davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (FL)

XX/XX/XXXX my federal student loans were transferred from XXXX to Mohela. XXXX and XXXX are showing both accounts as open. In XX/XX/XXXX, XXXX advised me to file a dispute with the credit bureaus. In XX/XX/XXXX, when the bureaus deemed the information " accurate '' leaving the issue unresolved, I called XXXX again. I was told that their records show the account transferred & closed with a XXXX balance, but Mohela would have to inform the credit bureaus. On XX/XX/XXXX, a Mohela representative assured me that the necessary paperwork has been filed to correct this situation. Two months later and only XXXX has been corrected.
Consumer complaint received 2024-05-28
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. (VA)

This account status of XXXX XXXX Account # XXXX status has been inconsistently updated. On XXXX status is " CLOSED '' On XXXX status is collection/chargeoff and on Experian status is 120 days late. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I checked my credit report and noticed multiple billing errors. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. Not only is this a billing error, but these late payments are inaccurate and incomplete, which Is a direct violation of the Fair Credit Reporting act. I need these accounts updated to PAID AS AGREED
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MI)

I inquired about a credit card while shopping at the ATHOME Store, I was told my purchase would be fine for 0 % interest if paid in full in the first 6 months if I opened the card. I opened the card on XX/XX/2024, used the card and made approximately a {$250.00} purchase. I made my first payment and then noticed I had received an interest charge.The store had a small sign to confirm this promotional offer however I was told about it when making my purchase, which was the reason I opened the account, I have tried to contact the company via chat today XX/XX/2024 to have them honor the 0 % or reverse the interest charge and I would just pay the card off. The chat has been disconnected multiple times and I have spent more time figuring this out. I was unable to contact the creditor over the phone and I am just upset because I never would have opened this account had I did not qualify for a 0 % rate even though the store employee had told me I would qualify.
Consumer complaint received 2023-12-26
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have 11 hard inquiry 's Damaging my credit score that were from over 3-4 years ago, Please Remove ASAP 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 2023-09-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I had my account on autopay for many months and payments always were collected on time. Just recently I saw my credit score had dropped significantly and I traced it back to CitizensPay. I opened my account portal and it still said autopay was on. I went to the saved payment method and it was my credit card for my business. I paid off the balance that was left for the last 4 months and the payment went through just fine. 

I called them and they said I hadn't been paying and they have emailed me. The emails had been going to spam. I had no idea it wasn't being paid. 

I got this loan through XXXX which is my security system for my business. I have seen all my XXXX payments going through each month. I wasn't even really aware of this loan which was a separate cost for the equipment. This must be why it wasn't on my radar and things were going to spam because I never even interacted with this CitizinesPay company. I was just automatically signed up for it when I signed the XXXX paperwork. 

I also don't understand why this loan is affecting my personal credit when it's for my business equipment and was being paid by my business accounts. 

Now I can't get any business loans because my personal credit score has dropped so much. This is putting me in an absolutely terrible position and I might lose my business because of it. 

I can pay them off completely if necessary. The payments are only $ XXXX. I can pay them {$1000.00} if necessary. I have that available in my account now. 

I was not avoiding payments from them and do have the money. The main problem was their emails are going to spam. That is on their end. Maybe many people are reporting their emails as spam. 

XXXX
Consumer complaint received 2023-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (CA)

Note : This same issue occurred in XXXX and was concluded to our satisfaction ( shows pattern ) In early XXXX, SLS informed us that they had ( unnecessarily ) purchased property insurance on our behalf. We provided insurance documentation immediately ( twice, they claimed not to have received the first, same as in XXXX ) SLS placed insurance charges into an escrow account and began posting late fees and charges to our account regarding this duplicate insurance, while improperly posting our mortgage payments to show them as late due to the incorrect charges. 

We have always made timely payments automatically through our bank*** After multiple calls to multiple SLS reps ( who repeatedly told us SLS was in error ) and multiple correspondence, SLS sent a letter on XX/XX/XXXX stating that the advance was not needed and that they would adjust our account to reflect this. ( letter attached ) To date SLS has not done so, and in fact has been compounding late fees and refuting our detailed correspondence almost to the point of hostility. ( Please see correspondence log, attached. ) We also have been getting nearly constant dunning calls, and this " late '' status on the mortgage is now affecting our otherwise impeccable credit record. 

We can afford to pay late fees when they are valid. 
It seems to us that this pattern of purchasing unnecessary insurance and then charging fees and making clients jump through hoops to get their accounts cleared is predatory or bordering on fraudulent. 

***There was one late payment in XXXX of XXXX due to a banking change, and as soon as we became aware of it we made both the payment and paid the late fee. ( see payment log, attached )
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-09
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. (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. 


