davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I tried buying an online ticket from a XXXX  user that seemed legit. I sent the person {$100.00} at first as a security deposit and then I sent them another {$100.00} after they said that they would continue to send it after the money was received.
Consumer complaint received 2023-07-25
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. (VA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-11-27
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX at XXXX as a result of our yearly audit and find that ultimately we paid {$91.00} in late fees for account statements that were never sent to us until the Bank wanted to collect {$99.00}. I reported this to the Bank at the above Number on XXXX/XXXX/XXXX. They claim they did send the bills and claim that they have the tracking numbers from the XXXX XXXX XXXX. I checked my account on line on XXXX/XXXX/XXXX and there are no statements in their system that they claim were sent to me. I asked them to send me the tracking numbers and they refused. I demanded a refund of the late fees due to improper billing. They refused. I demanded that my account be immediately closed. All in all I charged a total of {$14.00} and then had a credit of {$5.00} for a grand total of {$8.00} as of XXXX/XXXX/XXXX. 
I work for the Federal Government and we are never late paying bills. The blogs on line about XXXX XXXX XXXX are terrible. They are selling credit cards through XXXX XXXX XXXX XXXX and are getting away with Fraud through their own internal negligence. Many others are having similar problems with them.
Consumer complaint received 2017-11-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

My pymt is due on the XX/XX/XXXX, however I will be paying on the XX/XX/XXXX, which I advised them via email. They have no right to talk to anyone that way. Today XX/XX/2017 I received an email from Prestige Financial : Hello XXXX, Your file has been sent to me for review. Im not sure why you feel its acceptable to pay at your convenience rather than your given due date. We are a strict 2nd chance loan we choose to work with you as a courtesy however I need you to contact me today to discuss the matter further. Thanks XXXX @ PFS XXXX XXXX Account Manager Prestige Financial Services , Inc. 
A XXXX XXXX XXXX XXXX [ T ] XXXX [ F ] XXXX XXXX
Consumer complaint received 2023-07-25
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-27
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. (OH)

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. 
XXXXXXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-25
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. (NV)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX VERIFY Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance XXXX {$440.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX  XXXX Balance : {$120.00} XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX Balance : {$290.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-01-03
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX Balance : {$240.00}.
Consumer complaint received 2015-12-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

USAA has reported me to XXXX and XXXX for fraud. It is prohibiting me from getting a bank account and they refuse to lift it even after I clearly explained to them the error I made in processing an online transfer. They are costing me business with banks and I would like the negative reporting removed.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

After examining my Consumer Reports, I came across late payments recorded on an account for which I have always made timely payments. As Consumer Reporting Agencies play a critical role in reporting consumer information, it is their responsibility to do so with the highest level of accuracy.

I want to emphasize that I have never been late with any payments for the account in question XXXX XXXX XXXX therefore, request that an investigation be carried out to provide evidence of these late payments. In the event that such evidence can not be provided, I demand that the late payments be corrected to show that they were made on time, as they were. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-07-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (NV)

I received a grant from XXXX in the amount of {$53000.00} in May that was sent directly to Land Home Financial Services. HUD provided me a breakdown of the funds as : Primary delinquency : {$45000.00} Primary future payments : {$7400.00} Total released : {$53000.00} Upon speaking with Land Home Financial Services in XX/XX/2023 I was told HUD only sent {$45000.00} to them and I was behind XXXX and XXXX payments. 

I spoke with Land Home Financial Services in May and they informed me HUD sent {$53000.00} and they were applying payments. I would receive a breakdown of how the funds were applied and when my payments would be due. I never received the breakdown or payment due information. I called Land Home in XX/XX/2023 for the breakdown information and was told Land Home no longer service my loan, I would receive that information from my new loan provider. I never received any information from anyone. I received statements in XX/XX/2023 from Lamd Home stating I owe {$5000.00} for XXXX and XXXX payments. My homeowners insurance is paid by my mortgage company. Land Home has refused to pay my homeowners insurance for {$2300.00}. The policy is set to cancel on XX/XX/XXXX for nonpayment. 

Land Home has damaged my credit reporting incorrect information stating I'm behind in payments. That has caused damaged to me, I have been rejected Financial Services, credit cards etc as a result. I have withdrawn from my family and cry most of the time. Land Home doesn't respect CFPB they tell them one thing and do not do what they say they will do. I'm a senior lady and Land Home is determined to take my house and there's nothing that can be done. They called me a couple weeks ago at XXXX XXXX The harassment never stops.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I have been trying to close my 53 bank account for arround 2 months now. I have been unable to transfer my funds out, as I need to get the balance to XXXX prior to submitting the account closing request. 

Initially, I was living in XXXX and didn't have access to the phone number on file. I was finally able to get the phone number changed. I transfered out {$2000.00}, but that placed a security flag on my account. I called and they removed the security flag. I have been trying to transfer out {$2000.00} a day, but each time I try doing the transaction it gets flagged and they tell me to call customer service. I call customer service and they tell my to try again in XXXX hours. 

I just want to cancel my account and get my money back. It shouldn't be this hard!
Consumer complaint received 2017-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL)

On  XXXX   XXXX  AR Resources did knowingl y n willfully violate 15 USC 1692 ( 809 )   when they published their trade line to my credit report without sending the mandated assignment letter called for under this section if the FDCPA  n FLA STATUTE 95.11.      I say this due to  XXXX   XXXX  professionals sent this to them due to their mail being returned. Therefore, AR Resources had no VALID mailing address in which to follo w n adh ere to the FCCPA NOR THE FDCPA.     I contacted this agency on the morning on  XXXX   XXXX . I was spoken to by a very rude rep whom i informed that i had contacted  XXXX   XXXX  notified them i had ins for the  XXXX  hospital visit  n i wanted their trade libe off my report. She then connected me to a very rude condescending supervisor who told me " well i do n't wan na say i will do that n u call back in an hour n say it  is still on your report ''.
Consumer complaint received 2023-06-08
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: SYNCHRONY FINANCIAL (WA)

I paid my bill early 3 times and they waited to long to get the money from my account and I discussed this with them every time and then all of a sudden they closed my account and reported me to the credit bureaus and I feel that was wrong because they didn't grab the money in time but I did pay the bills early, this happened in XXXX XXXX and XXXX of 2023
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

The company called my phone multiple times within a short amount of time. They only left a voicemail on the first call. I have asked them repeatedly to email me during business hours because I 'm not allowed to make personal calls at work. I had already informed them that I would be making a payment today. This is not the first time this has happened either. The company is One Main Financial.
Consumer complaint received 2017-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My mortgage was transferred from XXXX to Nationstar about 3 - 4 months ago. I have been trying to close on my coop for about 2 months. My attorney has been requesting for over a month to have Nationstar attorney bring original stock / lease certificates so we can schedule a closing date. Nationstar does not respond to my attorney request. When i call Nationstar they keep telling me i have to pay my mortgage first, then they will release the stock / lease certificates to my attorney. I am about to lose my buyer due to their negligence.
Consumer complaint received 2023-02-27
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. (NC)

In accordance with Fair Credit Reporting Act XXXX Account XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 Section 602 A States I have the right to privacy. 15 USC 1681 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXXXXXX Balance {$5300.00}
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XX/XX/XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2017-11-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tribal Lending Enterprise, Inc. (SC)

I began the application process of applying for a loan through Mountain Summit Financial online. However, when it got to the point of signing documents, I decided that I would not go with proceeding with the application, therefore I did not sign the documents. However, I received an email on XXXX/XXXX/17 from Mountain Summit explaining that I was late on a payment for a loan I " supposedly '' received from them. Because I never signed the documents, I never received a deposit from Mountain Summit Financial in either of my accounts that I hold with XXXX, however they charged my account with a return fee because they tried to retrieve funds that were not there. I checked my bank account records, both my checkings and savings, to ensure that I did n't miss anything and I have n't. I also tried to log into the Mountain Summit Financial portal, using the forgot password link, but it could not find an account associated with the email address Mountain Summit Financial used to contact me about the overdue payment. This whole situation is not right, and fraudulent, and I am unsure how they received my signature and my bank account information. This is really concerning.