davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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. (LA)

I am submitting a complaint today to report that I have been a victim of fraudulent activity. Following thorough research on the process to rectify the situation, I discovered that it is necessary to file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. As per FCRA Section 605B, Credit Reporting Agencies ( CRAs ) are mandated to remove any items listed in an identity theft report, with reference number XXXX. Attached, please find documents supporting the removal of unauthorized accounts and inquiries from my credit report. The following items were opened without my consent : XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$120.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$830.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX =========XXXX  : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$120.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$830.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX =========TRANSUNION : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), I request the immediate removal of these accounts and inquiries associated with identity theft. Additionally, I request that necessary warnings be sent to all data furnishers.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My XXXX XXXX Visa payment history shows I was past due in XX/XX/2018. This is incorrect and have disputed successfully this issue with XXXX XXXX via CFPB ( see attached complaints letters ) who now alleges they submitted the request to you to update my credit report however this update has not been made. The XXXX  and XXXX reports have been updated to show no missed payments and a balance of XXXX. I have previously disputed this with Equifax however the dispute was not solved in my favor. Basically XXXX XXXX blames Equifax and Equifax blames XXXX XXXX. Meanwhile all creditors think I am delinquent because i did not pay XXXX $ which i did not owe for the month of XX/XX/XXXX. Please update my payment history to show my account closed in XX/XX/XXXX and delete the delinquency for the month of XXXX XXXX.Please do not close this complaint without remediating the information on my report and do not defer me to XXXX ( see attached complaint response letters from XXXX ).
Consumer complaint received 2024-06-05
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)

Dear TransUnion, I am writing to express my profound disappointment with your handling of my credit report. Since XX/XX/XXXX, you have been reporting inaccurate and false information on my credit file, despite multiple notifications from me and the Consumer Financial Protection Bureau ( CFPB ) that the information is the result of identity theft. 

On XX/XX/XXXX, I notified you of the identity theft and provided you with an FTC Identity Theft Report and a police report. Despite this, you have continued to report the erroneous information as collections on my credit report. Specifically, the account in question is with XXXX, located at XXXX XXXX XXXX, XXXX, XXXX XXXX, with the phone number ( XXXX ) XXXX. 

I also requested that you validate this debt, and to date, you have failed to do so. This ongoing error has severely damaged my ability to earn a living and directly affected my chance of obtaining a {$5000.00} loan, which was denied due to the falsely reported collections on my credit report. Your continued reporting of this incorrect information, despite being fully aware that it is a case of identity theft, has cost me significant time, money, and emotional distress. 

Given these circumstances, I have decided to pursue legal action against TransUnion in small claims court. Your failure to correct these inaccuracies, despite being provided with all necessary documentation, demonstrates a clear disregard for my rights and responsibilities under the Fair Credit Reporting Act. 

I urge you to take immediate corrective action to remove the false information from my credit report and prevent further harm to my financial well-being. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/XXXX
Consumer complaint received 2024-07-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On XX/XX/XXXX, my mortgage was transferred to another company. I had been trying to get my issue resolved with prior lender but instead was transferred and had to start over again. On XX/XX/XXXX I tried explaining to my new lender about my issue. The issue I have is that my loan amount increased drastically. The change was caused by annually property taxes at over {$9000.00}. Making my loan payment drastically high. With that price I should own a luxurious home with a pool. I did not here anything back so I reached back out on XX/XX/XXXX and resubmitted my property tax information for a third ttime. The document clearly shows that I have an exemption of {$5600.00}. Somehow they just completely ignored my exemption. Because of this exemption it should have dropped the value of property taxes, because I don't have to pay that amount with my exemption. The documents I have turned in came from the XXXX XXXX treasure and it states an XXXX exemption of {$5600.00}. Now I received a letter back stating that I was given a partial homestead and the amount remains over {$9000.00} and my loan will not be dropped. Now this amount is ridiculous. I would have never bought the property at such payments, because I cant afford it. I cant even buy groceries or house supplies my necessities. This payment is making my life miserable. Im afraid that soon will not be able to make the payments where it will lead to delinquency. I am asking for the help in making the mortgage lender count my exemption and quit making things up. Not only did they raise my loan amount drastically, but they took what I had in escrow leaving me at XXXX. XXXX fin this very unfair. I am a retired veteran where I just wanted to feel accomplished and content and enjoy the rest of my life relaxing. Instead I need to constantly check my funds and what it Id I need to cut or discontinue in order to make my monthly payment.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (PA)

