davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, TransUnion who are furnishing inaccurate and unverified information on my consumer report. 

You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status. No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Creditor Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$830.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$830.00} Highest Balance {$830.00} Opened XXXX XXXX, XXXX ( XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXXXXXX XXXX XXXX Closed No Info Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditors this is make me lose confidence in the banking system to those violations. I the consumer does not grant. TransUnion the permissions to furnish these inaccurate reports I demand that they deleted this account from my consumer report, in accordance with the Fair Credit Reporting ACT XXXX  TransUnion has violated my right. 15 USC 1681 section 602A. States I have right to privacy 15 USC 1681 section 602A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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 — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-06-20
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: AMERICAN EXPRESS COMPANY (GA)

I reserved a car online from XXXX for the pick up and drop location at XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX on dates of Fri, XX/XX/2023 at XXXX XXXX to Mon, XX/XX/2023 at XXXX XXXX for a total of US {$170.00}, confirmation number XXXX. When I arrived I presented my documentation with my reservation since there was a language barrier. During the time with the representative I didn't include any other additional options that were represented to me and I communicated as best as I could since I wanted to remain at the cost of my original reservation. As I thought after asking asking multiple times did he understand the representative confirmed he understood. When I returned the vehicle in the condition I picked it up in, I asked the representative checking me out was I charged the correct amount and he confirmed it also even though it was a language barrier with him too. As I trusted in XXXX representatives to provide me the correct information I proceeded to leave since I couldn't verify anything since no one was fluent in English and I couldn't wait around being that I had a flight to catch. The next day I checked my AMEX portal and seen I was charged US {$480.00} when my charge was supposed to be US {$170.00}. I disputed the charge with AMEX on XX/XX/2023 and provided the accurate document stating the amount that was provided from XXXX when I reserved the vehicle and wrote a description of what transpired at the location. On XX/XX/2023 AMEX sided with XXXX and closed the dispute stating since XXXX provided documents with my signature that was enough to side with that party which is ludicrous. All I want is fairness from both parties and being a loyal customer with AMEX for years I would expect the company to have the quality of being equitable.
Consumer complaint received 2023-09-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IA)

On XX/XX/2023, I won an American Express prepaid gift card for {$50.00} through a game offered by the XXXX  XXXX. The XXXX  XXXX has mostly awarded XXXX prepaid gift cards through this game, and those have always worked fine. The American Express cards have always been trickierif I wanted to buy an XXXX gift card, for instance, I'd need to spend less than the full {$50.00}. But now the American Express card won't work anywhere I try it : XXXX, XXXX, XXXX, XXXX, XXXX, etc. When I call them, they cite " security '' as a reason the card won't work on XXXX. But XXXX is America 's largest online retailer by some margin. American Express says on its website that cards " may be used virtually anywhere in the U.S. that accept American Express Cards. '' A reasonable consumer would certainly expect this to include XXXX, let alone XXXX, XXXX, XXXX, and XXXX. I would like them to just send me the moneyI have already spent more than {$50.00} worth of time addressing the problem but I imagine they are just sitting there happily collecting interest based on other people 's money that they have made difficult to access in the name of " security. '' ( Their customer service hotline even includes an unusual exercise in the name of " security, '' where you have to push the correct number. This is not a something legitimate financial services providers do when you call their customer service numbers. )
Consumer complaint received 2023-04-19
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. (CT)

I have tried for 2 years to contact all three credit bureaus to have misleading information removed from my credit report. I have individually disputed each creditor. I've had a problem with creditors that should not be on my credit report. XXXX, Equifax, and XXXX refuse to work with me and remove anything. They send me frivolous letters stating that they received my complaint but I have yet to prove my identity. I've sent them letters with my state ID, my debit card, and my social security card. I've called on numerous occasions and still to this day they have not removed any of the misinformation on my credit report. I have requested phone numbers, addresses, and different alias names on my credit report to be removed due to identity theft. I filed a police report with my information was misused. I want what's fair and I want these items removed from my credit especially since they were from Identity Theft.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (FL)

