davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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. (FL)

XXXX reported to the credit bureau transunion that I did not make an XXXX payment. On their client portal website and in my bank you can see clearly the 2 payments via ACH debit that XXXX charged. I contacted transunion and was informed that I needed to contact the creditor so they can stop reporting misinformation. When I contacted XXXX  the representative refused to help me and said she doesnt do anything with credit. I asked to speak to a supervisor and was told she would send an email and will not be able to get on the line. I tried asking her to please transfer me to a supervisor but before I could finish my sentence She placed me on hold and then came on and said her supervisor XXXX said to email because she couldnt help me & theres no one I can be transferred to.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (WA)

I went to att.com to pay a one-time fee of {$360.00}, the remainder of a phone installment plan I had with XXXX. I have a chat transcript with XXXX that shows the phone payoff was a one-time fee of {$360.00}, as well as a statement on my XXXX purchase history showing this was a one-time fee of {$360.00} XXXX tried to charge XXXX of my chase cards ( Chase XXXX ), which XXXX not go through and I also received text message and email " fraud alerts '' claiming my charge did not go through, to approve it, and try again. I tried on a second Chase card ( Chase Sapphire ), XXXX attempt did not go through and XXXX did. 

Again, all invoices and all documentation show I had a one-time installment payoff of {$360.00}, there is no record of XXXX being owed {$360.00} multiple times. 

While only XXXX of the charges should have been posted to my Chase card, all XXXX were then posted due to the chase fraud alert system and what may have been issues with the internet payment system. 

Chase claims XXXX provided documentation to prove that the XXXX additional charges of {$360.00} were accurate, however, neither Chase nor XXXX have provided me proof of invoice of more than the one-time {$360.00} charge owed to XXXX, nor have they provided proof that I approved more than a one-time charge. 

This was a one-time payoff of an installment plan for a phone, which is clearly documented in both invoices, chat transcripts, and bill history on my XXXX account. There is absolutely no legal reason that XXXX can claim the additional XXXX charges that were posted to Chase due to the fraud alert system are accurate. 

The resolution : please refund XXXX of the additional charges of {$360.00} that were errors in processing. I should be left with only XXXX charge of {$360.00} on XXXX card.
Consumer complaint received 2022-12-28
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. (GA)

An affidavit was sent in XX/XX/2022 and the debt was removed and the debt has now returned back on credit report. Ive attached what was sent certified mail in XXXX and a screenshot of the removal of the debt. Ive attached other supporting affidavits as well.
Consumer complaint received 2022-12-28
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. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NJ)

XX/XX/21 : PNC Virtual Wallet Performance Select approved, advertising {$400.00} cash bonus paid within 60-90 days of satisfying {$5000.00} direct deposit requirement XX/XX/21 : Direct deposits totaling XXXX satisfied the bonus requirement. A call was made to a service representative to confirm XX/XX/21 : Contacted PNC again to remind them the bonus requirements were met and it's been 90 days. The rep first said " no '' to my query. When I challenged if it was a system error or they're denying their advertised claim, the rep then changed to say it was a mistake in his reading the statement history. He said it would appear " soon '' as a credit on a statement. 

XX/XX/21 : It is now approaching 120 days and still no sign of the bonus being credited.
Consumer complaint received 2021-06-02
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: GOLDMAN SACHS BANK USA (NY)

never applied for any credit cards as i have been working to improve my credit score in the last months. I regularly check my credit report and noticed one day on XX/XX/2021 I had my credit pulled for a inquiry I have never made. I have tried calling Goldman Sachs and XXXX  and nobody has been able to even locate the account.
Consumer complaint received 2022-12-28
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. (TX)

In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumers rights to privacy under 15 USC 1681. 
XXXX XXXX XXXX Texas : Docket # 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  All the above listed has violated my rights. 
Under 15 U.S.C. 1681 s 602 ( a ), I have the right to privacy.

Under 15 U.S.C. 1681 s 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-s2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I am a XXXX XXXX with major health problems. I have had a severe reduction in income and I am struggling to stay afloat. My servicer, SPS, has categorically denied my requests for a mortgage modification. There answer to my reasoning is that my mortgage owner, XXXX XXXX XXXX and the mortgage holder, XXXX Bank does not permit modifications. So if XXXX is still the owner, why would they inform me years ago that my mortgage was being sold to SPS? Where does XXXX Bank fit in this scenario? 
Why is it when I apply to SPS for a modification, I am offered 2 options, " short sale or deed in lieu of foreclosure? Why is SPS so XXXX-bent of me being out of my home? I have lived here 24 years, 6 months! 
I feel as if SPS, supposedly defunct Accredited and XXXX Bank should be included with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, because I believe that have engaged in and continue to engage in a financial crime spree that violates every law and rule imaginable. I feel as if SPS decisions are based on race and finances. These foreclosures are destroying ethnic neighborhoods. There are at least 10 foreclosed properties on my block alone and they want to add my home to the list! These companies refuse to work with a homeowner and prefer to foreclose and wait on an investor, who typically waits until the property sells for pennies on the dollar. I am appalled at the freedom at which these companies operate but then again they are fined and it is back to business as usual ... " Let 's get back to work on finding another unsuspecting XXXX to swindle ''! They are prolific in the crimes and the government seems to be oblivious to it or simply does not care!
Consumer complaint received 2024-03-18
Product: Credit reporting 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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 )
and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I could not get a response after mailing a request in for credit reports ... I tried to do online and it said I had an account it had wrong phone- went to this email Name on file showed XXXX after it closed out- not full hyphenated name!!! Make sure name on file is correct- Experian and XXXX company keeps switching my name to parts of name or account compromised- online, tried account exists already-? In one spot full hyphenated name show!!! If this is legitimate site then information is being changed for my social security number Remove XXXX I called- no record of account under social use appeared on report -Provide name sources -Errors in name reporting Some systems dont hyphenate so I ask them to close name so it wont seem like last is middle name! 
-PLEASE hyphenate my name!! 
-Dealing with odd things - in home, car etc..cyber theft stalking hacking forgery and more. While I use computer., phone and work crazy activity just today also ... 

Did remove XX/XX/XXXX I Do not have 2 credit cards Disputed XXXX loan type and amounts and XXXX XXXXXXXX XXXX XXXX inaccurate the loans amounts increased! 
I am finding out my info is getting mixed up ... I believe a lot of places are getting hacked ... too many scams I never lived in Texas, Ohio, or California.. I am a Michigan resident all my life
Consumer complaint received 2021-03-12
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: Experian Information Solutions Inc. (CA)

I wrote to XXXX XXXX XXXX XXXX XXXX XXXX appeal their decision to deny/decline my application for a XXXX XXXX XXXX account. In a letter I recieved from XXXX dated XX/XX/2021, they stated that their decision was based on information found in my Experian credit report. XXXX 's letter stated the following reason XXXX XXXX ) for not approving my application : Delinquency or other derogatory relationship with your bank Insufficient balance in deposit and investment accounts with your bank Too many requests for new credit in the past 2 years One or more accounts are over the credit limit First, my middle XXXX credit score is over XXXX and my gross annual income is over {$270000.00}. XXXX 's own letter stated that my credit score was XXXX. Furthermore, XXXX 's letter states, " scores calculated can range from a low of XXXX to a high of XXXX scores are better. '' I do NOT have any accounts whatsoever in my credit reports, including Experian, that are over the credit limit. In fact, all credit cards under my name are at a XXXX balance with a combined available credit limit exceeding {$89000.00}. Secondly, XXXX 's credit card application does not explicitly state that an applicant must have a balance with XXXX XXXX or that the XXXX XXXX credit card requires a deposit with XXXX XXXX. One entry in my Experian Credit Report listing XXXX XXXX XXXXXXXX was an error reported by Experian XXXX I have never had an auto loan with XXXX XXXX XXXX. Upon receiving XXXX 's letter dated XX/XX/2021, I contacted Experian to dispute this entry, and it has since been removed, see attached. I believe XXXX may be engaging in discriminatory practices in granting or deny credit to certain consumers. I respectfully request that you inquire wit XXXX on my behalf and other applicants with similar profiles. 

Thank you very much for your consideration and attention to this request. 

Sincerely, Consumer
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

Date of the transaction XX/XX/year> Amount paid to XXXX XXXX  was XXXX for cancellation fees in order to receive XXXX ( flights purchased on XX/XX/year> ). Business committed to provide a refund of XXXX after I paid cancellation fees. The refund was never received so I have lost the cost of product XXXX and XXXX for cancellation fees which is a total of XXXX The business seemed to have blocked my calls and ignore my emails. XXXX  number XXXX. I called Discover multiple times to let me them know that I did not receive the refund. I provided bank statements to Discover but they said they would investigate but did nothing on my behalf. Let me know if you need the bank statements to prove that I did not receive the funds. I have been fighting for my refund for almost a year. I filed a XXXX  complaint, and the company did not respond to the fraudulent charges. Discover failed to protect me against this fraudulent charge and I refuse to use their credit card ever again.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX, XXXX, & Equifax are reporting the account listed as XXXX Account # XXXX incorrectly. The account is listed as a charge off/collection with several late payments. This can not be so because it is impossible to verify late payments or account statutes due to not having access to the financial records because it would be a violation of my privacy. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion, XXXX, & XXXX are reporting the account listed as XXXXXXXX XXXX XXXX XXXX incorrectly. The account is listed as a charge off/collection with several late payments. This can not be so because it is impossible to verify late payments or account statutes due to not having access to the financial records because it would be a violation of my privacy. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2021-03-12
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: Finance System of Toledo, Inc. (OH)

I sent a letter to Finance Systems of Toledo requesting VALIDATION of this alleged debt ( FST ID number : XXXX ) and sent it via USPS Certified Mail. Finance Systems of Toledo has received my debt validation letter ( see attachment ). I requested that the account information be omitted from reporting to my consumer reports pending a response that provides sufficient validation of the alleged debt. During the 30 day validation period, they have continued to furnish this inaccurate information to the consumer reporting agencies and have violated my rights as a federally protected consumer. Additionally they are in violation of 15 USC 1692b ( 2 ) for the correspondence they sent me on XX/XX/2020. They have also been notified of this federal violation. I am demanding that this information be removed from consumer reports immediately as this information is neither accurate nor verifiable.
Consumer complaint received 2022-12-28
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. (OH)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-02
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: Experian Information Solutions Inc. (FL)

Beginning XX/XX/2020, I have sent several letters to Experian in regards to erroneous and fraudulent items on my credit report, I also requested and updated report with each letter, every time I waited more than 45 days for a response from them and I never received a response from any of the letters I have sent. I am including a copy of the letters along with the return receipt showing they received each letter. 

I realize they get hundreds of letters and Covid has also impacted everyone, but I had fraud in my personal bank account, my XXXX  account to name a few then, I find out I have all of these fraudulent accounts on my credit report too and when I tried to get it investigated properly and fixed through Experian they totally ignored them. I have continuously tried to get these investigated properly by Experian to no avail.
Consumer complaint received 2020-03-27
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. (CA)

I recently disputed a bankruptcy that I saw on my credit report with your company. I disputed it because it is unverifiable, yet you updated the report with the statement that the account was verified.