For the last month I have been unable to access the payment option on three of my chase credit cards. I am only able to access the payment option on one of the cards. Chase has informed me there is something the matter with my bank account and my bank needs to fix the issue. I did contact my bank and they informed me nothing is wrong with the account. I informed Chase that I can pay on one of the cards and not the other 3. They have not been able to solve this issue and I have been transferred to a number of departments and no one was of any assistance. The only way I can pay is to go to the branch office and make a payment with a check. When I go to the branch office and give them a check it is from the checking account they are taking issue with. The payment goes through and the balance is adjusted accordingly. This is extremely annoying and I am tired of being transferred to agents who have no idea how to solve this issue.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2023, I called to inquire about downgrading my Amex Bonvoy Brilliant Account ( XXXX ), instead the agent accidentally closed my account instead. The agent stated that they were going to reinstate the account and that it wouldn't be an issue. A week later, with no new account, I called back and was told that they were unable to reopen my account and told me not to worry and that my annual fee of {$450.00} would be refunded. For the time being, they issued a {$37.00} credit instead. 

I called back a few weeks later and was told they messed up and that there was nothing Amex could do to reinstate and that someone would call me back. no one ever did. 

Amex messed up. Closed my account. 

Stole {$450.00} in annual fees and refused to refund it back.
Consumer complaint received 2023-12-11
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IN)

Someone not authorized accessed my account, and a bank employee permitted it in spite of this person 's sketchy story, so the bank chose to close it. There was money in it, but I'm not even sure at this point how much. I got a refund of about {$1000.00} for money in the attached checking account, but not money in savings, which should have been substantially more. 

I called many times, but just kept getting transferred around to different people, everyone saying it wasn't their department. I would be on hold for over an hour when it was done, and it usually terminated with the call just being dropped. 

I heard about what sounded like a class action lawsuit for people having a similar problem with this bank, which had recently made several changes -- I looked into joining, XXXX XXXX did not work out.
Consumer complaint received 2024-05-13
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (AZ)

This is not me. I've haven't XXXX XXXX XXXX  since XXXX  and this is a current bill. I have had XXXX XXXX for over a decade so this must be fraudulent. I also have not received any mail correspondence about this, otherwise I would have just contacted XXXX XXXX XXXX myself. It's like the collection just appeared out of nowhere.
Consumer complaint received 2024-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing numberXXXX ; an account number:XXXX. I have recently made a complaint about how my tax return has been frozen in the venmo wallet. That complaint I filed here ( with the cfpb ) was responded to ; however the response stated that I will be able to withdraw funds once my FULL 180 days limited access HOLD was over, which would have been *YESTERDAY ( XX/XX/XXXX ). To be clear, heres a quote from Venmo 's last response to my cfpb complaint ...... 

VENMO SAID, and I quote ... ... " I show that your initial limitation was placed on XX/XX/XXXX, before being modified to a permanent limitation on XX/XX/XXXX. When then advised that your funds would be held for 180 days, which is XX/XX/XXXX, based off of the original date that your Account was first limited. With that said, I am unclear where the information was conflicted, but understand that things happen, and I again want to apologize. With that understanding, our previously advised decision remains unchanged. Your Account will remain permanently limited with your funds held for the full 180 days. '' which you further explain how it will be available for withdraw an I'll be contact via email. 


Thats what you guys said, HOWEVER ; here we are XX/XX/XXXX which is PAST the 180 day mark an I still CANT withdraw my funds, nor did I get any email or any form of communication on how to get my funds out ...... 

WHY DID YOU GUYS AT VENMO STATE THAT ON OR BEFORE XX/XX/XXXX I WOULD HAVE ACCESS TO MY FUNDS, BUT I STILL DONT???????? There is no transfer button, its inactive on the app.
Consumer complaint received 2023-12-11
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. (DC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc. (MA)

On XX/XX/XXXX I received a phone call from someone stating they were from the Action Collection Agency of XXXX. They claimed that I owed {$2300.00} in unpaid medical bills dating back to XX/XX/XXXX. I had no knowledge of any such debt and asked for a written, itemized statement. The agency refused, stating I had already been sent such a statement. I had never received anything from this company prior to this conversation. The agency then claimed most of these various bills were from XXXX XXXX of XXXX. I then contacted that company. They had no record of any past due balance on my account. Furthermore they stated that they had never heard of this collection agency. The agency also claimed I had a past due amount at XXXX XXXX Hospital in XXXX. I have not been to this hospital for any reason in several years and have received no notification of any past due amount from them.
Consumer complaint received 2024-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SC)

I had a recent transaction that I did not authorize through my account. I received a notification asking if I am making the transaction, and I replied no. Since I responded no, PayPal had opened a case for me. I also had my bank block the transaction from going through, and now there is a negative balance on my account. Why was the transaction not stopped immediately I said it was not me sending the money? 

