davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-01
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. (TN)

In XX/XX/XXXX I was made aware of an incorrectly reported medical charge-off. The error was with the medical center accounting as the funds were paid through insurance. Additionally, we were never notified of the issue nor that the issue was being turned over to an outside collection agency nor that the information was going to be reported negative on my credit reports. I only found out about because I pulled an annual report. This finding was disputed in XX/XX/XXXX with the three reporting agencies and the information was removed. I am only able to locate one of the dispute confirmation numbers ( XXXX ) and only one " deleted '' screen shot from XXXX. End result is this debt is now once again showing up on my bureaus. XXXX and XXXX and XXXX XXXX XXXX are the same debt and neither should be showing on any of my bureaus. It should NOT be showing as a debt, a past due debt, a paid debt, a collection account, an account paid in full was a collection account, a charge-off, or as a paid charge-off. This amount was cleared up with the emergency services accounting and billing department and was never a credit bureau listed debt, also proper notice was never given to me that this was going to be placed on my credit report, nor as a negative entry. The incorrect reporting on my bureaus was cleared up and deleted in XX/XX/XXXX and now the same information is back on my reports in XX/XX/XXXX! This cost me MONEY in increased interest rate as it affected my FICO score! This should be illegal for them to do, it needs to be once again removed ASAP!
Consumer complaint received 2020-01-17
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. (NJ)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got notifications from XXXX XXXXXXXX that a credit card was opened in my name and I reported this at the police station. I also notified the credit card company that this is fraudulent as I do not request this card. They also informed me that the card was now closed. 1 month later my credit score dropped with over XXXX. This is heartbreaking. Please assist The last time that I own a credit card from this particular credit card company was over 3 years ago. I informed them that I do not want to do business with them anymore and to cancel all card.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

We were sent XXXX XXXX percent XXXX promotional check from XXXX Chase in XXXX 2022.The XXXX was good on the balance for entire year - XX/XX/XXXX. I called to verify the use of the checks and information. 
We used the checks to the amount of {$15000.00}. 
During the next XXXX months our credit card payments were made to cover only the purchases over {$15000.00} since we had XXXX percent interest on that amount for a year. 

However, XXXX Chase credited our payments towards the {$15000.00} and not toward our other monthly purchases- News I received on a phone call with a representative. 

I would like the monthly interest fees from XXXX of XXXX {$80.00} and XXXX of XXXX {$240.00} credited back to us. 

I called and and emailed the XXXX Chase XXXX on XX/XX/XXXX, and they refused to refund and said the payment amount would always go toward the lowest interest rate balance on the card. This was not disclosed on the phone or written on the paperwork of the checks when they were mailed to us in XXXX of XXXX.
Consumer complaint received 2022-09-30
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)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.
Consumer complaint received 2023-05-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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 Fair Credit Reporting Act consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions. 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I was given a check from my father ( who has the same last name as me and has deposited money into my account on multiple occasions, usually at amounts between $ XXXX {$2000.00} ). The check amount was for {$12000.00}. It was printed and issued by his bank. I deposited the check on XX/XX/XXXX ( Saturday ). At the time of the deposit, I was given a receipt stating that the funds would not be available until XX/XX/XXXX. I deposited the check in person at a branch. On Monday, XX/XX/XXXX, I received word from my father that the check had cleared from his account and I should have the funds soon. The funds were needed to make a down payment on Saturday, XX/XX/XXXX. On Wednesday, XX/XX/XXXX I called Chase bank to ask about the funds. I confirmed that I knew the writer of the check and had a personal relationship with him. I also informed the agent I spoke with that my father had confirmed the check had cleared his account in the beginning of the week. The agent proceeded to tell me that even though I have a consistent pattern of receiving large deposits from my father, they could not clear the check because they could not confirm that he had the money. He said they had called my fathers bank but could not get confirmation from them. He asked me to give him the direct contact information for the teller my father works with, which I did not know. I had the number for the branch he frequents but he wouldnt take that. He then told me there was nothing I could do, I would just have to wait the 7 business days ( which is somehow 13 total days from the initial deposit ). I even explained that the funds were needed for something and that I had just deposited a check a week prior that was from my father and in the same format and it had cleared right away.
Consumer complaint received 2019-11-26
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. (GA)

