davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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. (NJ)

I'm unsure about the reason, but I can confirm that this inquiry wasn't authorized by me and was carried out by the creditor without my consent! Immediate removal is indispensable.
Consumer complaint received 2023-02-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I had 2 student loans with XXXX. They were transferred to XXXX. Now both XXXX and XXXX are both showing on my credit report. You can clearly see they are the exact same amount. I filed a dispute with Experian and they closed the dispute leaving both sets of loans on my credit report.
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2022-09-20
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. (PA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

I have two checking accounts with Wells Fargo which I only use on rare occasion. I received a notice in the WF mobile app that the accounts were " dormant '' and that I should call to reactivate. Since I had no need to reactivate them, I let them both sit for about two years. Come to find out, I've been charged $ XXXX on both accounts for those two years ( in one account, 26 months, the other 24 months ), resulting in {$460.00} in fees because the balance in both accounts was below {$1000.00}. While I understand the fee was in place if the balance was below {$1000.00}, since the account was dormant, I assumed that everything would have been " frozen ''. If I can't use the account, why would WF use the account and apply all the same fee criteria? I find this deceptive. After complaining to the bank, they refunded me {$20.00}.
Consumer complaint received 2022-09-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-20
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. (TX)

I recently ordered my consumer credit file from XXXX, Experian and XXXX and notice these late payments with XXXX XXXX XXXX # XXXX. I am requesting all be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low XXXXredit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the comp corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Consumer complaint received 2023-06-08
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: PENTAGON FEDERAL CREDIT UNION (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX XXXX XXXX XXXX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX XXXX XXXX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2022-09-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I wrote letters to XXXX, XXXX, and TransUnion. I wanted to dispute the account reporting on my report on the grounds that they do not have the an original copy of the agreement with my signature on it. They sent letters back saying that they did an investigation but never provided original documentation of the agreement. I asked for names of the individuals who were doing the investigation. I have never received and names. I took the time to write and send letters that were notarized with a copy of my identification and SSN. I sent the first letter on XX/XX/2022 the second letter on XX/XX/2022 the third XX/XX/2022 the last letter XX/XX/2022. it cost me {$38.00} everytime to send four sets of letters that were notarized.
Consumer complaint received 2024-04-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (MO)

Rent recovery solutions is violating my rights under the fair debt reporting act. They are on my credit report alleging I owe {$610.00} on XX/XX/XXXX. I sent them a letter asking them to validate the debt stating that I disputed the debt but that I would pay it to have it removed from my credit report for a lesser amount. They never responded to my letter. In the interim, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ill call Rent recovery solutions so I can resolve the issue because I needed to move immediately. I paid the debt. Rent recovery solutions refuses to provide me with payment proof, the representative applied my payment to the wrong account I was left on hold. I was denied a supervisor. I left a message for a supervisor several times she never returned my calls, and even after the representative admit it that she applied the payment to the wrong account she wanted to go on and tell me about the guidelines and rules about me receiving notification of the debt being paid even though they confirmed the payment had been applied to the wrong account, they are telling me I had to wait 14 days to receive proof of payment. They do not have the capability to email receive emails or send receive faxes and they have all this control over peoples livelihood and whether or not they can or can not be approved for a living space
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent letters asking for verification of the company listed below. This account has not been verified by the company below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Extortion and forced to pay for purchase never made and a 2nd attempt was made on this card, Thanks to me it was stopped ( Capital One had no clue ) and then determined FRAUD. But, 1st attempt of FRAUD goes without Criminal justice and victim forced to pay for something never purchased. 
Card was cut up into pieces and mailed to " Capital One '' headquarters in Utah. 
Racketeering still continues forcing me to pay {$4.00} monthly fee for card that does not exist. 
Months and Months pass and Prejudice and hatred continue. 
Ever since their system was " HACKED '' I have had NOTHING BUT FALSE CHARGES. Too many new cards to list Thanks to this companies failure to conduct business in a legitimate manner by Laws established in the USA. 
This company only cares about 1 thing, MONEY, and the customer gets XXXX  in the end. This is why after 15 YEARS with CAPITAL ONE enough is enough. CAPITAL ONE IS CRIMINALS, tired of being XXXX.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Service Bureau (FL)

for the second day in a row ive gotten someone calling me 12 to 13 times back to back within the same minute. they first did it yesterday on an unknown number and then did it again today with exact same number of calls leading me to believe the unknown number was them as well. they sent an email about the debt, i responded saying to stop contacting me via email and phone but these calls are persisting.
Consumer complaint received 2021-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nevada Credico, Inc. (NV)

This happened in XXXX XXXX. I moved out from the apartment early. The lease term suppose to end at XX/XX/XXXX. But XXXX XXXX Manager XXXX XXXX and I made agreement, we both agreed that no fee will be charged. So I moved out on XXXX XXXX. I never received any letter or notice until XX/XX/XXXX, the Quantum collection agent reached out to me, saying I have outstanding balance in 2 separate accounts, one owes {$940.00} in total, another one owes {$790.00}, total of {$1700.00}, however there is {$810.00} in total of cleaning fee and other fees that XXXX XXXX did not have invoice or any evidence of their spending can prove that I own that. And the rest portion of {$920.00} is move in allowance charge back. However I believe that I should not owe {$920.00} of charge back as well because we made orally agreement that they will not charge me for moving out which now I do not have prove of. Now, not only I cant take my security deposit {$1000.00} back, but they also try to charge me even more with those none sense charge. So I offered that I am okay to settle a payment with them, if I really owe those amount, I will pay. And when I talk to the collection agent lady about the Apt does not have invoice, so I should not be charged for cleaning fee plus other fee, and then the collection lady ask me to find prove that I did not owe that ... I dont even know if this is even legal, can they really charge somebody when they don't have any prove or invoice of?? I think this is not legal and ridiculous, and does not make any sense. I hope someone could help me out. They have not reported this to credit bureau yet, because nothing was showed on my report. And they did offer if I pay in full now, they will not report.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (IL)

I am having trouble accessing my money at US Bank. I did a XXXX transaction for a big amount which triggered their fraud protection. It locks you out of your account for 48 hours. I waited 48 hours and called multiple times during this time, but the amount of time is set automatically. During this time, I could not access my account at all online or though mobile banking. 

After my access was restored, I told customer service I would like to do the XXXX transaction again. I did it with the agent on the phone, but my access was locked again. There was no guidelines other than a vague " wait 24 hours '' but I need to send the money as soon as possible. My account is locked again without recourse.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2023-08-09
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. (TX)

I contacted the company and the advised me to contact XXXX for removal ; When contacting the XXXX they advise me to file a identity theft on XXXX. I sent XXXX, Transunion and XXXX the report and additional documents and they advised the amount from XXXX XXXX XXXX Balance {$25000.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX  Balance {$2700.00} fraud accounts will be removed i submitted all documentation and they close the investigation stating everything was verified as XXXX.
Consumer complaint received 2022-10-19
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. (OH)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 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 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NC)

I have made daily calls to Mr. Cooper in order to have additional money spent on their mistake - i.e., not honoring/following contractual obligations and paying in full {$2300.00}. They fixed this mistake on XX/XX/XXXX ; however, applied this money to principal and I requested that this be applied to next payment. This seeming was the case, then 2 days before the mortgage was due this was adjusted to XXXX. 

Mr. Cooper also reported that they would apply their penalty of XXXX to my account ; however, this ALSO has yet to be honored in payment activity. 

They consistently move and change the amount due, and they have yet to follow through on XXXX.
Consumer complaint received 2024-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NJ)

We made our regular mortgage payment in the amount of {$2900.00} Which was our normal payment that was made in XX/XX/2024 of this year to the Mortgage company called NewRez LLC. Our insurance increased that month In the amount of {$70.00}. Arm mortgage company never notified us. They took our money the XXXX XXXX XXXX XXXX and XXXX dollars and XXXXXXXX cents that XXXX. We did not know there was a shortage on insurance until XXXX of this year when my husband went to check the account manually. When he called our mortgage company they informed us that we can just pay the differance and our credit wouldn't be affected Our credit. In XXXX both my husband and my credit was affected by about XXXX points each. We keep on asking the mortgage company to pull the phone call where they guarantee thus that our credit wouldn't be affected and they have not done so. This is the only way we can fix our credit Here is the mortgage company info NewRez LLC Account number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX State OH ZIP Code XXXX Phone number is XXXX Names on the account : XXXX and XXXX XXXX XXXX