davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (PA)

My name is XXXX XXXX and I'm a natural woman submitting this complaint on the behalf of myself without any third-party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, TransUnion, XXXX and XXXX is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (FL)

My information was given to a third party collection without my consent my rights as a federally protected consumer was violated because of this I tried to get in contact with the company as of XXXX I havent gotten Response yet.
Consumer complaint received 2023-12-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION (FL)

Around XX/XX/XXXX I received a text message from lender stating I was eligible for a payoff settlement of {$560.00}. I immediately called lender to take advantage of this offer as I am falling on hard times financially and had trouble paying the {$1400.00} I initially owed which included late fees also. Once I called the agent & I made a agreement via phone that I accepted the offer and would have to pay 4 payments of {$140.00} every week for a total of 4 weeks in a 1 month span in order to pay off settlement of {$560.00}. I asked the agent could I also receive a email or letter for proof of that agreement she stated yes I would be sent both. I was so excited to pay this off and put this behind me. My first payment was supposed to be XX/XX/2023 Friday but on that date I went to the app to pay and noticed that there was so record of this on the app and also the balance was still {$1400.00}. I called the agent back to see why and she responded dont worry about that they have our agreement on file and it would shortly reflect in the app as well as the letter and email. I was a bit concerned with that and decided to Waite to see if I received any information of this agreement or If the app would reflect the new balance of {$560.00}. After not receiving anything and fearing that I would loose the agreement I called back on the XXXX of XXXX and made what was supposed to be my first payment of 4. After making the payment I still received no written proof of this agreement and the app also did not reflect it. I called today XXXX XXXX to make whats supposed to be my second payment out of 4 and spoke to 2 reps who had no knowledge of this agreement and also didnt see any notes of this agreement and encouraged me to pay the balance of {$1400.00}. After I explained to them the offer that I agreed to they transferred me to a rep that assured me the agreement was solid and that I needed to pay my second payment of {$140.00}. He stated they sent me a email XX/XX/XXXX as well as a letter in the mail and I confirmed with him that I did not receive anything that gave me proof of this agreement. He stated they are not able to send me a email or letter of this agreement and that I would just have to trust their word and that the calls are recorded and that I can use that as my proof. I feel this company has lied to me and manipulated me and forced me to make a payment. Please help me
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have made multiple written requests for TransUnion to issue my Credit Freeze security PIN and they fail to respond. I placed a Credit Freeze on my bureau more than a year ago due to fraud activity and I need the freeze removed to apply for a mortgage. I can not remove the freeze without a PIN from TransUnion. 

TransUnion will only issue a PIN if they receive a request by mail. I sent them a request on XX/XX/2017 and again XX/XX/2017 and they still have not responded. I live in the state of Arizona and TransUnion 's guide indicates there is no fee for this service. 

There is no way to even follow up to ensure they have received my request and when I can expect to get the PIN issued.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

I am writing a complaint to this company because I am certain that they have violated my consumer rights by not providing validation of debt upon my request in XX/XX/2023 in a timely matter. Also, after carefully reviewing my report i noticed some inaccuracies being reported on my consumer file from this company. Under FCRA law 15 USC 1681s ( 2 ) lenders have an obligation to report accurate and factual information on a consumer report.
Consumer complaint received 2023-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmerAssist A/R Solutions, Inc. (IN)

I contacted XXXX XXXX XXXX on multiple occasions stating the service they provided made my XXXX  worse and I would not be paying until they sent the correct retainers to fix them. Then I see this company went bankrupt. I will not be paying anything on this and plan to sue for the damages they have done to my XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Dear Credit Bureau I am writing to bring to your attention an erroneous late payment entry on my credit report, which I believe to be a violation of my rights as a consumer. As per the Fair Credit Reporting Act ( FCRA ), it is crucial that accurate and fair information is reported by credit bureaus. 

I have recently reviewed my credit report and discovered XXXX Charge of account records from XXXX However, I firmly believe that this CHARGE OFF entry is incorrect and should not be associated with my credit history. 

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. 

Acct XXXX : XXXX Acct # XXXX Acct XXXX : XXXX Acct # XXXX has violated my rights. 

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 XXXX 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. 

I kindly request that you conduct a thorough investigation into this matter and rectify the erroneous late payment entry on my credit report as soon as possible. Under the FCRA, I am aware that each violation may result in a penalty of {$1000.00}, and I expect appropriate action to be taken to address this violation. 

Enclosed with this letter, please find copies of relevant documents including payment receipts and statements that support my claim of timely payments. I urge you to consider this evidence during your investigation. 

