & whether or not I was selected for a job. I have received several harassing calls from this office as well as from other 1st Franklin locations & unknown numbers that they have shared my file with, even though on every call I am letting them know my situation has not changed and that I would update them once I found a new employment. 

On XX/XX/XXXX, I received an alert from XXXX that a XXXX  XXXX  was blocked from 1st Franklin Financial. 

On XX/XX/XXXX, I received an alert from XXXX that a New Hard Inquiry had been added to my credit report from 1st Franklin Financial.

I contacted 1st Franklin Financial XXXX XXXX and did not get any results.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have file disputes with all three bureaus back in XXXX and I still havent heard anything from any of them. How long does this take? I know it suppose to be 30 days and it over 30 days now way over 30 days.
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Stark Collection Agency, Inc. (IL)

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.