davidheineman/consumer-finance-complaints-large huggingface dataset:
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was a tenant of XXXX XXXX ( a community owned by XXXX  XXXX XXXX XXXX XXXX ). I moved out of this unit XXXX of XXXX. Prior to my move out, I completed a walk-through with a staff member of the management office. At the completion of the walk through, the staff member was pleased with the condition of the unit. There was no damage beyond normal wear and tear. 
Fast forward to XXXX, I noticed a collection amount for {$4400.00}. I have contacted XXXX by phone and in person many times and was ultimately told that the XXXX who billed me was no longer with the company and therefore they could not easily access my file with the proof of this allegation. They did not return my calls, nor did they provide any addition help with this matter. I have called the XXXX XXXX  XXXX corporate office and I got no answer or no response. There has been no actions or responses taken by the company. I have reached out many times. 
I do not know what to do at this point. I did not damage the property. It is incredibly unfair to charge someone {$4400.00} for unproven damages in an apartment with such poor quality materials and service. I have had a countless amount of issues during my time living at XXXX XXXX. 
This collection on my credit has completely blocked me from seeking housing for me and my children and no matter how much I pay my bills on time, this continues to be a hindrance. And what is most unfair is that this company did not even care to validate this before placing it onto a persons credit.
Consumer complaint received 2020-04-03
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. (AR)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (IL)

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 2020-03-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CT)

Good morning. My name is XXXX XXXX and my phone # is XXXX. 
I have tried to unsuccessfully to reach my mortgage company since I have been out of work due to my state being shut down. I wanted to discuss options for some kind of temporary relief since I no longer have employment income. The phones are impossible and I was disconnected after holding for 59 minutes. This was my third attempt. I'm not sure if they hung up or my phone dropped the call. Their website has an option to submit a request for relief, but nothing works. There are tabs for forms to be completed but none of them work. They redirect you to the home page. Same result when I click on the tab to upload documents like bank statements. The only function that works is to look up statements and make payments. This company has made it impossible to reach them and to complete the necessary forms for relief. I am convinced that they're purposely avoiding their responsibility to the customers by setting up a system that does not work. My mortgage company is NewRez but seem to have a DBA of Shellpoint Partners. Phone - XXXX. Their address is XXXX XXXX XXXX XXXX Oh XXXX. Thank you in advance for your help. Have a great day and be safe.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid 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 (NY)

I opened a fraud investigation with Discover in XXXX after noticing fraudulent XXXX and XXXX XXXX  charges on my account. I am unable to provide exact dates due to the account being closed, only discover can access that at this point. I am also unable to provide exact amounts because it is multiple charges over a year and a half and I also do not have access to them any longer. Unfortunately I didn't realize them, but despite Discover 's " {$0.00} Fraud Liability Guarantee '' they denied my dispute after their 90 day investigation and charged me interest on the amount that wasn't even on my account during those 90 days. They did this despite insurmountable evidence that these charges were not made by me - most notably that I do not even have an XXXX XXXX  account and the XXXX account I do have I had not even used for three months ( since XX/XX/XXXX XXXX and my payment method is through XXXX and connected to my XXXX  XXXX XXXX debit card. I notified them immediately upon noticing the fraudulent charges but I was told, after them putting the thousands of dollars back on my card in XX/XX/XXXX, that they denied it because they felt that I should have been aware sooner, and that I had seen the XXXX charges ( not making the connection that my XXXX account and XXXX was on my XXXX  debit not my discover credit line ) which allowed for it to go on for another month longer before I made the connection, in which I had paid my discover bill during that time so that makes me guilty?. It is embarrassing enough having not realized I was being taken advantage of and been stolen from for this long but to have my credit card company that has a {$0.00} Fraud Liability Guarantee tell me that I am the one to blame and I have to pay for this thieves rides and dinners is extremely disheartening and the reason me and my entire family will be closing our discover accounts and never using them again. They should not be advertising and gaining business on a {$0.00} Fraud Liability Guarantee if they are going to deny fraud claims that are clearly fraud and high amounts of it.
Consumer complaint received 2023-07-21
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX : {$840.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Upstart Holdings, Inc. (NC)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my authorization and permissible purpose my consumer report was accessed for promotional purposes without my knowledge by UPSTART NETWORK INC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have sent a communication to the responsible party which I will be attaching to this complaint.
Consumer complaint received 2020-03-25
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. (CA)

TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

As of today, XX/XX/XXXX, I have called JCP Credit customer service to find out why I have not received a XX/XX/XXXX statement. I was told a statement was mailed to me. I receive paperless statements, XXXX and XX/XX/XXXX included. I advised I do not understand how nothing was sent for XXXX. I requested a supervisor and she stated that because XXXX and XXXX payments were not paid on time, they decreased my credit limit without notifying me for the exact amount of the {$300.00} payment I made on XX/XX/XXXX. My original credit limit was XXXX. I discovered after reviewing my account that it was decreased to XXXX. The difference is {$300.00}, the same amount I paid to make the account current on XX/XX/XXXX. I also made an additional {$50.00} on XX/XX/XXXX. I do not understand why I was not notified of the credit limit decrease. I was told by the rep it was because I missed 2 payments. Does not make sense to me. Prior to, my payment history was perfect. I requested to have my account set back to the original XXXX credit limit and I was told I need to apply for the credit limit. I stated that is unacceptable. How were they able to decrease my credit limit by the exact amount I chose to pay.
Consumer complaint received 2020-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XXXX, I applied for a loan at my bank and was denied to do items appearing on my credit that I had no knowledge of. The has been a headache as I have reached out to credit bureaus and i'm not getting anywhere with them, so I choose to reach out to this company. These items appearing on the letters I sent to credit bureau are stopping me from moving forward with my life.
Consumer complaint received 2020-04-03
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

A payment to USAA Credit Card was due on XX/XX/XXXX. The grace period to avoid a late fee of {$35.00} was XX/XX/XXXX. We were not able to make the payment until XX/XX/XXXX and by then we would avoid a 30 day late reported to our credit bureau. The attached USAA statement clearly states pay by XX/XX/XXXX. We paid on XX/XX/XXXX as documented and they are saying because it took 2 days to post between XXXX and USAA that it was now 30 days late. USAA suggested we should open an account there and then creditting internally would be on the same day as the payment day. Our bank, XXXX said even though it pended on the XXXX, USAA had their money on the XXXX of XXXX. My purpose of this complaint is that USAA placed a 30 date late on my credit bureau unjustifiably. I am enclosing a copy of the USAA XXXX statement that shows when the payments are due. Note that XXXX 's statement shows a credit for a disputed late fee of {$35.00}, also this statement which followed in XXXX clearly shows that USAA received the payment on the XXXX XXXX, just as required. My bank posted it on our bank statement from pending to posting date XX/XX/XXXX. That's an internal banking thing that has nothing to do with me.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (TX)

My debit card was denied at a local store onXX/XX/XXXX. Upon calling the Bluebird customer service number ( XXXX ) and entering in my account # the system hung up with the message my account was permanently suspended. I then received an email from Bluebird telling me my account was permanently suspended and to write : Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX I have written them and not received any response. 

I have {$400.00} in this account and really need access to it. I also have payroll direct deposit to this account. 

I have not been able to talk to anyone in Customer Service to explain to me why this action was taken.
Consumer complaint received 2020-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On approximately XX/XX/XXXX I received an alert from a credit monitoring app that informed me that a collection from XXXX XXXX XXXX on behalf of XXXX XXXX, in the amount of {$500.00}, was added to my Transunion credit report. I immediately submitted a dispute regarding that collection that had been added to Transunion credit report. My dispute to Transunion was based on the fact that I had filed bankruptcy chapter XXXX and was discharged on XX/XX/XXXX. In that bankruptcy, XXXX XXXX was included and I legally do not owe them any money or have any debts with them. Today, XX/XX/XXXX, I contacted Transunion by phone to get the status of that dispute, as 30 days had already passed. I spoke with " XXXX '', a supervisor in the specialized fraud department regarding the status of this dispute, who informed me initially, that the company still had until XX/XX/XXXX to complete their investigation and that 30 days had not passed. I immediately corrected him and informed him that 30 days had already passed and that he was mistaken. He then looked into a " different file '' and found the dispute that I was referring to and proceeded to tell me that the company, XXXX XXXX XXXX, had verified the information as accurate. I responded that how could Transunion have verified that information because if they had, they would know without a doubt, that the initial debt to XXXX XXXX was included and discharged within my chapter XXXX bankruptcy last year. XXXX responds that Transunion did not do the investigation themselves, that they sent information to XXXX XXXX XXXX who investigated it and came back that the information was verified. I then immediately questioned how could they allow a company that I have a dispute with, to investigate themselves? XXXX responded that " that's how the process works ''. He then asks if I had contacted XXXX XXXX XXXX myself and I responded that I had. He then he goes on to say, " well, maybe you should contact them again because we are just a credit reporting agency ''. I then respond that they are a credit bureau who are allowing a collection agency to put fradulent, inaccurate information on my credit report in violation of my rights, particularly under federal bankruptcy laws. I also said that it makes no sense that Transunion would allow a company that I have a dispute with, to investigate and verify incorrect information about themselves. I said that on Transunion 's website, it clearly states 'Transunion XXXX would conduct an investigation into inaccurate / fraudulent information, not that they would send the concerns to the collection agency in question and allow them to investigate themselves. I told him that I would be making a complaint to Consumer Finance Agency, he replied, " okay '' and we ended the call.
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a fake job offer and the employer was not real. They sent me checks in order for me to purchase their required equipment. So I received XXXX checks of {$4800.00} and those went through. They then told me to wire transfer these funds to people claimed to be vendors to purchase the equipment. No equipment was purchased. I sent them the XXXX wire transfers of {$3500.00} required by the fake employer. Another XXXX {$1000.00} through XXXX to people they said worked for their company as well. Lastly the transfers all went through and now all the checks came back as invalid and chargebacks. I am now negative in my account because of this scam and I have never been scammed before. This money is large too over XXXX and I am just very disappointed and concerned for my situation.They also told me to purchase an XXXX and XXXX post paid plan with my own money first and they would reimburse me. Also I did buy those XXXX items and once I did they asked me to send it to their technicians in Texas to add a work tracking device to keep track of my working hours. So I sent both devices in hopes they would reimburse me and send the products back. They never responded to me again. Please help regarding these issues with the devices. I dont know what to do, I just feel so scammed. I dont want to pay monthly installment plans for them when I was taken advantage of. All of these transfers and fake checks happened beginning XX/XX/22 and the last transfer was sent XX/XX/22.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (IL)

Sure stay by XXXX XXXX was to be taking out XX/XX/2022 for two transactions total XXXX but XXXX $ to be released on XX/XX/2022 at check out. XXXX XXXX was booked XX/XX/2022 at XXXX XXXX but not showing on my account and they charged my girlfriend XXXX XXXX Chime. XX/XX/2022 I look my Chime account is over {$200.00} negative but my XXXX  is XXXX XXXX Then Chime removed some transactions from my account that I can prove was paid on a day thats not showing and money was not sent in the day Chime has listed on my account.
Consumer complaint received 2020-04-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (CA)

I have been in communication with Gateway One Lending regarding this account nothing was ever done payments were recieved. They stopped all communications with me and sold the loan to Santander consumer who have now just listed this account closed however I have over 3 years of lates listed on my credit report from the previous lender when in fact the car was wrongfully repossesed I was never even given the oppurtunity to pay on it