davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my current credit report from your bureau, I came across the disputed account, and I don't think they are 100 % correct. Would you please UPDATE this ACCOUNT from my credit report?
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (TN)

In XXXX of 2022, I filed a fraud claim on my checking account for a scam that I was a victim of involving a Navy Federal Member who was portrayed to be a XXXX who runs a debt consolidation program. During our phone conversations and instructions on XXXX messenger, I was told to make payments using their business bank account to pay off my XXXX XXXXXXXX XXXX  credit card. The account that I was told to transfer the money from was from XXXX XXXX and I made 4 larger transfers to pay off the card but in return had to pay a service fee for this service of {$6000.00} to the business owner XXXX XXXX. Well, I also paid XXXX XXXX XXXX XXXX and XXXX XXXX using member-to-member transfers. I filed a claim with Navy Federal stating all of this and they gave me a provisional credit for {$6000.00}, well a month later they reversed that credit and made my account negative. Now they are harassing me daily about the overdrawn account in which I did not do but I am supposed to pay for it. The account is due to go into collections soon which would do more harm.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I reached out to my bank as soon as I saw fraudulent charges made on my account through an atm. I immediately turned my card off through the app and called the bank to report it. I looked for my card and couldn't find the physical card and assumed I dropped it near my job. Wells Fargo opened a claim and a day later they denied my claim. I have reached out to the them since XX/XX/XXXX about this situation. I did not make this purchase and I am pushing to get this resolved but they keep telling me to go after the atm company. This has been an on going issue that no customer service representative has helped me with. I now lost {$700.00} total and they refuse to help me and have been very rude. Not only did I lose {$700.00} but I also have overdraft fees due to this. I go on a trip next week and am completely lost on what to do or how to get my money back that someone stole from me.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/XXXX, I paid {$4300.00} to ULTA/Mastercard ( Comenity Bank ) phone payment. 
I closed my account and I was told there could still be a balance for interest and fees. I stated I understood. 

I never received a notice of a balance. 
On XX/XX/XXXX. I called to inquire about a balance I was told they updated their system they can not see or tell me anything about my account and that I should try back at a later date. 

I called back in XXXX XXXX was told I had a balance of {$43.00} dollars I requested a statement. She said a statement is being mailed out. 

Fast forward. I received an alert on XX/XX/XXXX from XXXX that comenity bank reported that I owed a balance of {$170.00} dollars. 

I had tried to talk to dispute this with Comenity they hung up on me if I do not pay but they continued to call me nonstop. 

Finally, I sent a certified letter XX/XX/XXXX explaining that I would no longer speak to them and that if they wanted to talk had to do it through email because they are not trustworthy. I informed them that I was filing a complaint against them. 
After I sent they received my certified letter they sent a bill for those trumped-up charges and reported again to the credit bureaus that I now owe " {$290.00} on a loan I did not pay back '' Which is a lie. 

I am disputing these charges because a balance of {$43.00} turning into a {$290.00} dollar is madness. 
I can provide proof that I have always paid my balances off since having my credit card. I have my bank statement from XX/XX/XXXX showing I paid.
Consumer complaint received 2022-05-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Equifax continues to report negatively on an account that has been fixed per XXXX ( XXXX ) XXXX XXXX XXXXXXXX, XXXX. I have disputed the account now 4 times and each time the account changes or new delinquencies are added to the account. In addition to the account being closed since XX/XX/XXXX Equifax continues to change the status of the account. Currently the account is showing that XX/XX/XXXX and XX/XX/XXXX are past due when I have spoke with XXXX and they continue to state that they are reporting to Equifax that there were no late payments and the account is closed since XX/XX/XXXX. Disputes were submitted to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX where the company reports no changes to be made. However again I have spoke with XXXX XXXX and they state they have submitted and responded to Equifax and changed the late payments with them. The account still shows late payments for those two months and verbiage stating the account had a balloon payment with past due amounts which was just added with this last dispute and again is incorrect. It is very unfortunate that this has been an issue for over a year and that the companies can not fix the issue on their own.
Consumer complaint received 2023-05-24
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: Fidelity National Information Services, Inc. (FNIS) (MD)

There are MULTIPLE fraudulent items on my CHEXSYSTEMS report. I do not have any idea regarding these fraudulent accounts on my CHEXSYSTEMS report. 
I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are NOT MINE.
Consumer complaint received 2023-01-07
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. (AL)

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 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
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc. (MI)

I received a new XXXX XXXX with a phone number that belonged to someone else. I've attempted to get the company, SIMM Associates, to stop sending messages to the number on the XXXX  but have been unsuccessful. The daily texts that I receive state " SIMM Assoc - Debt Collector : Pymt plan at risk get in touch. Click sclk.me/SIMMpay or call XXXX. Re : SIMM # XXXX. Reply STOP to opt out ''. 

I'd reply STOP but this is a XXXX XXXX and I don't have that option. I've talked to several people at SIMM and was told that the number was removed but it has not happen and I started calling back in XXXX. The last person I talked to asked me if I was or knew the person on the account and I advised them that I was not that person and had never heard of them.
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (TX)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I was contacted in XX/XX/XXXX by a company that had an unknown number, telling me I have a bill from XX/XX/XXXX from XXXX ( spelling? ) I asked what the bill was about and to send me back up documentation. I still have not received it. They had my email address and I told them to send to my email address. I would not give them my mailing address. I contacted XXXX and they have been sold, I went thru 3 hours of people trying to find my account and the final lady told me well good luck, those people do not care what they do and they will put it on your credit. 

I called back to Southwest Credit Systems and they refused to let me talk to anyone in corporate or anyone that could send me a copy of the bill. 

They just put it on my credit this morning, I called them immediately and the call was recorded and the lady refused to say any more after I told her I never lived at that address and gave her my address in XX/XX/XXXX and the internet company I had. 

I am purchasing a home for my XXXX year mother and I and it has killed the deal most likely. I do not know owe this bill. How you can let people do this people I just do not understand.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

XXXX XXXX XXXX XXXX ACCOUNT # XXXX Was reported 30 days late on XX/XX/2023. 

I have never been late, and want this information to reflect correctly on all credit bureaus. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section XXXX ) XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Thank you.
Consumer complaint received 2024-04-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC. (IL)

My loan was disbursed XX/XX/XXXX for {$23000.00}, with a FIXED interest rate of 17.92 % Each statement I have received has shown an interest rate charged at over 49 % -- with the highest being 71 %. Most of my payments have been going to interest without my knowledge until I checked my credit report earlier this month ( XX/XX/XXXX ). 

When I contacted customer service ( XX/XX/XXXX ), they confirmed my fixed interest rate and acknowledged the discrepancy. The current person said they could not help me, and provided me a phone number ( XXXX ). 

This sent me to a generic help line, and my issue still remains unsolved. I have been in re-payment for over a year.
Consumer complaint received 2023-03-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation (TX)

I submitted a complaint about SWBC mortgage, i see on the website that the complaint has ben closed. I have not spoken to anyone about this matter. I received a letter from the mortgage company yesterday that further supports my claims. This company 's actions should be reviewed. We have submitted military orders several times throughout the last six months. We received a letter informing us that we were denied modifications because there were no military orders submitted. The orders have been uploaded on the company website since XXXX of XXXX
Consumer complaint received 2023-03-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These accounts are in violation of15 U.S. Code 1681A. The investigation took more than 30 days XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
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: ALLY FINANCIAL INC. (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 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 2018-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

I am currently in repayment for my student loans, and planning on using the Public Service Loan Forgiveness Program. I have been paying my loan since XX/XX/XXXX, and have never been delinquent on a payment. The loan servicer has claimed that only 33 payments are valid and count towards the PSLF. In XX/XX/XXXX I requested confirmation of how they came up with only 33 payments, and I have not been able to get any information from the current servicer or the prior servicer.
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2024-04-21
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: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX, I received a letter from Synchrony Bank above changes to a XXXX XXXX rate I received for a bed/mattress purchase at Mattress Firm  on XX/XX/XXXX. Synchrony Bank noted that the interest rate was being raised to 34.99 % on transactions posted after XX/XX/XXXX. At this time, they would also be applying a 2 % fee on promotional transactions with an 18 month or greater duration. In my case, I am subject to a {$36.00} fee, despite maintaining current and timely monthly payments. Expanded over the population and customers directly affected by this same fee, it seems like an unjustified and predatory approach to credit.
Consumer complaint received 2022-12-02
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. (TX)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX  CO XXXX Balance : {$2900.00} ; XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MN)

I wanted to sell my furniture and posted an add online. One person agreed to buy and mailed a check of {$3700.00} to my address with some extra money. My bank ( XXXX XXXX  ) approved the check and cleared funds to my account. The person who sent the check asked me to transfer the extra money to a Zelle account. Now, XXXX XXXX  returned the check saying that the check was not legal. Now, I am not able to get my {$1700.00} which I have transferred via Zelle account.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In regards to account reporting as XXXX XXXX XXXX account # XXXX )
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my Multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX : {$960.00} XXXX  XX/XX/2021
Consumer complaint received 2023-03-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose