davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi, I am authoring this complaint on my behalf. I can't believe these guys are taking advantage of me. I am very upset with TransUnion. They have not responded back to me about my investigation. I sent a letter and it's been more than 60 days. I need these accounts deleted or updated. These are the items I need to be deleted. 


1 ) Please investigate that this account is reporting XXXX percent accurate. I see so many errors which is a FCRA violation JPMCB Card Please to remove this account from my credit profile 2 ). Misleading false information This FDCPA section XXXX Violation misleading false reporting on my credit report CBNA Account Please remove from credit profile The Fair Credit Reporting Act 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
Please remove from my credit report
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My name XXXX XXXX ... ..I have been a victim of IDENTITY THEFT ... ..I have previously submitted documentation including a IDENTITY THEFT AFFIDAVIT supporting my claims and the account was removed prior but has now made its way back onto my report with a different name and account number ... .it was previously listed as the XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX and the amount owed was {$1700.00}, it was also listed as XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX XXXX XXXX same acct XXXX XXXX amount owed XXXX ... .this by itself should raise a red flag ... .all these different names!! Now it's being listed as XXXX , XXXX acct # XXXX amount owed XXXX ... .I have never rented any apartment in XXXX , Georgia . I have never lived there ... .this is a fraudulent account and I want it to be removed immediately! it dropped my credit score almost 100 pnts and the CREDIT bureaus are negligent they just list items without any proper validation of debt, and these types of errors ruing peoples financial lives!!
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NH)

I check my credit reports several times a month and this collection for {$890.00} from XXXX XXXX just showed up on my XXXX  and XXXX  credit reports. I tried disputing them on agencies websites since XXXX. Date opened was XX/XX/2019 according to XXXX  website. My data was breached when XXXX  lost all that data. Why didn't this account show up on my credit reports until XXXX XXXX got it?? All of my actual accounts are in good standing and always have been. 

Thanks
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I HAVE BEEN FILING DISPUTES WITH EXPERIAN REFERENCE TO XXXX XXXX  AND XXXX XXXX XXXX XXXX. I HAVE INFORMED THEM THAT THESE ACCOUNT ARE NOT VALID. IN ADDITION TO THAT THE COMPANIES AND/OR EXPERIAN ARE REPORTING INACCURATE INFORMATION TO MY CREDIT REPORT.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received a copy of my most recent credit report and there are inquiry from XXXX XXXX XXXX XXXX which I did not initiate, request and/or conduct any business with this company. XXXX XXXX XXXX XXXX dated XX/XX/2023
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Since XX/XX/XXXX, I have been making Principal Only payments in addition to the regular monthly payments on my mortgage loan. On several occasions, I've contacted Shellpoint to apply the Principal Only payments as I have requested. However, ever monthly, they continuously take part of my Principal Only payment, apply it the regular monthly payment, use a portion of that money as interest. Then a few weeks when I make the regular payment when it due, they correct the applied payment to the Principal Only Payment. This practice has been ongoing and frustrating considering I've made several calls asking Shellpoint to stop this practice. Please see the attached payment history from XX/XX/XXXX through XX/XX/XXXX. My payments are due on the first of the month. I have my bank account set on autopay to have the regular payments generated a few days prior to the payment being owed. I also have an autopay for the Principal Only payments that is generated a fews day apart from the regular payment. On XX/XX/XXXX, I contacted Shellpoint customer service about the most recent Principal Only payment that again was applied incorrectly as requested. I was told that the correction would be made and the system would be updated within a few days.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX, my father passed away. After going through his belongings, I found a credit card with my name on it. After calling the bank ( BARCLAYS BANK DELAWARE ) on XX/XX/XXXX to tell them I never opened this account and had no knowledge of it, they told me an investigation will be done, with affidavits sent to my house. After no affidavit arrived, I received a letter stating the account is valid. On XX/XX/XXXX, I sent BARCLAYS BANK DELAWARE payment records from my fathers bank account matching the payments received on the fraudulent account. Manager XXXX XXXX also told me the statements were being sent to my fathers email address and the phone number associated with the account was my fathers phone number. I also sent an FTC report making note of this. With this new information. I was told they would reinvestigate the claim. The following week I received the same letter stating the account is valid. I currently submitted all my supporting documents to the credit bureaus but was told they just report what the creditor tells them. As a young man just starting life, losing his father and finding out he was the victim of identity theft by someone he thought he could trust, life is hard enough without there credit being ruined by a credit card account I never opened. Please investigate this and/or have BARCLAYS do a proper investigation with all the supporting documents I sent to them multiple times. 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

Payments duplicated for XXXX and auto-retry withdrawn from my checking account and funds never applied to the balance on the credit card. as well one payment of XXXX and XXXX auto retried and never show a positive balance on the credit card account but withdrawn from my bank,
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 — Information belongs to someone else
Company: CURO Intermediate Holdings (OH)

There is a acct with speed cash on my credit that show up I never opened a acct with them I have tried to dispute it thru XXXX XXXX but nothing happens I talked to a agent there and they have me info speedy cash acct # XXXX the acct was opened XXXX XXXX the amt on the acct is XXXX
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 — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Disputed this account several times. The most recent times were XXXX XX/XX/XXXX XX/XX/XXXX. All 3 bureaus sent verified letters back, stating this account is reporting based on FCRA guidelines it is not reporting accurately. The FCRA gives company 30days I still have not received documents showing how this account was verified.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Disputed this account several times. The most recent times were XXXX XX/XX/XXXX XX/XX/XXXX. All 3 bureaus sent verified letters back, stating this account is reporting based on FCRA guidelines it is not reporting accurately. The FCRA gives company 30days I still have not received documents showing how this account was verified.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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 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
Consumer complaint received 2024-04-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Today XX/XX/24 I bought an AMEX gift card. No online retailers will accept it. I have tried XXXX and other retailers. I have tried everything to get it to work on websites, but it is unspendable and was a big waste of money.
Consumer complaint received 2021-03-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

This is for a boat loan. 

On XX/XX/XXXX, at or around XXXX hours, USAA denial a boat loan without checking my credit report. 

XXXX called back as and stated that a manager will review the call.
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: EQUIFAX, INC. (FL)

I provided everything that the credit company required me to give to them. They said I needed to give them my proof of address, my ID, my social and my police report. I provided all of this to them and they said it would take 48-72 hours for me to see the items removed and they have everything that they asked for.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

Original disputes in XXXX took place and XXXX financial services refused to speak to me. I file many disputes, to no avail. I show a recent missed payment from XX/XX/22 that I never initiated, agreed to or even knew about. My score is dropping daily. Verify the payment history and you will see it. Please remove this from my credit report so I can obtain a mortgage.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

Original disputes in XXXX took place and XXXXXXXX XXXX XXXX refused to speak to me. I file many disputes, to no avail. I show a recent missed payment from XX/XX/22 that I never initiated, agreed to or even knew about. My score is dropping daily. Verify the payment history and you will see it. Please remove this from my credit report so I can obtain a mortgage.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I was contacted by the State of California indicating an account I had with Bank of America was not being used, and by law, Bank of America would need to return the money to the State for me to claim if I did not contact Bank of America. On XX/XX/XXXX, I contacted Bank of America and requested they send a check out for the account and close it. 

Bank of America agreed to send out a check for XXXX, the account balance. The check was not received. I followed up in XX/XX/XXXX and Bank of America said they would investigate and it would take 15 business days. 

I have not heard from Bank of America since that time. 

I am requesting a check for {$1300.00} from Bank of America.
Consumer complaint received 2024-10-12
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NRA Group, LLC (SC)

National Recovery for {$630.00}. The agency is not authorized to have a debt from me. or report it on any credit agency. This is illegal under the Federal Credit Act. This is also a violation of my HIPPA rights. I also asked for the original assignment contracts and were not provided to me. Please remove from all credit bureaus.

Thank you,
Consumer complaint received 2024-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

Hi I applied to a burrowers defense around several years ago. This year my federal loans were discharged due to a XXXX XXXX XXXX XXXX. I paid off my private student loans in 2018. Navient recently added a XXXX XXXX XXXX form to their website with respect to Private loans and burrowers defense cases. However potential discharges only apply to active private loans. I am not seeking discharge as I already closed out my loans. I am trying to see if there is a way of obtaining a refund for the private loans I paid out for the first institution I attended. That first institution to the best of my knowledge was included in the XXXXXXXX XXXX
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 — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

The three major credit bureaus are reporting an erroneous debt on my credit file. I have previously submitted disputes to you stating that this account should not be reporting on my credit file. This debt was dissolved when I got a divorce and have proof that all collection activity ceased on this account. However, the bureaus continue to report inaccurate information and are keeping me from being able to move forward in the home buying process. I have once again attached the letters as proof that this should not be reporting and it must be removed immediately.
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I deposited a check into my checking account from my XXXX plan which I have done on a few other occasions. It was advised I could pay a {$45.00} fee to deposit it same day, otherwise it would be available the next day for free. I selected the free option so that my funds would be available on the next morning. When the next morning arrived, my account was overdrawn in the amount of {$290.00} roughly and my funds were not available. I called the bank and they told me my check was placed on a 10 day hold and my funds would not be available until XX/XX/XXXX. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe relied on those funds to pay for expenses. The rep and XXXX told me there was nothing they could do but if any of my charges left me overdrawn any further they would not charge me a fee. I asked for my check back to deposit into another bank they said it was not possible and they could not make any funds available to me until XX/XX/XXXX. I asked what my over draft limit was because if I remove funds from my other accounts for my bills I would be in even more trouble in which the XXXX told me she did not know what limits I could Overdraft to. I tried to use my card for gas and food which my card was declined, they also declined a bill payment. I do have not had overdraft charges to my account and my funds are being held and I can not pay my bills. This trip was XXXX XXXX  because of this bank and now I still have no funds to pay my bills that are due this week. I will be changing my direct deposit over as soon as this is done and will be terminating my relationship with this bank. I was forced to borrow money to get my account out of a negative balance and now I am still unable to get my check or my funds from this bank.
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

Synopsis : Sent date : XX/XX/XXXX and XXXX CST Amount sent from XXXX XXXX XXXX : Face value {$1000.00} USD and service fee {$5.00} Status : Has not received as of XXXX XX/XX/XXXX Receiver bank, XXXX , XXXX, XXXX : XXXX XX/XX/XXXX, XXXX has never received the amount of {$1000.00} for the receiver account Method of payment : XXXX account deposit I used XXXX account deposit service ( via MoneyGram.com ) to provide a direct deposit of {$1000.00} USD from the United States to XXXX to my beneficiary, receiver, on XX/XX/XXXX at XXXX CST -- via beneficiarys account and swift code number. As of today, my beneficiary still has not received a direct deposit of {$1000.00} USD. Weeks and months went by my beneficiary still has not received the funds. I called XXXX and they open a new case, XXXX. It took XXXX almost 90 days, to respond back on XX/XX/XXXX. XXXX stated the agent confirmed the money was paid, and they closed the case. XXXX respond was so vague, that they did not provide who, what, when, why, where, and how. My beneficiary was not able trace which bank in her city she should go to in order to claim {$1000.00} USD associates with the reference no XXXX. 

Ref : CFBP : XXXX XXXX case : XXXX Regarding to your statement : " Our records show that the transaction was deposited on XX/XX/XXXX, therefore we are unable to issue a refund. '' Your record is having a computer glitch or coding error, but my beneficiary and her banker 's record indicates {$1000.00} has never deposit to the receiver account ( see the attached supported documentations for details ). 

XXXX, could you please stop being vague? Could you please provide a supported evidence to support your facts? You stated that it was successfully deposit {$1000.00}, my receiver and her banker 's statement show no record of it. Why are you deceiving to the innocent people? Please see my receivers record, the attached supported documentations, for details. 

Please stop XXXX my hard earn money. Please give me back the money if you can't provide a point of contact of the bank that received the money. Right now, my beneficiary said her bank has never receive the money. 


Theory : XXXXXXXX should look into the medium, or a bank that routes money between XXXX and XXXX, and figure out which bank received the money that has not forward to XXXX. 

XXXX CEO : Please take a look into this case and take it seriously and resolve this matter ASAP. Thank you. 

PSA : XXXX is conducting an unfair practice and gross negligence. XXXX took the innocent consumer money and provided a fault record that a transaction was successfully on their end. But our end records do not show that {$1000.00} ( see the attached supported documentation ). How do you explain that? You have caused us so many down times during this COVID19. Why are you doing this? Why are you so greedy? Stop XXXX my money please -- I'm begging you to return this hard money back to my original debit card payment.