I received a case update saying that based on PayPal 's review, they found the transaction is consistent with my PayPal history. I have never sent thousands of dollars before. I do not know who the person was in my PayPal and managed to send themselves under friends and family transaction. I would like the negative balance of {$5000.00} to be removed from my account as I did not make this transaction. I requested to see the open fraud case that was opened XX/XX/year>, and did not receive it.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Savings account
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: M&T BANK CORPORATION (MD)

I received a active debit card in the mail from M & T Bank that I never applied for. I called the fraud help line and spoke to XXXX who acknowledged the fraudulent account was opened on XX/XX/year>. He then subsequently closed account at my request
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In Accordance with the Fair Credit Reporting Act 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 XXXXXXXX has violated my rights. 
15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2018-08-14
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WA)

After going on maturnity leave on XX/XX/18 I fell behind in payments due to no income. Responded to navients offer of forbarance on my loans both private and fedral XX/XX/18 by calling the number they provided was told that all my loans were in forbarance until XX/XX/18 they also at that time cancled my auto ach withdrawal that I had set up for all my loans. I was told all past due amount were taken care of with the forbarance and while I could still make payments I was not required to. I then started to receive collection calls and payment emails starting XX/XX/18 for my private loan that at first it was a scam so called the same number only to find out they had not put my privet loan on forbarance as I was told but had cancled the auto ach payment I had set up and had it reported as 120 days past due and no record of me calling and demanded I pay it in full with no other options even though my federal loans on my account were in forbarance.
Consumer complaint received 2024-05-13
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

Good day I am a MoneyGram customer. I sent my sister some money on XX/XX/2024. However, the transaction was canceled. Today is XX/XX/XXXXXXXX XXXX. I have tried reaching out to XXXX several times because they said I should get a refund, and today, XXXX I still have not received my money back to my account. each time I call they said you should receive the money within 10 days. And I still have not received the money. I have exhausted all my resource. I have provided them with every single documents showing its me showing its my sister. I would like to get someone to help me to get my money back. My email is XXXX. My phone number is XXXX.
Consumer complaint received 2021-01-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (IL)

I submitted a complaint two weeks ago, # XXXX, it was closed by Freedom Mortgage even though the issue has not been solved. I am submitting a second complaint. I have been pre-approved to refinance my loan, which was to close the first week in XXXX. As of today, my refinancing still has not been finalized. I have escalated three times. I had a closing scheduled today at XXXX which I took a VACATION DAY for and it is cancelled because the notary did not receive final documents. I hope CFPB reaches out to me XXXX to hear my issues before this complaint is closed. 
This refinancing is costing me {$400.00} a month and a vacation day.
Consumer complaint received 2024-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/2024, I discovered through my credit report from XXXX that LVNV FUNDING LLC has placed my account into collections. I was not previously notified of any outstanding balance nor was there any communication from LVNV FUNDING LLC regarding a debt or payment due that would justify this collection action. 

Actions Taken by Me : Upon discovering the collection entry on my credit report, I immediately sought to understand the basis of this claim. I have not received any billing statements or correspondence from LVNV FUNDING LLC prior to this incident that would indicate my account was at risk of being sent to collections. 

Requested Action : I request a detailed statement of the account showing the origin of the debt, any charges applied, and any payments made or missed. Additionally, I seek clarification on why there was no attempt made to contact me before reporting the account to credit bureaus. If this debt is found to be in error, I request immediate removal of the collections entry from my credit report and a formal letter acknowledging the mistake. 

Further Steps : I am prepared to escalate this issue through formal disputes with credit bureaus and seek legal counsel if the matter is not resolved promptly and transparently.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have tried to get multiple accounts removed from my credit report and asked for documentation to prove that it was mine and I have not received any response back from them yet. Also I have a lot of unauthorized hard credit report pulls that I did not authorize on my credit reports to