On XX/XX/XXXX, XXXX XXXX XXXX agreed to delete the tradeline with the credit bureau. As of XX/XX/XXXX, this has not been removed from my XXXX and Experian credit reports. I have attached the response received from XXXX when I filed a compliant in XXXX. Please complete the request of removing this from my credit report.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CO)

On XX/XX/XXXX, A fraudulent check was written to XXXX & XXXX XXXX Trucking in the amount of $ XXXX bank debited my account for this amount. I logged into my account on XX/XX/XXXX and saw the funds were gone. I immediately contacted my bank and reported the problem. A fraud case was opened. US bank case # XXXX. The fraud department informed me the investigation could take up to two months and there was no guarantee the funds would be restored. I contacted the XXXX 's XXXX and files a complaint. XXXX XXXX was assigned to the case and he informed me most of these cases are not solved. I am reaching out to the CFPB for help. This was almost all of my savings and have had to get a loan to pay my bills.
Consumer complaint received 2023-01-17
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 (DC)

I have been with Capital One before they took over XXXX XXXX XXXX. I have had my Capital One credit card since the XXXX when I came out of college. I have had my financial ups and downs with the credit card. Past practice, XXXX XXXX has always notified me by way of telephone or email of any delinquencies. For some reason since XXXX, they ceased to communicate with me about my account. Due to XXXX, and other medical issues, I could not make payment. I attempted to bring my account current this month to be told, It is past the 21 day period. I do not know what that is. I have not received any communication from Capital One to state any problems with the account. My account was placed i a restricted status and made unavailable for use without notification.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

In Accordance with the Fair Credit Reporting and XXXXXXXX XXXX XXXXt account number # XXXX, and XXXX XXXX XXXX XXXX XXXX  account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furish a account without my written instructions
Consumer complaint received 2020-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

XX/XX/XXXX, my direct loans were transferred to Fed loan servicing after I applied for public service loan forgiveness. I have to make 120 qualifying payments and the rest will be forgiven. So far I have made 6 qualifying payments prior to the pandemic and when the pandemic started I was to have 26 additional qualifying payments added to my account towards loan forgiveness. I received an email that I needed to submit anther PSLF application from my employer to verify that I still qualified. When I log into my account to see what I needed to do, I saw a notification that I needed to consolidate my loans and then submit the new PSLF application from my employer. I was confused so I contacted Fed Loan servicing for assistance. The gentleman the took the call told me that I needed to complete those two things so that the payments could be applied due the COVID 19 pandemic. He also stated the changes will not cause me to start over. Fast forward to XX/XX/XXXX, I see an email that I have new correspondence. When I logged into my account, I saw that all of my qualifying payments disappeared and I was to start over from the beginning for making 120 payments when I was under the impression my 32 should still be there. I immediately called back to customer service to find out why this happened and the rep told that when the consolidation occurred, it wiped out all of my existing payments that were to be applied and it started over as a new loan. She asked me to give her a few moments to check some things only to tell me that there was nothing she could do to change it so I am filling a complaint to get this matter resolved. I feel that this is not fair to me that I am having to start over after being given inaccurate information. I would have never opted to consolidate my loans had I know it would wipe out my 32 qualifying payments towards the 120 needed. I am asking that you please help me get the payments back.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I recieve a alert from my credite product that i pay for ever month that a new account was reporting on my credite report. I look into it and this account showed up XXXX XXXX XXXX XXXX Account # XXXX and stated open XXXX XX/XX/XXXX for a amount of XXXX. I called in to Experian and open a dispute on XX/XX/XXXX and came back verified on the XX/XX/XXXX so from what I see they didnt do anything to investergate now i want this account deleted from my account as soon as possible. I also have a problem with another account reporting wrong that account is XXXX XXXX XXXX account # XXXX this accont was not mines and reporting as charge off and XXXX payment late and this is incorrect please have them to delete, XXXX is reporting Inquirier that are do to Fraud and they are XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, And XX/XX/XXXX XXXX XXXX
Consumer complaint received 2020-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (AZ)

I have been trying to get this corrected since XX/XX/XXXX. I initially called to inform that I was moving insurance companies and to request the check not to be sent to the current company- that was confirmed. I called again on XX/XX/XXXX to inform of my new home insurance company ; the MSR advised there was no insurance binder she called and was provided and email address. She said she would get information and also update the binder on my QL, which I did. She then told me the other check had not been cancelled and would submit a request and it would take 2-3 business days for me to see the new insurance information. I called on XX/XX/XXXX and spoke with a MSR who advised the information was not updated and that nothing was received. When I advised I had uploaded the documentation she advised I was told incorrect information and it would be a different site ; while the girl was pretty annoyed with me she was able to update the policy and then told me I would need to wait for a escrow analysis and to callback ; I asked for a manager at that time as I had been told previously I would be able to ask the same day and it would take 1-2 business days for analysis. I spoke with the manager on XX/XX/XXXX who requested the analysis and then he advised it would be 3-5 business days and it could not be applied to my mortgage payment. After not seeing anything update I called on XX/XX/XXXX for a MSR to tell me it takes two weeks for the analysis. She transferred me to XXXX XXXX who then told me the analysis was done ; I asked again to have the payment applied he said this could be done and would not contact me unless something happened. I logged onto my Quicken today and they cancelled my homeowners check in error and now I could be at risk for a lapse in insurance thus causing future financial burdens due to a lapse in coverage. I have given more than sufficient time to fix the initial problem and it only seems to be getting worse. I called today to inform, I left XXXX a voicemail and waited til the afternoon with no call. I called and first customer service disconnected, second put me on a silent hold for extended period and third took forever to transfer me to XXXX.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In Accordance with the Fair Credit Reporting and XXXX XXXX XXXX account number # XXXX, and XXXX XXXX XXXX XXXX XXXX  account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furish a account without my written instructions
Consumer complaint received 2023-01-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (MA)

Ive been using an app called Remitly. Remitly suspended my account and refused to give me any explanation. There only response was that they determine there was suspicious activity. Remitly has blocked me from seeing any of my transactions and will not identify why they suspended my account.
Consumer complaint received 2019-04-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I went into the Wells Fargo branch inside the XXXX Market on XXXX XXXX in XXXX XXXX XXXX, CA today to make a {$200.00} deposit the XXXX manager refused to accept the deposits saying it could be " XXXX or XXXX '' laundering monies? As i laughed that i would put a {$200.00} dollars in an account i opened 7 years ago where i have made deposits in excess of hundreds of thousands of dollars would suddenly deposit {$200.00} bucks as XXXX  or XXXX  money. 

This sort of discrimination and violating my rights is outrageous
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I got notifications from capital one that a credit card was opened in my name and I reported this at the police station. I also notified the credit card company that this is fraudulent as I do not request this card. They also informed me that the card was now closed. 1 month later my credit score dropped with over XXXX. This is heartbreaking. Please assist The last time that I own a credit card from this particular credit card company was over 3 years ago. I informed them that I do not want to do business with them anymore and to cancel all card.
Consumer complaint received 2022-09-30
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)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-01-17
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or misleading advertising or marketing — 
Company: Jon Barry and Associates, Inc. (NC)

This is happening constantly over and over, Identity Theft, PARAGON REVENUE GROUP are using name, address and Social Security number is being used fraudulently and has taken the signature and the instrument like it belongs to them and collecting from the state filing number. They are stealing. I do not know who this company is and have not authorized any use of this information and they are causing defamation of character and threatening the credit report.
Consumer complaint received 2022-10-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (GA)

I was in forbearance last year, XX/XX/2022, Georgia mortgage assistance fund paid my mortgage, taxes, escrow, principal, and interest. Also 3 additional months where covered. So my {$1700.00}, mortgage statement says NOW my mortgage is {$2700.00}, which is {$1000.00} more per month! BSI financial services also said I now owe {$9000.00}, back escrow, when a government program caught me up and my balance is {$0.00}, also just found out that BSI, didn't pay for my house insurance and I now don't have insurance on my home. They told XXXX insurance that they were sending payment, which never happened. I think they are trying to steal my house from me. Please help.