davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am extremely mad because I've been calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020 and XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

This is regarding lien release for Loan # XXXX. Mortgage company is Mr Cooper ( their phone number XXXX XXXX XXXX ). The loan was paid in full in XX/XX/XXXX to Mr Cooper. They made a mistake when releasing the lien. On the lien release they incorrectly referenced and released a previous loan that I took on the same property in XXXX ( which already had a lien release ). They were supposed to do the lien release on loan I had with Mr Cooper ( loan that I took out in XXXX ). So they really have not issued a lien release for the the loan I took out with them and by law they were supposed to do it wihin 30 days of payment? 

So I am unable to refinance as the title company wont sign off until they release the right loan number ( and the right document number, referencing the loan I took out in XXXX ). I could refinance at 2 % right now, which is a full point below what I am paying right now and they are harming me financially. Not only am I paying 1 % more but I am at risk of loosing this rate as the new financing company wont hold the rate forever. So I may be stuck on paying 1 % higher for the term of the loan which is 15 years. Over the life of the loan I will be paying thousands more in interest I contacted their customer service department in the beginning of XXXX and I have escalated to XXXX XXXX on XX/XX/XXXX, so it has been almost three weeks and I have not received any status info from the escalation department, other than to say they escalated to the executive team but has not received any info since the three weeks I submitted the case.
Consumer complaint received 2021-03-10
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. (GA)

I have been in constant contact with XXXX regarding a charged off account reporting past its statue of limitations and should be removed from my credit file. I have disputed this account with all credit reporting entities as well as the original data furnisher, XXXX.
Consumer complaint received 2023-08-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paysend US LLC (FL)

I have been trying to send money for a week with this company, they have withheld the money for supposedly verification. Every day they have asked me for something different to send a photo of myself, to send a photo of my cards. I asked that I take a photo together with the cards, that I send a birth certificate, that I send proof of life and a number of other things that I think this company is a scammer
Consumer complaint received 2021-03-10
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-03-10
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: CITIBANK, N.A. (WA)

Citibank - closed 6 of my credit accounts without notice. When I called to discuss why one of my attempted transactions was denied ( I was using my Shell Gas Card ), which I pay off every month. I was so embarrassed that the card was denied. 

When I contacted Citibank, I was told that my account had been closed because I appear to be a credit risk to them based on the number of inquiries on my credit reports based on their recent review. I received no notice of this action. Upon further research on my part, I discovered that all my credit accounts that were issued by Citibank had all been closed. All but one had XXXX balances. 

When last checked, my credit scores were in the 700 's, I have no credit card debt. I have a mortgage and two car loans and a student loan. That's it. Although the mortgage and cars are joint with my spouse. Nonetheless, my credit is dang near perfect. I haven't seen an 800 score since my 20 's. 

I feel they closed my accounts unfairly. I don't see how I can be a credit risk when I have no debt and all my accounts are all paid on time.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (SC)

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 2022-04-13
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: Experian Information Solutions Inc. (GA)

I REQUESTED FOR MY FREE CONSUMER REPORT AT XXXX ON XXXX. I RECEIVED XXXX REPORT BUT IT DID NOT INCLUED SPECIFIC INFORMATION THAT IS IMPORTANT TO MY DISPUTE. AND I WAS DENIED BY XXXX AND EXPERIAN. WHICH IS A VIOLATION OF 15 USC 1681g AND 1681h.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (PA)

ON SATURDAY XX/XX/2021, I RECEIVED A MAILING FROM CHASE BANK AND THERE WAS A NEW DEBIT CARD FOR A NEW CHECKING AND SAVING ACCOUNT THAT WAS FRAUDULENTLY OPENED WITH OUT MY KNOWLEDGE. I CONTACTED THE BANK AND THEY SAID IT IS NOW CLOSED THEY DO NOT KNOW HOW IT WAS OPENED AND ARE MAILING ME INFORMATION TO CLEAR MY NAME. MY COMPLAINT IS MY SOCIAL SECURITY WAS USED PLUS ALL MY INFORMATION IS OUT THERE. THIS IS THE FIRST OF 2 BANKS IN 1 WEEK.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (OK)

I have XXXX XXXX from Synchrony Bank since XXXX. I did not use the card at all in the last year, as I did not go for shopping because of pandemic. When I used the card the year before, I always paid all of my debt on time. 
In XXXX, bank reduced my credit limit less than half, without any pre-information. I understand that they have the right to change the credit limit based on my credit score and payment information. However, I do not have any debt to this credit card, to any credit cards, and I have " excellent '' credit score.

I used to have " excellent '' credit score. This all of a sudden reduction of the limit reduced my credit score 31 points! A significant reduction! I am in the process for buying a car and such reduction on my credit score will not be helpful. 
When I sent and email to the bank to inquire the reason of the reduction, a generic email is sent to me saying that they can reduce based on my payment history and credit score. But, both are not applicable to my situation. When I called them, they told me because I have not been using my credit card for a year! This has not been written on any part of the statement that I have to use my credit card! Ridiculous! They also told me that they could increase my credit limit if I ensure them that I will use my card! Is not it a thread? If I will not use my credit card they will keep my limit low and therefore my credit score will go low. 
As I said, because I am in the process of buying a car, I had to ensure them that I will use my credit card and they increased my credit limit to {$5000.00}, immediately. But, I also ensured them that I will complain about this, which I am doing now. 

If this is a common practice, I would be very happy to be informed. If this is not, then, I believe you will handle such misbehavior of the financial company.
Consumer complaint received 2021-03-10
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. (MA)

Hi XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, Transunion ; Listen, it's impossible that you continue to report this account with multiple inaccuracies on payment history from XX/XX/XXXX to XX/XX/XXXX for 30 days late every month. Impossible that you can honestly say that you verified. I've contacted everyone and done several types of research, as I was NEVER late during those times, and you simply replied that it's " accurate & verified '', and that means that you breach my privacy under the provisions of FCRA. It's impossible that different credit reporting agencies report different dates of being late. It's so inconsistent on the way it's reporting! Again, I was shocked when I reviewed my credit report today and found those late payment remarks on my credit report.
Consumer complaint received 2021-03-10
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. (TN)

I PULLED MY CREDIT REPORT. I CANT BELIEVE WHAT I SAW. I HAVE STUDENT LOANS AND IVE NVER ATTENDED COLLEGE. THIS IS HURTING MY PRFILE TREMENDOUSLY. THIS IS A VIOLATION OF MY RIGHTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS. I ALSO HAVE A MEDICAL BILL FOR MEDICAL SERVICES I NEVER RECIEVED. PLEASE HELP ME FIND A SOLUTION TO REMVE THESE ACCOUNTS FRM MY PRFILE. 
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2017-03-30
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY ()

stop sending me emails about mortgages? iam a cash buyer, having lost ahome to fraudulent forclosure with over 50/ % equity in the house and stole by wachovia bank /wells fargo bank with over XXXX cfpb case claims against this was deliberate govermant act to decieve XXXX from the penshions and will fight for justice until the end of life, the cfpb have fined these banks for fradulent mortgage activity and stole home to order $ $ $ $ $ $ this was organised by the govermant as wells fargo bank was forced by the govermant to take over wachovia bank then the govermant told the bank what to do Fha insurance the cfpb have not passed any monies that they have collected from fraudulent activity committed by wells fargo bank you think this will go away and you blatently robbed XXXX people of there penshions and i hold you totaly responsable for your action it will come out in the wash? thanks XXXX
Consumer complaint received 2021-03-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

After reviewing my credit report, I noticed LVNV Funding LLC c/o Resurgent Capital Services, a company that I had never heard of or had any written, oral, or implied contract, reporting that I owed an alleged debt of {$2400.00}. I contacted the company to validate this alleged debt via a letter. The company received the letter on XX/XX/2020 but never responded back to me.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (PA)

This does not perfectly fit your choices. What happened is the credit card bank took money from my account at another bank without authorization. When I brought to their attention, they said I would get the money back in 2 or 3 days. 7 days later I called and they said that they take more time even when it is their mistake -- which they have not challenged. 

It is now nine days since they took {$4500.00} without authorization and have refused to refund it in a timely manner ( or pay any interest on the funds ).
Consumer complaint received 2021-03-11
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. (IL)

Dont recognize credit inquiries Two inquiries from XXXX XXXX  dated XXXX and XX/XX/2020 XXXX Call XXXX XXXX and they said that they dont recognize inquiries after 40 days Call Transunion and they wont remove without FTC or police report Asked Transunion to verify or correct the error and basically got the run around about police reports and calling XXXX
Consumer complaint received 2021-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I submitted a dispute letter disputing that XXXX XXXX XXXX is a reporting a collection account which have surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt, thus should be removed. 

I've attached documentation to demonstrate that the last payment received was prior to XXXX. The attached court documents state " On or about XX/XX/XXXX Defendant failed to make installment payment due and payable under the Exhibit " A '' Contract. '' Please refer to the highlighted/underlined sections on page 4.
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (OH)

CFPB case : XXXX Ref : XXXX, XXXX completed on XX/XX/2023 Resurgent, XXXX, and LVNV have put this closed case back into circulation. They removed the cases once they received the notices from CFPB. They have since put them back into circulation on my credit report. They were all dismissed in my Bankruptcy. 

Is it possible for me to sue them for reporting these accounts over and over again?
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (OH)

I am receiving frequent phone calls from chase card services at the phone number provided. Today I contacted the caller to request the stop harrassing me, and the representative refused to remove me from his system without me providing identifying information despite my numerous requests not to be contact on top of advising him it was harrassment. 

Today XX/XX/2019 I have received four phone calls from chase card services at XXXX. This calls were placed at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. 

Yesterday on XX/XX/2019 I received five phone calls from chase card services at XXXX. These calls were placed at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 
All Accounts : Has Violated my rights. 

XXXX XXXX XXXXXXXX ACCT 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 XXXXXXXX # XXXX 15 U.S.C. 1681 Section 602 A. States I have the rights to privacy. 
15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions. 
15 U.S.C.1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any the following items of information Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

15 U.S.C 1681b. Permissible purposes of consumer reports... 
( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or
Consumer complaint received 2021-03-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IN)

Company Citi Bank XX/XX/XXXX, Opened Citi Priority Checking and Savings accounts XX/XX/XXXX, Deposited $ XXXX to Checking account and {$25.00} to Saving account XX/XX/XXXX, After more than 60 days of meeting the $ XXXX deposit requirements, Saving account was upgraded to accelerated saving while waiting for {$700.00} new account opening bonus for another 90 days. Customer Service stated I am already qualified for {$700.00} bonus and saving account upgrade would not impact my ability to receive the {$700.00} bonus XX/XX/XXXX, I did not receive the {$700.00} after 90 days waiting period. Filed promotion dispute. 
XX/XX/XXXX, Citi saying not eligible due to saving account was not opened within stated time frame. It was completely incorrect as my Saving account was opened on the same date on XX/XX/XXXX, which were reflected on the XX/XX/XXXX statement
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/XXXX, I opened an account with XXXX XXXX Loans for a used ( XXXX ) XXXX XXXX. I have payed my loan as agreed since the day the loan was opened. In XX/XX/XXXX, I noticed that they kept reporting that I was behind on my statement that came through the mail. I called and asked why they were stating that I was behind and they stated that it was error and the system had issues reporting. I asked would this affect my credit and I was told it would not. Well this continued so I called again ( XXXX ) with my wife ( who handles our finances ), and they stated that they could not speak with her although I gave them permission. I tried to explain again and we went through the account and the CSR could not find an error and stated that he would forward it to another department and asked if we could send our records to them. We faxed our records the next day and received confirmation that it had been received. Months went on and this was still not corrected so we called back in XXXX stating that they did not receive a payment XX/XX/XXXX. We explained that the payment was made XX/XX/XXXX and they said they would fix it. They did not but it was still not affecting my credit. In XX/XX/XXXX we got the same explanation about they had not received our payment from XX/XX/XXXX and we disputed it and they said it would be handled by a manager. I applied for a loan XX/XX/XXXX and I was declined stating that I had three late payments on my credit report from XXXX and I called this morning ( spoke with XXXX-mgr ) and they said it was from XX/XX/XXXX. Again, this is not correct. They never called us back and they never contacted me at all by phone about my late status. I was never late. My due date is the XXXX of the month and the state of TN ( which was verified by XXXX ) gives ten days after the due date to get your payment to them. We always pay through XXXX XXXX using an e-check. I want my credit corrected and I want this company to stop antagonizing people whom they believe, do not have the sense to keep tabs on their credit. Please stop this practice. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX