davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I attempted to make a purchase using my Amazon credit card and use the XXXX in reward points toward the purchase. After submitting the order, I received a message stating that my payment was declined. I called the number on the card and was informed that Amazon declined it not the credit card company. I called Amazon and they said it was the credit card company. No one is explaining why my payment was declined and my points have not been refunded. I called again on XX/XX/26 and was asked to wait and again was refused an answer regarding the declined transaction. I did not want to use my account to make the full payment and was forced to because of this
Consumer complaint received 2023-05-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (LA)

To Whom It May Concern : Attached is the original QWR letter I sent Specialized Loan Servicing on XX/XX/XXXX, in regard to compliance with HUD XXXX. According to the law XXXX SLS had XXXX  days to send a letter of acknowledgement, of which they never sent. In addition, by law they also had 30 days to respond to the QWR letter they received on XX/XX/XXXX. 

I even called SLS on XX/XX/XXXX at XXXX to follow up because they never sent an acknowledgment letter or the 30-day response letter to the QWR received on XX/XX/XXXX. Even until this day XX/XX/XXXX I still have not received this legal response letter or phone call to my number listed on the account. 

A follow-up complaint will be filed detailing other Complaints filed with multiple Federal and State Government agencies that this letter was sent to along with evidence of illegal retaliation, and the violation of multiple laws including RESPA 12 U.S.C 2601, Regulation X, 12 C.F.R part 1024 and the CFPA. 

Again, as I stated before the official legal Address for communication channels is XXXX XXXX XXXX, # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and no other address should be used for communication. This applies to XXXX XXXX XXXX XXXX XXXX XXXXSpecialized Loan Servicing . 

XXXX Case Number XXXX filed by XXXX XXXX XXXX shall be vacated ( set aside/canceled ) or done away with as this was illegally filed.
Consumer complaint received 2024-03-29
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NV)

I have student loans. When I was not able to make the payments, the servicer told me t go into forbearance. I told them I was on the Public Service Loan Forgiveness plan. I was assured that being in forbearance would not interfere with loan forgiveness. 
I submitted my PSLF in XX/XX/2023. They say I do not qualify as I was in forbearance, I would not have chosen forbearance had I known this. The loan servicer agents gave faulty information.
Consumer complaint received 2023-05-29
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: Fidelity National Information Services, Inc. (FNIS) (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm experiencing distress, dissatisfaction, and XXXXXXXX due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Consumer complaint received 2023-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (MO)

Consumer portfolio did not indicate any autopay was activated and was not on the account before. I then went to make my payment as normal at XXXX because I do not have fees. I then look at my bank account and I am over drawn by {$420.00} from consumer portfolio because they took another payment. I contacted them right away and was told I could go to XXXX and get a refund so I did and nope no refund allowed. I called back they can send a check or refund the autopay but the whole time now I have to be charged overdraft fees now playing with my rent and other bills. I want consumer portfolio to pay those fees for each transaction they caused an overdraft for, to remove autopay and to start notifying they are turning it on as well as allow customers to turn it off as they please via the site.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I was attacked by a dog in the motel XXXX parking lot and so I demanded my money back after being misled to believe that the motel XXXX owner was going to let us stay 2 free nights as retribution, instead I get kicked out of the motel and didnt get my two free nights the owner had agreed to in exchange for not demanding a full refund. I spoke with a live chase agent on XX/XX/2021 and explained the situation and how I felt robbed of the service experienced I paid for. The chase agent gave me a refund for the length of my whole stay because I ended up going to the hospital for stitches. Come to find out that chase is being BLOCKED from retrieving my money because XXXX put a merchant chargeback after chase got my money back
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed with the credit bureaus a collection from XXXX multiple times, due to the fact I have been unable to obtain any information on the alleged debt. Each time I have gotten the responce that it meets fcra requirements. One XX/XX/2017 I made a cfpb complaint against XXXX. The company was unable or refused to respond, and their information was forwarded to the ftc Consumer Sentinel Network. I am curious how the credit bureaus where able to obtain information from the company when they refused to reply to a federal agency. The cfpb complaint number for XXXX is XXXX.
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Link Management, LLC (FL)

I received a call today ( XXXX XXXX ) from CLM collection agency for a young woman ( XXXX XXXX ) who lives at the same address as me. I have no responsibility or involvement in her finances. I forwarded the message to her ( screenshot of the voice mail transcript ). She called the number given ( XXXX ) and was told they have a right to call me about her situation because we have the same address. This doesnt seem right to either her or me. Is that a permissable tactic? If not, please lodge my complaint against that company. 

Thanks.
Consumer complaint received 2022-02-17
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Delev & Associates, LLC (OH)

DELEV & ASSOCIATES , LLC violated my federally protected consumer rights. 

PER 15 U.S. Code 1692e states that the false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

I have been receiving letters and phone calls from DELEV & ASSOCIATES , LLC in reference to a " DEBT '' from the University XXXX XXXX. Every time this company contacts me, I am distressed believing that I am going to have to go to court or even my wages garnished. This company has TAKEN my STATE OF OHIO tax refund for MUTLIPLE years to apply to this said " debt ''. 

The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. 

The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. 

Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Consumer complaint received 2017-04-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo sent me a letter stating my escrow account has a shortage of {$680.00}. my payment now is {$800.00}. If I pay the shortage the new payment will be XXXX, a {$49.00} difference. If I do n't pay it, my payment will be {$910.00}. An increase of {$100.00}. this is not the first time this has happened. The same thing happened the second year after we bought the house. I have bought a house before this one and never had a problem like this. There was never more than a {$25.00} difference each year. I just feel that Wells Fargo is XXXX me around.
Consumer complaint received 2023-06-17
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XX/XX/XXXX
Consumer complaint received 2024-03-29
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. (GA)

Back in XXXX of 2023, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called creditchecktotal.com, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX, XXXX XXXX  , and XXXX . I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of 2023, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time XXXX request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX, my husband and I submitted a claim with the Consumer Financial Protection Bureau ( Complaint ID : XXXX ). We received notification on XX/XX/XXXX that the claim was denied because the complaint lists someone the company does not recognize as their customer or their customers authorized representative. My husband, XXXX XXXX submitted the claim on my behalf, submitted the claim, which is probably why we received this message. I am now resubmitting this claim under my own name. 

We look forward to a prompt resolution of this matter. 
XXXX XXXX XXXX, AZ Phone XXXX. 

On XX/XX/XXXX, I used my Citicard Mastercard on a trip to XXXX in XXXX, where we purchased a marble chess set and necklace from a store called XXXX XXXX XXXX for an agreed price of {$850.00} USD. At the time of purchase, the store ran my credit card through its card reader but then said the card reader wasn't working and nothing printed out. The store then ran my card through a different credit card reader, at which time the sale went through. 

When I checked my statement the next day, I discovered that I had been charged twice for the same item ( {$850.00} from XXXX XXXX XXXX XXXX XXXX ; and {$840.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These two charges were purchased in the SAME store and for just ONE bill of sale -- the marble chess set and necklace. We immediately sent an email to the store asking them to remove one of the two charges, but they never responded. I filed a Citibank Billing Dispute on XX/XX/XXXX ( Case # XXXX ). I also spoke several times with their billing dispute team filled out their application form and provided additional documentation each time it was requested. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) both by regular mail ( dated XX/XX/XXXX ; Case # XXXX ), by email, as well as numerous follow-up phone calls. 

On XX/XX/XXXX we received a vaguely worded notice from Citibank that they are denying our claim. We were given no reason other than " we have no options available to assist you in this dispute because of the age of the charge. '' As far as we know, Citibank never even contacted the store from where the purchase was made in XXXX.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All 3 Credit Bureaus are dinging my credit for Short history. XXXX points. First, this is discriminatory and misleading. I am XXXX yrs old and while some accounts no longer show on my credit. I have at least a 40 year credit related history. My home was paid off with XXXX in XXXX. Where is that mortgage history payoff? 
Theres many more examples. These inaccurate credit dings are causing damages in form of higher interest rates on current and future purchases. Bottom line these acts are breach of fiduciary and unlawful. They violate several Federal Consumer Acts. Please correct before I have to take legal actions.
Consumer complaint received 2023-01-03
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. (FL)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months XXXX  Activity Designator Creditor Classification XXXX XX/XX/XXXX {$XXXX} I have never owned a credit card from them. 

DID NOT AUTHORIZED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29
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. (IN)

I am a natural person, I am a living human being, I have rights under 15 USC 1681 this company is govern by 15 USC 1681, and they have violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 I have the right to privacy and I did not give XXXX permission to furnish these accounts at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29
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. (OH)

This is a company seeking money from me we never agreed in no such contract there are sharing my personal information on different platforms without my consent. Told the company that I will conditionally expect your offer upon proof of claim that if you can provide the original charging instrument for this account. Pursuant to the uniform commercial code you must be the holder and due course of the original charging instrument otherwise you may not make a presentment. If you provide the original charging instrument I will gladly pay the ( x amount ) Also I conditionally expect your offer upon proof of claim if you provide the XXXX OID that shows whos the recipient of said funds are and whos the issuer of said funds are. To my knowledge I am the issuer of said funds. If this company can not provide this information its identity theft and must be move off my credit report immediately and the cost of the violation XXXX dollars per violation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, all of these companies are recommended to provide documentation or immediately remove for my report
Consumer complaint received 2023-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (NJ)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

I have never entered into a contractual agreement with NCB Management ever.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (DE)

XX/XX/23 - ordered food from XXXX XXXX for XXXX. My order was incorrect, poorly assembled, missing ingredients that were advertised, and overall extremely low quality. Very dissatisfied with the overall order and all item received. 

XX/XX/23 - submitted online complaint via contact form on XXXX XXXX website. Requested call back or email in XXXX hours. Never received any follow up. 

XX/XX/23 - called XXXX XXXX and was told they would refund my order Withings 3-5 days. Never heard back from them and that turned out to be a lie from the XXXX XXXX customer service agent. 

XX/XX/23 - filed dispute with my Discover card letting them know I received incorrect food/order and I was dissatisfied with the quality. 

XX/XX/23 - Discover told me they can not proceed with my dispute stating, We can not, however, continue further with the investigation on your behalf with the merchant based on the reason you have provided for requesting to dispute this transaction. 

Discover is not explaining why they can not investigate my dispute. I received the wrong food and my order was not as advertised, hence I was highly dissatisfied with the quality.