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, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These inaccuracies are stopping me from obtaining a reasonable car payment and purchasing a home for my family.
Consumer complaint received 2023-12-26
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. (IN)

To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I must emphasize that the required original creditor 's documentation has not been provided to me, as required by FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The absence of a consumer contract with my signature is notable. According to FCRA Section 611 ( 5 ) ( A ), you are obligated to " promptly DELETE all information which can not be verified. ''
Consumer complaint received 2023-10-05
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX, Account Number : XXXX, Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX, In accordance with 15 USC 1692g , I, XXXX XXXX XXXX XXXX consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " XXXX XXXX of XXXX '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Identity theft see attachment. XXXX card with a XXXX balance, XXXX XXXX XXXX XXXX  with a XXXX balance and XXXX  XXXX XXXX with a balance of XXXX is on my credit report and not responsible for any of these charges.I have already submitted my police report and it attached.
Consumer complaint received 2023-12-26
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-07-28
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, 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 XXXX XXXX XXXX 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 2024-07-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I was the victim of an online scam. Someone hacked into a Friend 's XXXX account and listed a XXXX  XXXX for sale stating that she was selling her Father 's truck because he was moving to an elderly care. I contacted her on messenger because I didn't have her phone number. She reached out later stating the truck was available. She was selling it for {$5000.00}. I asked her if she would take {$4500.00} and she said yes. She said I would need to pay half now so she can mark it as sold and not take any more calls. I sent her {$2000.00} by XXXX on XX/XX/XXXX. She messaged me later in the evening saying she was getting someone to pay the full deposit so if I sent the balance she would mark it sold. I told her my daily XXXX  amount is only {$2000.00} and I would have to send the balance on the next day. I sent the {$2000.00} on XX/XX/XXXX. She then messaged me further saying a family friend is willing to pay {$6400.00} for it because he has seen the truck and its in good condition. Before I sent her the first payment, I did ask her for the VIN number of the truck and she stated that her Dad 's accountant had the information and she would send it to me once she got it. I started becoming suspicious and started asking her personal questions as she would know who I was. I got her number from another friend and called it. She didn't answer so I texted her saying I was messaging about the truck we were talking about on FB. She responded immediately stating that her account was hacked on FB and she had no access to it. I immediately called Chase and let them know the situation. They told me they couldn't do anything about it since I initiated the XXXX  payment. They created a ticket but told me they can not reimburse my {$4500.00}. They told me I would need to call XXXX because it is a third party platform they use. I called the number they gave me but there is no option to speak to anyone so I submitted an online complaint. I received a response back from a XXXX email saying that they would look into the issue but no refund would be issued. This would just be to prevent further scams from happening. I also called the XXXX XXXX XXXX police department and filed a compliant about the fraud/scam. I am trying to recover the {$4500.00} XXXX payment I made to the individual pretending to be someone I know and selling a truck that I never received. The email address the person gave me to send the zelle payment is XXXX registered under a XXXX XXXX. The person 's FB account that got hacked was XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC (FL)

In XXXX of 2023 I made a payment with my checking account via XXXX XXXX XXXX XXXXXXXX. In XXXX I attempted to make a payment and I believed it went through and I continued to use my XXXX XXXX as a means of payment until XXXX. In XXXX I noticed that my balance was increasing from the {$300.00} owed to {$500.00} which I questioned which I was told that my payments were not made. When speaking to an associate I explained no communication was emailed or mailed to me stating that they would not allow me to use an ACH transfer using my bank. When attempting to pay the money owed the company says I owe the entire card balance which should not be the case, I have not used that card for 10 months as I reported fraud and my card lost but no card was reissued or account closure.
Consumer complaint received 2024-07-28
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)

I received XXXX Hard Inquiries from XXXX XXXX XXXX XXXX, XXXX, OH XXXX on my Equifax report XXXX XX/XX/year> which i did not apply for. Due to these inquiries it also changed credit reporting address to XXXX I have not resided in for over many years. I filed a dispute for the pull with Equifax and they closed it in less than XXXX hours reporting ( INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/year> CR XXXXXXXX XXXX  ). I tried getting ahold of Comenity capital and I was hung up on XXXX time to find out who requested this credit pull. Equifax told me to get a hold of the creditor and I did not apply for this credit nor to I have an account them. I currently have a dispute to have my credit address changed to my correct address. I don't know what else to do to get this off my report.
Consumer complaint received 2024-06-25
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: National Credit Adjusters, LLC (SC)

This company purchased my debt for original party I had a loan with them during Covid-19 and defaulted on said loan I was not afforded my rights under The CARES Act or made aware of such rights section 2202 a8. 2202 allows for an additional year for repayment if I was allotted this time, I would not have defaulted on said loan, I do not think it is lawful to sell of purchase this debt under these conditions.