I expect timely resolution of this dispute and a written response within XXXX days as mandated under the FCRA. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of the inaccurate late payment entry. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and in accordance with the law.
Consumer complaint received 2023-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (OK)

I responded via email on XX/XX/XXXX  to this debt that this debt collection agency is trying to collect. On XX/XX/ they contacted me via phone and I requested a debt validation letter and contacted them multiple times and on XX/XX/ I sent certified mail letter requesting this information and I have yet to receive it. Now they have reported this to the XXXX without providing the documentation I requested.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I deposited my XXXX check from my XXXX XXXX they placed a hold on it which is fine..XXXX  XXXX check cleared XX/XX/XXXX I went in they closed my acct that's fine but placed a hold on interested money XXXX I went in after they closed acct XX/XX/XXXX to get money they can't release my money because it's in a general ledger acct ..which XXXX XXXX could not tell me qhy nor qould she help me resolve this to get my.money .this is us bank XXXX XXXX XXXX XXXX ..they have XXXX which I need now my.mortgage and bills are late and Noone is helping me get my money which the Che k cleared XX/XX/XXXX it's now XX/XX/XXXX XXXX
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TN)

Experian uses XXXX and it discriminates against Veterans with a VA loan. I have paid additional principal since the loan inception and have never been late or missed a payment, yet my " score negative '' items list my real estate balance is " too high compared to the original loan balance ''. In my mind this method discriminates against Veterans using the VA 100 % loan benefit by reducing the credit score which increases costs on just about everything theses days e.g. insurance on cars and homes.
Consumer complaint received 2017-03-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BMO Bank, N.A. (MI)

BMO Harris Bank XXXX, WI XXXX reported {$4.00} late payment on my credit causing it to drop 100 points. BMO Harris was contacted via phone on XX/XX/2017 and could not give a detail of where this information came form. I was transferred to a Dispute department and they sent me a dispute form to fill out.
Consumer complaint received 2023-12-16
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I went and filled an FTC affidavit and police report and sent all the required documents for fraud through certified mail. They have ALL documentation in the mail and are emailing me today saying I need to send all of the same documents ( I paid to have sent to them ) through and upload screen. If I were the average person that gave up and didnt understand technology, I would have given up all together. Their website kept crashing in the midst of me uploading, and kept throwing me into a screen to re-enter my information yet again. Not user friendly at all. I had to go in and send all of the documentations separately. So that was very tedious having to go back through and re-enter all of my information again just to send another document. All of these error need to be fixed. This has been a very difficult time.
Consumer complaint received 2023-12-15
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (TX)

On XX/XX/XXXX  I received a notice in the mail from CBHV trying to collect a debt on a student loan account. After review of the notice and the amount said I am owed, the numbers are inaccurate to what I actually owe to the student loan account.
Consumer complaint received 2023-09-23
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: EQUIFAX, INC. (FL)

On XX/XX/2023 I filed my FTC report because of hard inquiries I in no shape or form authorized. I have settled the matter with XXXX XXXX XXXX but Equifax has been stalling on me for now over 45+ days. It started with my first dispute on XX/XX/2023 and was met with a Equifax response on XX/XX/2023 saying that the inquires were factual but they did not investigate at all and I found this out after calling their customer support that same day and they told me they couldn't process my dispute because of my " License & Social Security card '' weren't verifiable. I resubmitted a new dispute ( XX/XX/2023 ) with better quality pictures of my License & Social but this time the dispute came back verified before I talked to anyone on the phone at Equifax. I was also told by them that uploading directly to their website was better & I tried that and was met with the same demise. I am now submitting my THIRD dispute to them and also submitting this complaint alongside it. Thank you for your time
Consumer complaint received 2023-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MECHANICS BANK (AZ)

Mechanical bank internet app wasnt working around XXXX they have problems with .the app said I didnt own nothing one month so didnt make the payment because didnt own anything thats month latter on like around XXXX they start calling my work and my family asking for my because they said I was late in a payment they said didnt have to do I been doing all the payments on time an my credit is good .ill pay the late payment and then they said I owned late fees for XXXX dollars extra for something their app has problems
Consumer complaint received 2023-12-15
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: DISCOVER BANK (SC)

I have sent debt validation letter since XX/XX/XXXX  XXXX XXXX  XX/XX/XXXX  and again on XX/XX/XXXX  I also went throught the XXXX  and have file complaints through this company and XXXX XXXX and XXXX that my social security number has been confiscated on several occasions and unauthorized accounts have bee open in my name. These companies fail to investigate these accounts and I haven't received any validation of debts from the company either inwhich the company 's are violating the laws of the FCRA BY NOT REPLYING WITH THE 30 DAYS
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I made an agreement with Chase to keep my XXXX XXXX card open due to them offering me a {$150.00} statement credit retention offer. It has been over 2 months and they have not kept their end of the agreement and have not given me the {$150.00}. They also have been sloppy when it comes to record keeping, telling me I have already received the {$150.00}, even so far as sending me a letter, when in fact, the retention offer they were referring to was from XX/XX/XXXX... not XXXX. I have had to call nearly each week since XX/XX/XXXX. I have spoken to many supervisors, some knowledgeable and some not, and some just downright rude. One supervisor who I spoke to in XXXX, named XXXX, agreed with me, that this is due to a Chase XXXX error. He apparently sent an escalation but nothing ever became of it. Several others supervisors refused to go out of their way like he did and just keep telling me to keep waiting. I have even had one supervisor literally hang up on me, very unprofessional. The reason I have not received the {$150.00} is due to a Chase IT error of which there have been some other posts I have read online of this same thing happening to other people. People who asked for retention offers in XXXX are having the same thing happen. They are not getting their retention posted to their account. One supervisor, named XXXX, " insisted '' the {$150.00} would be there on XX/XX/XXXX. It was not. I emailed Chase again on XXXX XXXX and they have not responded. I just called again tonight, XX/XX/XXXX, and spoke to a supervisor named XXXX. She also refused to take action and just told me to wait. Chase owes me {$150.00}. The amount I have had to spend calling and writing is beyond ridiculous at this point. They have breached their agreement. I am demanding that they pay me my {$150.00} that they have owed me since XX/XX/XXXX.
Consumer complaint received 2023-12-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I I have around XXXX American Express gift cards given to me over the course of 3 years, totaling $ XXXX. Not a single card works for purchases inside stores or online. You call the customer service number, and it won't give you a human to speak to. I found another number for them on XXXX and the representative confirmed multiple cards were active and had money on them. 



However, when asked what I can do to use my cards, he kept repeating that there is no fraud and that I can use the card in stores and online. I explained to the representative that I was unable to use the cards anywhere, he just kept repeating the same lines about being able to use them in stores or online. He gave no help with how to retrieve the money or fix the issue. I am livid, this was what I was going to spend on XXXX gifts. At this point, they are stealing money and doing nothing to resolve the issue. I've talked to other people, and they've had the same issue with American Express cards. I don't run into this problem with visa gift cards. 



What can I do to solve things? They aren't giving consumers any choice but to allow them to steal their money. 

Thank you
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fairway Independent Mortgage Corporation (PA)

FAIRWAY INDE XX/XX/XXXX and FAIRWAY INDE XX/XX/XXXX. 
Credit Inquiry is unverified but still persist on my XXXX  credit report
Consumer complaint received 2017-03-17
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan Chase Bank has legally stolen the money that my mother put into UTMA trusts for her grandchildren. 
My mother, XXXX XXXX XXXX, opened UTMA and annuity accounts at JPM Chase for her grandchildren and contributed regularly. When we learned she got XXXX, we immediately went to our local branch to request paperwork to transfer the custodian of record for all of those accounts to her children, XXXX XXXX. XXXX and myself, who are the parents of her grandchildren. I took pictures of her signing the paperwork, and submitted those to JPM Chase Bank. 
After she died on XX/XX/2008, we learned that JPM Chase had FAILED to provide all of the paperwork. They only gave us papers for the annuity accounts, not the UTMA accounts, even though I made it very clear at the time what we wanted to do and why. The banker who gave us the incomplete paperwork is no longer with JPM Chase. The lawyer fees we would have to pay to probate her will and release the funds would exceed the combined value of the accounts. 
I have made many, many inquiries and complaints over the last nine years to JPM Chase, including at the branch and to their Presidents help line. The only advice they offer is to wait until the kids turn XXXX when they can claim it themselves. 
That would be acceptable, except that they charge a fee of {$5.00} per month per account. All appeals to cease charging this fee have met zero success. The net effect is the accounts will be depleted entirely by the time the kids are of age to claim their rightful inheritance. 
JPM Chase has already stolen {$60.00} per year times XXXX kids times 9 years from a XXXX victim and her grandchildren. Everyone is oh so sorry, but the fact remains. No refunds are forthcoming, and the fees continue. 
If Americans can not trust their banks and the laws behind which the banks hide, then what use is a financial system? 
Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX