davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Bliksum, LLC (WI)

On  XXXX / XXXX / XXXX  my husband applied for and got a payday loan through Loanme.com. When my husband applied he specified that payments would be made available to the company on the   XXXX   of every month in the amount of  XXXX . On  XXXX   XXXX   XXXX  a withdrawal was made from our account in the amount of  XXXX . My husband and I do not receive our social security checks until the  XXXX  of every month so therefore there was no money in the bank and it left our checking account  w  a negative balance of over  three hundred d ollars. I contacted the company about their mistake. They claimed that they were entitled to the amount on the  XXXX  of every month, not the   XXXX  . I asked loanme to return the money to our checking account plus reimbursement for the overdraft fee. They refused. Can you please help us?
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: Chime Financial Inc (TX)

On XX/XX/2023 my Chime Visa card was charged {$1200.00} by XXXX XXXX XXXX XXXXr. I disputed the charge through my mobile app and later received a denial. I submitted an appeal regarding the charge as I did not authorize the charge and a representative from XXXX XXXX XXXX XXXX told me my Chime Visa Card could not be accepted by XXXX and another form of payment would be needed. A representative of XXXX illegally documented my card details and processed a payment without my permission nor with me in attendance for {$1200.00}. This has caused me to unnecessary hardship in the following ways : I had to pay an additional {$300.00} in late fees for my XXXX rent, I risk being evicted for XXXX because I am still trying to replace what was taken from me, my credit score has dropped 100 points because of the utilization of 100 % being report and payments are now due on a card for charges that I did not make. I do not understand why Chime is allowing another company to take my money and saying there was no error.
Consumer complaint received 2023-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

On XX/XX/XXXX I called and made 3 payments ( XXXX, XXXX and XX/XX/XXXX ). Paying 3 months at 1 time is not allowed on the sls.net website. I was very clear about the fact that I wanted all 3 payments credited immediately. XXXX and XXXX payments were applied XX/XX/XXXX. XXXX was not. XXXX payment as has been ON HOLD for 36 days. Today ( XX/XX/XXXX ), upon inquiry they credited XXXX payment but refused to adjust the interest appropriately. SLS says there is no difference in how interest is calculated with payment on hold for 36 days versus XXXX mtg payment being credited appropriately on XXXX XXXX, XXXX. Call with customer service rep disconnected when I disputed this fact.
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (FL)

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I have disputed these inquires before and they have not removed them even after not being able to validate them.
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. (WA)

I have worked with XXXX to get a fraud account ( XXXX XXXX  ) removed from my credit report. I have received notice that it was removed and dispute was closed due to identity theft. I was also told that they would send information over to trans union and XXXX so they can remove it as well. I am working on a home loan and this is hindering the approval process. the tradeline needs to be removed from all three. I provided all the supporting doc, police reports, identity theft report.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information reported on my credit report. I provided detailed information about the accounts in question and notified them of the violations they have made to my consumer report. Despite the mandated XXXX response period, I have not received any response from them. Attached are copies of all the letters I have sent for your reference.
Consumer complaint received 2023-05-30
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Case XXXX previously opened was not addressed. Transunion blatantly ignored my requests. Someone else at Transunion already disclosed that XXXX XXXX was able to change the report to his name at which time Transunion put a security alert on my account ( without notifying me of the breach ). So now they are dodging my questions and this issue is not resolved. Below are my questions : 1. When did XXXX XXXX access my account and make the change?

2. Why wasnt I notified?

3. Why isnt there a stop in the system to prevent this from happening?

4. To change the report to his name there should be documentation requested from him that substantiates his request. Why wasnt this obtained?

5. What assurances do I have that this will not happen in the future?

6. Now, more importantly, why did Transunion ignore my questions about the security breach. Today I received an email from Transunions escalation team. It covers up the fact that they allowed XXXX XXXX to change my report to his name and failed to notify me. It reads as follows : Hello XXXX XXXX XXXX, We have reviewed your complaint along with the information you provided regarding this issue. Due to a system issue, your credit report was previously unavailable online ; however, the issue has been resolved. 
According to our records, on XX/XX/2023, a temporary lift, with an expiration date of XX/XX/2023, of your TransUnion security freeze was applied per telephone call received. Please note that in order to manage your TransUnion security freeze online, you must create a XXXX XXXX XXXX account. Please visit Visit www.transunion.com/credit-freeze for more information. 
Currently, your name and address reflect as provided within this complaint on your TransUnion credit report. 

Please review my previous complaint. Transunion did not address my concerns.
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX XXXX XXXX XXXX ( Acc # XXXX ), Account name : XXXX XXXX XXXX XXXX XXXX XXXX  ( Acc # 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 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.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Experian is reporting incorrectly my balance on my XXXX XXXX Credit Card. I have provided a snap shot of what is currently being reported. Current balance of {$240.00} is incorrect and needs to be {$170.00} as the other two bureaus are accurately reporting.
Consumer complaint received 2023-06-09
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. (NY)

To Whom It may concern, I was a victim of identity theft. On XX/XX/2023 I went to look at my credit report. I have all these collections and none of these I recognize and I do not owe them any money. I have contacted all 3 major collections agencies and with little help from them which is why I was referred to come here since this is all fraud and I'm just trying to make my credit score accurate for me and my family.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm experiencing distress, dissatisfaction, and XXXX 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 2018-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AZ)

On XX/XX/2018. I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. The total balance shown {$3100.00} for XXXX XXXX. This is a fraudulent account opened in my name. I never have any service or associates with XXXX XXXX. On XX/XX/2018. I called XXXX 's fraud alert line and reported the fraud concerns, however, the customer service told me that there was an account opened under my name, however, she could not access my information because the account already sold to XXXX XXXX XXXX XXXX XXXX. She said she can not help me and told me to call the debt collection agency instead. 


Below is the body notice of the notice that sent to me : Dear ( my name ) : This notice is being sent to you by a collection agency. The records of XXXX XXXX XXXX XXXX XXXX show that your account has a past due balance of XXXX Our client has advised us that they are willing to satisfy your account for 35 % of your total balance. The full amount must be received in your office by an agreed upon date. If you are interesting in taking advantage of this opportunity, call our office within 60 days of this letter. Your reduced balance amount would be {$1000.00}. Event if you are unable to take advantage of this opportunity, please contact our office to see that terms can be worked out on your account. We are not required to make this arrangement to you in the future. 

Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had some detrimental items on my credit that were incorrect. These dropped my credit score significantly. 

I submitted complaints here and the items were removed. Before these items hit my credit score ( XXXX and Transunion ), it was up to XXXX. Now that all of these items have been removed my credit score is going back up slowly. The issue is that if incorrect items hit my credit report and drop me nearly XXXX points, removing those items because they were INCORRECT and did not belong there should restore my credit BACK TO WHERE IT WAS BEFORE THE ITEMS LOWERED IT. 
What I am seeing is that I am starting back from where the incorrect items brought me down to which was XXXX. This is completely XXXX backwards. This is literally holding me back from purchasing a home. I am ready to sue the doors off of everyone I can to simply get a high XXXX credit score for god 's sake. This is ridiculous and causing XXXX for me. 

My score should be around XXXX and moving up, not XXXX and moving up. 

From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX ) From Transunion ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX )
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

Opened up a Home Depot Credit Card Account for a remodeling job. Mailed a check to XXXX Depot for {$700.00} on XX/XX/2022, for one of the 1st payments. Paid Home Depot monthly payments on the Home Depot Credit Card from XXXX through XXXX. In XXXX we made a payment for the final balance for the amount of {$14000.00}. In XXXX we received notice that we still owed {$700.00}, and that is when we realized that our check was never credited to our account. I have spent the last 6 months submitting Dispute filings to Home Depot, letters to the President of Home Depot, multiple phone calls & emails to Citibank Credit Card Dept. I have received verification from XXXX that the transaction was approved, & my personal Bank that the funds were paid to Home Depot as an ACH payment. Home Depot & Citibank have been calling, emailing, and texting me with demands for additional payments. A recent letter from CitiBank states, " Home Depot was funded for the amount of {$700.00} on XX/XX/2022. There is no evidence that Citi was ever funded for the ACH, the documentation that was received is insufficient ''. I have given Home Depot/CitiBank all the verification needed, yet they still insist that I am responsible for loosing the check/ACH payment.
Consumer complaint received 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-12-09
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX 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 XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-30
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. (SC)

I have been trying for MONTHS to get my credit in line with not much being accomplished. Creditors or Bureaus have nothing to gain by reporting the correct information. All XXXX reports are different, stating different inquiries account open or closed and I actually GIVE UP. Ive done my best to get fixed what I thought I could but no one cares. Again, my credit doesnt affect them. Im done submitting, waiting, etc. You can close open disputes from me on any account with any bureau. I can only bang my head against a wall for so long. I guess Ill pay for any mistakes I made as a single parent with a son diagnosed with XXXX XXXX XXXX at a young age that set me back. Ill never recover from keeping him alive, but I did my job as a man raising a child alone. Thanks
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WASHINGTON FEDERAL BANK (AZ)

Hello. We had someone make fake checks through our business acct and deposit them at an online bank, XXXX XXXX. The fraudsters names were XXXX XXXX, XXXX XXXX, & XXXX XXXX. 

Transaction dates, amounts and fraudulent check XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
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: Experian Information Solutions Inc. (SC)

I have been trying for MONTHS to get my credit in line with not much being accomplished. Creditors or Bureaus have nothing to gain by reporting the correct information. All 3 reports are different, stating different inquiries account open or closed and I actually GIVE UP. Ive done my best to get fixed what I thought I could but no one cares. Again, my credit doesnt affect them. Im done submitting, waiting, etc. You can close open disputes from me on any account with any bureau. I can only bang my head against a wall for so long. I guess Ill pay for any mistakes I made as a single parent with a son diagnosed with XXXX XXXX XXXX at a young age that set me back. Ill never recover from keeping him alive, but I did my job as a man raising a child alone. Thanks
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (MA)

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Current regarding their failure to provide me with provisional credit following an unauthorized transaction dispute claim within the mandated timeframe of 10 business days. 

On XX/XX/17, I discovered an unauthorized transaction on my account statement and promptly notified Current of the fraudulent charge. I followed their procedures to file an unauthorized transaction dispute claim, providing all the necessary and evidence to support my case. 

According to guidelines set forth by the Electronic Fund Transfer Act ( Regulation E ), financial institutions are obligated to investigate and resolve unauthorized transaction disputes within specific timeframes. One such provision is the provision of provisional credit to the customer within 10 business days of filing the dispute claim. 

However, despite the passage of the aforementioned timeframe, I have not received the provisional credit from Current. This delay has caused significant financial hardship, as I relied on the prompt resolution of this matter to ensure stability of my finances and meet my financial obligations. 

I have made numerous attempts to contact Current regarding this matter, but I have been met with unsatisfactory responses and a lack of accountability. The prolonged delay in providing the provisional credit has not only exacerbated my financial strain but has also eroded my trust and confidence in Currents ability to safeguard my interests as a valued customer. 

I believe that the actions of Current are in direct violation of the regulations put in place to protect consumers like myself. I kindly request your intervention and assistance in resolving this matter swiftly and in accordance with the relevant consumer protection laws. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take appropriate action to ensure Current fulfills its obligations to provide the necessary provisional credit without any further delay. Furthermore, I hope that this incident serves as a wake-up call for Current to improve its customer service and compliance with regulatory requirements. 

Thank you for your attention to this matter. I eagerly await your response and a resolution. 

Sincerely, XXXX XXXX