davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have call and sent out 2 request by Certify mail to XXXX XXXX  request for verification for debt on this date first delivered XX/XX/XXXX at XXXX second request delivered at XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX did not respond or send me verification of the debt Instead, they sent me a settlement letter on XXXX To settle And then change the original charge off date XX/XX/XXXX that was on my credit report to XX/XX/XXXX and adding more incorrect Information on my credit report it have been over 30 days and I have not receive The proof of verification, so For this debt so Asking for this to be removed off my credit report on the fair act Credit reported enclosed Is my XX/XX/XXXX Credit report Report number # XXXX
Consumer complaint received 2024-03-28
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX -Date of inquiry : XX/XX/2023 - XXXX XXXX XXXX -Date of inquiry : XX/XX/2023
Consumer complaint received 2024-03-28
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. (NC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-05-26
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. (PA)

Please investigate these inquiries as they were inserted on my credit report without my authorization. I called Transunion to ask why my credit was pulled without my authorazation and I was told that It's nothing that can be done by law It say that All information reporting should be 100 % accuarate and these inquries is not. Thanks again
Consumer complaint received 2018-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/2018 I made an additional payment of {$1100.00} to Chase in order to have the PMI removed from my account. I was told that the payments are made in the rears so I will still have to pay an extra {$81.00} in XX/XX/XXXX even though I am under the 78 % loan to value ratio. Then in XX/XX/XXXX they still took the {$81.00} out of my account but didn't label it - {$81.00} PMI. I called to find out why and was told it was a mistake and that they would refund my money, this was the beginning of XX/XX/XXXX. I waited about 10 days with no results so I called them back again. This time the guy said he would send it to the escalations department and It should be resolved in about a week. After another 10 days and nothing from the bank I called again and basically got the same runaround. Its now XX/XX/XXXX and I just called Chase and asked to speak to a manager about the problem. When the manager got on the phone and I explained the situation and asked why it was taking so long to give me back my money she told me " Its your fault, your the one that set up the payments ''. I told her I have a letter from chase telling me that XX/XX/XXXX would be the last month that I was charged {$830.00} and in XX/XX/XXXX my payment would be {$750.00}. Instead they charged me {$840.00}!!! I explained to this lady that with their auto pay feature, It withdraws the amount that they charge me. Not any number that I put in, so how is this my fault?? I told her I was going to report them and she snickered and said report us to who? Apparently Chase thinks they are above the law and can do whatever they want, whenever they want. I will NEVER open another loan or any other accounts with them. They have the worst customer service I have ever dealt with.
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

My Mortgage load provider " Nation star '' did not pay second tax installment for year 2012. I got notice from XXXX XXXX County Tax clerk saying that the tax for 2012 is sold and tax redemption needs to be done quickly and they had put in lot of penalties. I informed my mortgage company is not helping and not acting quickly to resolve this issue
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

My Chase Freedom Flex card comes with a quarterly benefit of a {$10.00} credit when making a purchase on XXXX. 

On XX/XX/23, after enrolling the card with XXXX per the terms, I made a {$15.00} purchase on XXXX. Ever since then I have been trying to get Chase to send me my {$10.00} credit. 

I was told multiple times, on the phone and in writing, that the credit would be coming, but it has now been more than 2 months and I am still getting the run-around. 

Thank you for any help you can provide.
Consumer complaint received 2017-03-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

I borrowed a loan in XXXX for a year in college, the burden of the loan was too high and I withdrew from the program. They were unable to collect payments from me since I was not working then in XXXX I started XXXX and the loan was in collections or default, due to the aggressive collection efforts, I suffered from fear and XXXX and had to with draw from my program. I filed for bankruptcy but this loan will not go away and has affected my ability to get a job or move forward in life.
Consumer complaint received 2017-03-23
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JH Portfolio Debt Equities, LLC (CA)

I recieved a call on XX/XX/XXXX from a debt collector saying that a XXXX account with a balance of over {$5000.00} was in default and that they were debt collectors looking to settle and that if I did not, I would end up in court and sued. When I heard this, I made no promise of payment or agreed to any form of contract payment and then they said I had 3 days to call them back to with my decision or else they would go to court. After this, I felt something was wrong and realized that the account they were referring to was not one that I had opened myself and that I had flagged prior back in XX/XX/XXXX as a possible fraudulent account. After looking into it more I realized that the account in question was opened as a factoring company type account, something which I have never done before. Therefore, I decided to take steps to report my identity as being stolen most likely along with the fraudulent activity.
Consumer complaint received 2017-03-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was charged twice {$35.00} overdraft fee ... I believed I had opted out of this and do not want this service ... If the $ $ is not in the acct, the transaction should be rejected. 

Secondly, on the 1st overdraft, the bank held a {$1500.00} ach transfer from XXXX, which should have been in the acct. 

Third, the XXXX charge that created the next {$35.00} over draft should have been rejected. Not my issue the bank processed a payment they should have known better to process. This corrupt banking service is bleeding the American Consumer of Billions of dollars a year when they have the ability to rectify the accounting issues creating the timeliness of certain deposits/debits ... in reelationship to these " fees '' ... Legalized extortion is why the CFPB was created!!
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am sending this complaint to address a persistent and troubling issue regarding the incorrect reporting of late payments on my credit report. Despite my numerous attempts to resolve this matter, I have yet to receive a satisfactory response, prompting me to formally dispute and request the prompt removal of these inaccuracies. 



I have been diligently working to rectify this issue, and it is disheartening to see that my previous efforts to communicate and correct the inaccuracies on my credit report have been unsuccessful. I am perplexed as to why my requests have seemingly been disregarded, particularly given my status as a victim of erroneous reporting.XXXX  XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

On XXXX XXXX, 2022 I received a letter from PennyMac stating that my property taxes on my XXXX property were overdue, and that I would be in default of the loan terms if not paid within 14 days. I paid the taxes on the same day of receipt, XXXX XXXX, and I paid them in full. As requested by PennyMac, I sent in proof of payment ( verified Credit Card receipt AND proof of payment from XXXX XXXX XXXX, showing that XXXX taxes were due on my property. I then received a phone call with a recorded message on XXXX XXXX, stating to call about my account. There were no details left, nor which property and I have XXXX loans with this company. Also, when I answered the phone to PennyMac, it is a recorded voice telling you to call them, and no human is on the line, On XXXX, when I was finally able to call and speak with a person, I was told that my taxes were unpaid. I explained that I had both FAXED and POSTAL mailed proof of my payment XXXX weeks prior. The service rep was able to fix everything but it too, XXXX minutes and am very concerned that because of this they will try to default my loan based on unpaid property taxes. How does such a gigantic company not update its records for XXXX month? I also believe that the company should have to leave detailed information about what the issue is and what property it is specifically. I also had received an email from PennyMac about the status of my account on XXXX XXXX. I called that day and the rep said there were no issues with any- all XXXX of my accounts. And then today, I get yet another phone call- robo call without any information- even though I answer the phone, you get a recording telling you to call them. The rep also said I had requested I have now spent several calls, hours and emails for something that should not have even been a problem. It is very frustrating and this can't possibly be good business practice. It causes extreme anxiety to threaten a patron with flawless payment history and had complied immediately to continue be told they will possibly default the loan and this company should have either more employees and have some checks and balances so this doesn't continue to happen.
Consumer complaint received 2017-03-23
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (MS)

I 've been disputing this for 2 years now. I recently Pulled my credit and saw ALLY Financial is still on my Credit report for $ XXXX. I do not recall this debit, I sent XXXX different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. Ally is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.
Consumer complaint received 2024-03-28
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. (CA)

I received the investigation results from my previous dispute & am very confused. I don't think you fully investigated my claim of identity theft as the following accounts still remain so I am disputing the accounts again. These accounts were opened without my knowledge, consent or authority. I talked to the banks and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Please block/remove these items : XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX .... Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX .... Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$570.00} XXXX XXXX XXXX of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$100.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$520.00} XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  ) # # # # # # # # # # # # # # # XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) # # # # # # # # # # # # # XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$510.00} XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$98.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On XXXX/XXXX/22 I did a mobile deposit with Truist Bank into my savings account for a check totaling {$4500.00}. The check was deposited into my personal account even though it was made out to a business. Truist ended up rejecting the deposit because it was made out to a business and not me, which is fine. Over a month later, I reached out to the maker of the check to have them stop the payment and reissue the check in my name. They said they are unable to put a stop payment on the check because the bank has the funds on hold - even though they are indicating the funds will not be released, which is fine. However, they are refusing to release any funds to the maker. I need this resolved and no one is willing or able to assist.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Pulled a copy of my credit report and this item was disputed and still appearing on my Equifax credit report. I never received validation from the original creditor. Reached out to the creditor and they have record of the account.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

I have been banking with Chime for a year and out of the blue, without warning, they emailed me and told me they closed my account and were mailing a check to an address. The address was old and not the one that was in my chime profile. Now I have no way to access my check or funds because the check is being sent to the wrong address. I tried speaking with customer service and they wouldnt help- they told me I had to email XXXX. I emailed them and they wouldnt help resolve either. Now my entire checking and savings is gone and I have nothing left.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IN)

XXXX {$1800.00} XXXX XXXX.directly who stated they could not send me proof of the contract I supposedly signed. Refuses to stop.collections and remove from my credit reports, all XXXX of them. 

Contacted collection agency at XXXXXXXX convergent. Refuses and says they can't send me a contract also. Refuses to stop collections and told me to contact XXXX. Will not seize and desist collection efforts although I have asked numerous times for them to fix my credit report showing this is not my debt
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I have been baking with Wells Fargo for about eight years for some reason my account went overdraft XXXX XXXX dollars they saying that I owe them and I had a check coming in my account so they put the money that I owe them on the side and let me receive my check which does not make any sense which cause my account to be overdressed {$2000.00}
Consumer complaint received 2019-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS Account Resolution XX/XX/XXXX Amount {$200.00} I dont have a contract/agreement with the debt collector This debt was already settled with original creditor on XX/XX/XXXX XXXX
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Date : XX/XX/XXXX2023 Experian XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern I am writing to update /correct the personal information on my file with your company. 
Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only employer is XXXX XXXXXXXX XXXX 
I do not wish to have any telephone numbers listed on my report. 
Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX GA
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX