davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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. (MD)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-05-12
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. (TX)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6500.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MN)

I was told that if I paid my debt that they would removed the debt from my credit report, and that I would no longer report on my credit report. XXXX XXXX signed an agreement ( See attached ) stating they would, then failed to remove the debt from my credit report. When I called FCO they we're unable to talk to me about he debt and told me that I would need to reach out to renter warehouse and that FCO does not remove debts from consumers credit reports under any circumstance.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AZ)

On XXXX my Citi-Bank credit card was fraudulently charged {$480.00} by XXXX XXXX XXXX I did not authorize this charge. I beieve this to be a double billing for the XXXX XXXX XXXX I purchased on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in 4 montly installments on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, my final payment was charged and I received an email from XXXX saying my subscription was paid in full for the year. It is impossible to speak to a person at XXXX. They do not respond to phone calls, you are rerouted, or email. Chatbot is ineffective. I filed a dispute with Citi-Bank and forwarded all the information they requested. They want more of which there is no more. I have given them all the facts. I have talked to XXXX XXXX and a supervisor named XXXX. They will not give their last names. XXXX said it would be resolved no later than XXXX. I never heard back form Citi-Bank . By law they are supposed to give me a reason in writing what the charge was for, but they have not done so. I have included documents showing confirmation, charges and receipts.
Consumer complaint received 2021-03-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (DC)

Please remove hard inquiries 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 2023-06-01
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. (NC)

I have contacted XXXX, XXXX, & TransUnion regarding my personal information. There are many variations of my name & addresses. They have refused to update my personal information as requested despite me showing proof of my current address and my only legal name. I requested that any other variation in my name or be deleted immediately. I also requested that my date of birth and SSN be deleted for privacy reasons after being a victim of identity theft. I have also contacted them and requested that the unauthorized inquiries be deleted that arose from identity theft. They refused to delete the inquiries which resulted from identity theft. XXXX, XXXX, & TransUnion are in violation of the FCRA by not complying. As a consumer I have a right to privacy. I have contacted them notifying them of the fraudulent activity on my consumer report. These companies have failed me as a consumer and are at this point willfully not complying.

15 U.S. Code 1681- Congressional findings and statement of purpose - ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681c2 - Block of information resulting from identity theft - ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer All documents required by law are attached to this complai
nt.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

I received spoofing calls that were exactly as same as ICE and the local police department. Scammers were planned and cooperated well, and I was convinced to install an app on my mobile phone which gave them access to my mobile accounts. I noticed the transactions immediately, deleted the app, and drove to the closest Chase bank within 15 minutes of transactions. The banker told me they couldn't stop the transaction even though the transactions were still pending which lasted until the next day. I contacted their fraud detect depart and XXXX and made a claim, after a day of struggling because they kicked responsibilities to each other and transferred me to at least 10 different bankers ; after I insisted to follow the process of how they conducted investigations, bankers on the phone told me they would give me the claim number but wouldn't investigate at all since my case wasn't an obviously fraud ; from my understanding, my hard earn XXXX dollars just gone because they didn't want to stop the scam.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

I contacted XXXX on XXXX of 2019 and advised that the courts had included my Student Loan Debt in my Bankruptcy but they refuse to remove the loans. I've given them the information from the courts and XXXX has closed out the accounts but they are still reporting balances in my XXXX.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I received email notice that my PayPal Account has been permanently suspended due to unspecified fraudulent activity. This suspension comes a week after I provided PayPal with all requested documentation to establish account ownership. The fraudulent activity that is alleged in the initial and permanent account suspension notices has not been explained and no process for addressing the issue beyond providing documents is available. 

The complaint I am making is not the issue of account suspension, but rather the fact that PayPal is now holding all the funds in the account for 180 days with nothing more than a statement saying that they will contact me in 6 months. 

So for 6 months, PayPal will be holding my money ( and using those funds in its transaction clearing pool ) while preventing my access to funds that I own. This is little more than petty theft. 

Secondly, a portion of the funds in my account are held in cryptocurrency, which we all know fluctuates rapidly in price. I fully accept the risks inherent in freely trading a volatile asset. What I dont accept is the trade platform arbitrarily eliminating my ability to trade those assets for an unreasonable period of time. PayPal offers the ability TO TRADE ( ie buy and sell ) cryptocurrency ; I am being forced to sit and watch my funds as the price fluctuates for six months with NO ABILITY to decide whether to buy or sell. In 6 months, this portion of my account could be worth a million dollars or zero dollars and there is nothing I can do about it. The price of the asset is a market risk, but PayPals decision is consumer abuse. 

I am not concerned about the random account suspension, nor the actual amount of money involved. I am extremely concerned about a financial gatekeeper having the ability to arbitrarily restrict access to funds, while also continuing to use those funds AND to affect the overall value of those funds OUT OF THE CONTROL of the account owner.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

transunion can you knock off XXXX of these hard inquirys XXXX XXXX Bank ) XX/XX/XXXX XXXXXXXX XXXX  XXXX Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( XXXX XXXX XXXXXXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX heres 6 i have no knowledge of and didnt make check into them and delete those that merit it thanks
Consumer complaint received 2023-06-01
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. (LA)

I received a copy of my credit report, and it is showing an address I've never lived at, and I would like removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

As you may be aware the year XXXX has been very challenging for myself and other homeowners with their mortgage payments, I too was unfortunate to fall behind. So i felt really relieved after i applied for a deferred payment and got an approval from my mortgage company -Select Portfolio Servicing Inc , in XXXX of XXXX. However immediately after the approved deferral my mortgage company informed me that effective the same XXXX of XXXX my loan is now subjected to a significant increase in my interest rate from an affordable 4 % to a whopping 9.54 % which effectively increased my monthly payment from {$1000.00} per month including escrow to a overwhelming {$2100.00} per month including escrow. I contacted the company regarding an affordable interest rate reduction in XXXX of XXXX and to my great disappointment and after a lengthy and drawn out process of communicating with them and providing their info requests from XX/XX/XXXX they informed me in XXXX of XXXX that my request for a reduction of the interest rate which was doubled-up and ill-timed was not approved and even suggested i give up my precious family home to a short sale. I am in the process of appealing their decision and realized i will need Help from your organization to deal with this GIANT Problem with this Giant of the industry who makes decisions about people 's lives with no regard to peoples social needs of having somewhere to call home and being able to stay in their homes especially during and after the tumultuous year of XXXX and beyond where the corona virus came and turned our lives upside down. 

I sincerely look forward to your Help in this feeling of helplessness situation that i am in.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

I have a XXXX XXXX bill on my consumer report. I sent a-lot of letters to creditors and the bureaus about this matter Also they have been reporting late payments to closed accounts thats been charged off which is illegal by consumer law. 
XXXX XXXX Account XXXX XXXX XXXX XXXX Bank By provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX 2 Compliance regulation, I have the right to a Fair and accurate credit report and are required to remove any information that is not true or accurate.I demand these Accounts mentioned to be removed immediately permanently.
Consumer complaint received 2023-06-20
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. (FL)

I HAVE 26 FRAUDULENT HARD INQUIRES ON MY REPORT ..PLEASE REMOVE THEM ALL.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-18
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. (PA)

These are the Specific inquiries that are falsely being reported on my credit that I requested to be removed : 1. XXXX - Date : XXXX 2. XXXX XXXX - Date : XXXX 3. XXXX  - Date : XXXX 4. XXXX  XXXX/XXXX - Date : XXXX 5. XXXX - Date : XXXX 6. XXXX/XXXX/XXXX - Date : XXXX 7. XXXX  XXXX XXXX - Date : XXXX 8. XXXX XXXX XXXX - Date : XXXX 9. XXXX  - Date : XXXX 10. XXXX XXXX - Date : XXXX 11. XXXX XXXX XXXX XXXX - Date : XXXX 12. XXXX XXXX  - Date : XXXX 13. XXXX XXXX - XXXX 14. XXXX XXXX XXXX  XXXX - Date : XXXX These are all false inquiries that I requested by mail and follow up complaint to be removed today. I wrote these detailed notes to Experian, XXXX XXXX. And XXXX last month. Im being targeted.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

Back in XX/XX/2020, I purchased an airline ticket with XXXX XX/XX/XXXX. In XXXX, when the flight was scheduled, it was cancelled due to Covid. I fought with both XXXX XX/XX/XXXX and Citi Bank Credit for a refund. It was denied even though U.S. Dept. of Transportation said the must offer the refund. It took ten months of dispute and getting my congressman, Representative XXXX involved to get the refund. However, Citi Bank credit card refuses to refund the credit charges even though they acknowledge that it was a bogus charge in the first place. Charges from Citibank are about {$200.00}.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (NY)

My XXXX was stolen in XX/XX/year>. My virtual wallet and all of my accounts were compromised. A charge of {$40.00} was made without my knowledge or consent. I reported the theft to Apple and the XXXX. I provided proof of this to Goldman Sacs. The bank refuses to refund me.
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (GA)

I emailed XXXX requesting Debt Validation Request : XXXX XXXX XXXX. XXXX. 

According to 15 USC 1692 G, I am requesting the following information : 1 ) A full detailed list of the payment history of this account XXXX ) The original signature that i agreed to on the contract for this creditor XXXX ) Has there been any insurance claim found on this debt XXXX ) The chain of title UCB have to collect on this debt.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Hello, I had a Victora secret credit card. I have never made a late payment on any of my accounts. I called Vicotrai Secret or went into the store not sure, on XX/XX/22 paid off this credit card XXXX and closed the account and there is activity on this account that is on my credit report that I am not making payments. This has decreased my score over 61 points. I have disputed this information with all three credit beaures and not heard a response. It has been on going since XXXX. 
XXXX statemnt due XX/XX/22 was XXXX. Then for some reason the balance went up XXXX and I paid that off. I have worked so hard on mainitnng a great credit score to buy a home plus I am in XXXX school and may need loans.
Consumer complaint received 2021-03-18
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 — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-04-21
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)

Equifax ; XXXX  and XXXX  are incorrectly reporting me ( 60 plus ) days late for XXXX, XXXX and XXXX, 2019 on the XXXX Bank partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX Bank wherein they provided me with incorrect information regarding the availability of escrow funds and due to this oversight, lates consequently were reported. XXXX Bank submitted a request to the bureaus to remove the negative credit reporting for XXXX, XXXX and XXXX, 2019. Unfortunately, the bureaus have not yet removed the lates that are still reporting. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-06-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-20
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. (WI)

I have fraudulent hard inquiries on my credit report List of inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX