davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

THESE ACCOUNTS I HAVE BEEN CONTACTING YOU ALL ABOUT DOING investigations ON, THE COMPANIES FAILED TO SEND ME SIGNED DOCUMENTS OF THE DEBT THAT I DO NOT OWE, I recently WENT THROUGH identity THEFT AND BY LAW IF ANYTHING ON MY CREDIT REPORT IS WRONG MUST COME OFF. I SENT OUT THESE LETTERS IN DETAIL ON WHAT IS GOING ON. 

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. 


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 2022-11-14
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. (NY)

This is my FURTHER Complaint that I was the victim of identity theft. XXXX  Fair Credit Reporting Act XXXX XXXX ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC (NC)

I received a letter froma debit collector ( Revco Solutions ) stating that I owed XXXX XXXX XXXX {$1900.00}. Said that I had a financial account with this credit union. I have never heard of the company. I did receive a debit card the end on XX/XX/2024 but since I get credit card offers from time to time I didn't do anything with it. I still have the card, still attached to the letter with the activation information but I never tried using it. I called XXXX to dispute the amount and since I couldn't get a code to the email or phone number they had on file I couldn't be verified. They had all my personal information. My address, birthdate and social security number. Told me that they couldn't do anything about it and to reach out to a credt bureau to try to resolve this. I did go on the internet and froze my credit but I am still afraid they are going to come after me with wanting this money.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account XXXX 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 a account without my written instructions
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FC HoldCo LLC (NC)

I have had an account with Flagship Credit Acceptance, XXXX XXXX XXXX XXXX XXXX PA XXXX since XXXX of 2023. 

I have made on time payments towards my car loan with them every month without fail and they have not reported anything to the credit bureaus. 

I have called 5 times over the last few months asking why and they tell me every month that they will be reporting next month and will send me a letter when they do. I just received my first letter 4 months after my first complaint/request to them and it was a thick envelope of XXXX receipts. Receipts for the last XXXX  months of payments and a note at the end stating that they will be reporting to the credit bureaus as soon as they can. 

I monitor my Credit because im in the credit rebuilding stage and there is not even a record of my car loan account with flagship anywhere on my credit reports. 

Please Help.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

Called in to a representative and reported unauthorized transactions. She said she need to cancel my card. I expressly stated to not file a dispute. I made it clear to not file a dispute. I made it clear she didnt even have my address to send me a new card. She clearly stated that the card was active. I stated I had over XXXX accounts I would be forced to update. I did not want to have to do this because my daughters birthday was in XXXX week and her presents and gifts would not be delivered because they were attached to that account. I made it clear I would close all accounts if my card was closed because it was directly against my wishes and asked her one more time to verify if my card was active. She confirmed I said I would call back in to file a dispute. Within minutes I got a notice that my card was deactivated against my express wishes. A dispute was put in with only XXXX transactions, which is about XXXX short of what was taken so there is no point in filling a dispute because 90 % of the transactions are missing which means I need to do it all over again. The incompetence is just staggering. I have no way to access my money. My daughters birthday gifts will not be delivered. I had returns in excess of {$2000.00} that now will not be eligible to be returned.
Consumer complaint received 2024-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BSI Financial Holdings, Inc. (CA)

The loan originated as a pick-a-pay predatory loan with XXXX XXXX in XXXX. After being transferred to XXXX, then XXXX XXXX, the loan was transferred to Servis One, XXXX BSI Financial for servicing, and the assignment was transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX, on behalf XXXX XXXX XXXX XXXX The true ownership is unpublished. In early XXXX, I identified that Servicer BSI Financial failed to apply ( 3 ) payments of {$3500.00} to my account balance, added {$1200.00} additional fees, and they refused to provide an explanation of where the funds were being applied or a legible accounting. In XX/XX/XXXX, while BSI Financial was entering into a consent agreement with the Consumer Financial Protection Bureau, Consent Order No. XXXX, I filed suit against the servicer as BSI failed to provide a proper accounting and had committed several RESPA and TILA violations against me. In XX/XX/XXXX, I identified that the missing funds were placed in unapplied funds for 18 months, from XX/XX/XXXX until XX/XX/XXXX. 
To this day, BSI is continuing their conduct of violating state and federal regulations, including XXXX CFR XXXX ( c ) ( XXXX ), by improperly billing my account, by adding an enormous amount of fees and costs, {$260000.00}, that are unreasonable and unverified to my account balance and payoff statement ; placing a " cease and desist '' order on my account and failure to provide accurate information to a borrower regarding loss mitigation options and foreclosure, as required by XXXX, failure to accept loss mitigation package for review ; moving for foreclosure judgment or order of sale, or conducting a foreclosure sale in violation of XXXX ( g ) or ( j ). BSI has also violated their own consent order with the Consumer Financial Protection Bureau, ADMINISTRATIVE PROCEEDING File No. XXXX dated XX/XX/XXXX by CFPB XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, BSI Financial provided a payoff statement showing the amount of arrears as {$38000.00}, and {$74000.00} was added in litigation fees and costs. On XX/XX/XXXX, Servis One, XXXXBSI Financial, provided a proof of claim to the XXXX XXXX Court for XXXX XXXX XXXX # XXXX, in the amount of {$130000.00}, consisting of {$38000.00} mortgage arrears, {$11000.00} escrow, and {$74000.00} attorney fees and costs. BSI Financial has recently added {$270000.00}, claimed as their litigation fees and costs, to my loan balance for the loan that originated as a {$200000.00} XXXX XXXX loan in XXXX. They have also threatened to continue to increase their fees until they take all of my equity. The payoff demand is approximately {$470000.00}. BSI is justifying this demand for enormous fees and costs solely by the original note with XXXX XXXX, the loan that was deemed predatory by XXXX XXXX XXXX. These fees and costs have prevented the California XXXX XXXXXXXX XXXX from providing assistance and bringing the loan current.
Consumer complaint received 2024-04-16
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

I won an American Express gift card in the amount of {$2500.00}. I was saving the gift card until I needed it and when I went to use it I realized that the card wouldn't work. I then called AMEX and they said that even though the card wasn't expired that the funds had been turned over to the state and the purchaser of the card was contacted and asked what he wanted to do with it. The purchaser of the card just worked for the company that i won the prize for he didn't spend his own money to buy the card. This person told AMEX that he wanted a check mailed to him in the whole amount. He basically stole the money from me. I would like to try and get this money back since it was rightfully mine and since the card didn't expire yet. This person should also be accused of a felony in the amount of the gift card.
Consumer complaint received 2022-11-14
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. (VA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX Balance : {$650.00} ; XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-06-23
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. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I wanted to close my Capital One Account in   XXXX   2017. So I refinanced my car with   XXXX   XXXX   XXXX   XXXX   and they got a pay off amount on my account which Capital One received on   XXXX    XXXX , 2017. I received a phone call today stating that I needed to check my account because it was past due. Come to find out Capital one has been charging me interest and late fee charges on an account that was closed. I never received a notice or statement for the months of  XXXX   XXXX  or  XXXX  2017. I checked my account on line on  XXXX   XXXX , 2017 and my balance was   XXXX   and the account stated closed. This has impacted my credit report as I am now 50 days late. I Spoke with   XXXX   at Capital One who has stated that they would reverse the charges and give me a  XXXX  balance as on  XXXX   XXXX , 2017 and would reverse the late notice on their accounts and with the credit reporting agencies. I do not have my credit card but it was a   XXXX   XXXX    master card ending in  XXXX
Consumer complaint received 2024-04-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

XXXX. I am a New York resident. The company is not licensed in New York That is a minor issue. 

XXXX. The main issue is that by way of caluclation I am paying 120 % interest a year it is falsely described as acess fee, whenever it is used but it is another way t charge a reidiculsoy high carry fee. 

XXXX. For example my first payment was approxiamtly XXXX for the first month. 
only XXXX get applied to vailble credit the other is a monthly fee. 

This is plain XXXX.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-21
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-03-25
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called your department after I purchased a credit report with XXXX on XX/XX/. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these was COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act Convergont Account # XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

I have been charged ( {$110.00} ) twice for the stay by XXXX XXXX  XXXX XXXX for the stay ( XXXX - XXXX ). When i checked with the hotel they told me that they have refunded the charged which they have done on XXXX XXXX and shared the statement with me.When i called the XXXX XXXX credit card ( synchrony bank ) department they told me that they will raise a dispute and this amount will not be charged to me until this issue is resolved. 
But i have been charged twice with XXXX as a part of last month 's statement. When i talked to the customer service executive and give the refund transaction Number to him, he informed me that they have received this amound from the hotel guys. But still it will take XXXX days for this issue to resolve. 

Even though they have got the credit back from hotel they have charged me with XXXX dollars, and they want me to wait for XXXX days to get back my money. 
I would like to raise a complaint against synchrony bank for the above deed.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MA)

Year XXXX 's Travel Together Ticket offered by Chase British Airway Visa card. 

I am entitled to a Travel Together Certificate for the 2023 year because I had met the {$30000.00} spending requirement. 

The spending requirement should be based on the CALENDAR YEAR which is stated clearly on British Airway 's website. However, Chase insisted that I did not meet the requirement because of my XX/XX/XXXX statement 's cut off date of XX/XX/XXXX. This is NOT what the requirement says. I had discussed this with Chase over the phone and had it escalated with Chase. However, I was only getting standard answers saying I did not meet the spending requirement without anyone 's actually looking into the issue for me.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-14
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)

Credit bureaus is in violation of the XXXX XXXX XXXX XXXXXXXX. I was not contacted in writing XXXX XXXX prior. Please remove and block fraud accounts from my account.