On XX/XX/2022, I woke up to several notifications from my bank. I didnt think anything of it due to the fact of me always having different notifications every morning I wake up. I also was getting a direct deposit in my account as well so that added to me not paying attention. When I finally went to go and see what the notifications were about I noticed two or three unfamiliar charges on my card. I immediately went to go and see if I had fell asleep with my cards unlocked and I did. Anybody that knows me knows that I use apple pay or tap wherever I go and where its offered. These new machines they have nowadays allow people to go behind you and pick up all of your information on your virtual and physical cards and thats exactly what happened to me. Before I disputed anything I went and did some digging myself just so I could have my thoughts and such straight just in case they needed a bunch of information from me. The charges were from a company called XXXX ( {$38.00} & {$0.00} ) and something called The XXXX XXXX  ( {$20.00} ). Minutes later my card started declining because I had nothing left for them to spend. For starters, XXXX is based in XXXX XXXX. I couldnt contact anybody to let them know anything because my phone doesnt dial out that far. Then I went digging for The XXXX XXXX.but I couldnt find anything because I didnt know there was such a thing? These both were online charges and they were done late at night when I was sleeping. I would say between the hours of XXXX. I showed all of this proof to representatives that work for my bank and they did nothing. They werent being fully understanding..The reasoning behind me not getting my money back was because they found no fraudulent activity and because my balance was low? Of course my balance was low. They took XXXX dollars from me and of course the fraudulent activity didnt pop up because this was done online? I emailed and chatted and even tried calling them. Their entire company is all over the place and I feel as though theyve given me the run around with this situation. Today makes a full month of this investigation not being resolved and XXXX is coming up. I need all of my hard earned money.
Consumer complaint received 2023-09-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (NE)

I lost {$510.00} on XXXX because I was buying a XXXX that I originally bought on XXXX marketplace but they wanted to lower the value of shipping I paid so XXXX  wont let me get my money back I have not received the product from the merchant and chime denied my dispute I need this money that was a laptop that originally I bought for school that I cant even get and Im not giving up on my {$510.00} that I work hard for I I dont even get paid enough to meet living standards so I need help getting this money back
Consumer complaint received 2023-07-26
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CT)

Payments for mortgage / loan are based on the average of the XXXX XXXX offered rates for six month US dollar. 
I am requesting reference and information how this loan is calculated from XX/XX/XXXX to XX/XX/XXXX I am requesting information how this loan is calculated from XXXX XXXX XXXX to XX/XX/XXXX. 
XXXX rates XX/XX/XXXX are 5.43000 % And on XXXX is 5.85951 %. 
Why I am charged 8.750 % now for next 6 months And for last six months 7.750 % Where Mr Cooper is obtaining information about rate for XXXX Please provide all explanations.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On or about XX/XX/2022, I sent certified letters to XXXX, TransUnion, and XXXX, notifying them of inaccurate personal information on my credit report and requesting that they update the information as I have been a victim of identity theft due to the data breach of XXXX, and most recently TransUnion and XXXX. I also completed online Dispute Requests to correct the information. To date, XX/XX/2022, the information remains inaccurate. My name, address, and phone number are still incorrect. I have ONE mailing address and any other mailing address is a non-mailable address. I have one correct spelling of my name and one accurate phone number. Yet, all 3 credit bureaus have either refused to update my information, and/or not responded to my correspondence in the required time by law.
Consumer complaint received 2017-10-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NM)

We were offered a loan modification/assumption by nationstar mortgage now mr cooper. They told me in 2015 that they needed a QCD from the mortgagor to me the occupant of the property with mom as a cosigner. 
I got XXXX and had my XXXX XXXX, could not XXXX, XXXX XXXX XXXX XXXX XXXX and needed total care ( XXXX facility level of care ) for 10months awaiting XXXX, had several interventions and now I am walking after a long time in XXXX. I am working with XXXX XXXXo secure employment as a XXXX person and meanwhile my mother, who wanted to cosign to the loan, has been paying through XXXX XXXX escrow. the payment specified in the land contract that wrap the mortgage as investigated by the title company where I bought insurance. 
I asked for a new package in XXXX. It appears that the company sent the package not to my address, XXXX XXXX XXXX XXXX, XXXX, NM. XXXX which is where I live but to a XXXX XXXX in Florida to the mortgagor 's name for them to modify. 
The mortgagors had made the point to all that they do not want to modify, do not want the house, nor the loan. The bank states they did want to modify and that they did not send me another package to me because the mortgagors wanted to modify. I am attaching the company response as well correspondence of the mortgagor to me, I believe there is a miscommunication between all parties absent from acting in bad faith.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My identity has been stolen 2 times within the past 5 years. Just recently since XXXX of XXXX accounts have been appearing on my credit so I have been disputing them. I have started the dispute process over and over every time I dont get results and because of that this company has stopped me from receiving my report with them. I just filed a recent complaint with the CFPB about them not blocking items on my credit report due to the identity theft and not allowing access to my credit report and they responded that they verified the accounts as accurate and that I should receive more information in 7-10 days but quickly ignored my police report, identity theft report and the fact that I cant see my credit report. Its been past the timeframe and I havent received anything but a incomplete credit report. That did not provide the investigation proof that I requested in the dispute of how the came to the conclusion that these debts are mine and I still do not have access to my credit report to check for new fraud.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

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 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 2023-09-13
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-13
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 (TN)

The rep from Care Credit that I spoke with before signing the agreement told me that the 24 month interest free promotion minimum premium would be less that {$70.00} per month for 24 months and as long as I paid the full {$7000.00} loan within the 24 months, no interest would be charged. XXXX, the manager advised me today that he was sorry that I got wrong information from his rep, but the min monthly payment is {$220.00} ( not under $ 70 monthly ) and there is nothing he can do about it. They record all calls at Care Credit, so I asked XXXX to review my original call with his rep and he advised me that it wouldnt make any difference, that my minimum monthly payment is {$220.00}. This is not what I was told I was getting.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

This is not a duplicate complaint ; Carrington has not resolved the escrow issue.!!! Payment {$1300.00} payment XX/XX/XXXX then raised to {$1700.00}. 1. Carrington has been fudging the escrow amount by {$150.00} per month since XX/XX/XXXX citing escrow shortage this is unjustified. There have been 2 independent reviews. Carrington states escrow is {$620.00}, property taxes {$2000.00} XXXX = {$160.00} the property insurance $ XXXX {$290.00}. Taxes {$160.00} + $ XXXX ( {$460.00} ) $ XXXX ( {$150.00} ) Why and where is the additional {$150.00}. Applied to the yearly amount for the escrow balance is resolved during the month XXXX. I am requesting a refund of the XXXX, back to XX/XX/XXXX, which is estimated XXXX. 
2. This account has been under review since XX/XX/XXXX during this time period Carington has charged multiple late fees and did negative credit reporting which I believe they corrected but did not refund any late fees are charges. To resolve this issue please review the escrow and the amount that is actually being charged. A refund is due for the over overpayment in the escrow back to XX/XX/XXXX and the multiple late fees. 

3. Carrington is not following basic escrow practices example if there is a shortage say XXXX the mortgage practice is to divide by 12 which would be XXXX which is added to the mortgage, never 2 times escrow, this practice from Carrington is unethical and causes undue stress of an increased mortgage payment that is unjustified! 

XXXX the escrow should never have a shortage in relation to taxes because I am on the reduced senior citizen exemption!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (OR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, I am writing to file a formal complaint again

st MIDLAND CREDIT MANAGEMENT for multiple violations of consumer protection laws listed below : Failure to Provide Validation Information : MIDLAND CREDIT MANAGEMENT has placed a collection on my consumer report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Denial of Dispute Rights : I have not been given the chance to dispute the account in question, contravening 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Use of False, Misleading, and Deceptive Means : MIDLAND CREDIT MANAGEMENT has engaged in false, misleading, and deceptive practices, violating consumer rights. Failure to Provide Required Disclosures : The agency has furnished the account to consumer reporting agencies without providing necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).
I urge you to protect consumer rights. Do a thorough investigation and appropriate action to ensure compliance with federal regulations. 

Sincerely, XXXX, XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

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 2023-06-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (IL)

Personal Line approved for $ XXXX. After taking withdrawals and making timely monthly payments, account opened 2022, suddenly UPGRADE cancelled my credit limit and began to assess higher payment fees and interest citing a report from XXXX. 

After contacting XXXX ( see attached ) a victim of Identity Theft, the offending remark was removed from my credit reports. UPGRADE refused to adjust my credit line or restore my account to the original rate of interest.

Further, Upgrade Will not share any documentation with me providing any reason for these changes or accept my report of identity theft. Citing they do not have personal information to share with account holders. 

These are usuary high charges that are excessive and not justified under the circumstances. Request assistance to restore my account to its original rate of interest and credit line.
Consumer complaint received 2022-12-06
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. (NV)

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, has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, 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 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.