davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MI)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX 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, TX XXXX XXXX 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 XXXX 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 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (MA)

After a little more than a year enrolled in the Freedom Debt Relief program, my frustration level with trying to communicate with them reached a point of no return for me. I requested to modify the terms of my program after several attempts to resolve ongoing issues. FDR terminated me completely from the program. I was never informed that could happen when I was asking for a modification to complete the program. In short, I wanted to remove my 4 debt accounts that had not been processed by them and continue in the program with the ones that were in process.

FDR had been taking their fees in advance from my dedicated account and as of terminating me, they collected 83.8 % in fees on the debt resolution payments they made from my account. They paid {$3800.00} towards my debt from the total {$7400.00} in deposits I made. They paid themselves {$3200.00} for settlement fees. The other funds paid out, {$370.00}, were also fees, not paid to FDR. The contract stated their fees were 21 %. I can provide any supporting documentation that would be needed to verify what I am saying. Please let me know specifically what is needed. My last correspondence with them is attached
Consumer complaint received 2020-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MA)

I had a contract with XXXX XXXX space that was supposed to end on XX/XX/19/. I have an email confirming that the contract ends at XX/XX/19, however, XXXX XXXX refuses to end the billing cycle and billed me into XXXX. I did miss two payments for XXXX and XXXX, however, I should not be responsible for further payments. They refuse to correct the bill.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This account and many others are not mine that are reporting I have made many attempts with different disputes. All were over looked now I had to go all the way to the extent to file a police report which is provided below to have these things removed to prove they are not mine. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer XXXXam demanding the deletion of the accounts listed Immediately.
Consumer complaint received 2021-01-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

In XX/XX/2020, I was greatly impacted by Covid-19 and was in a financial hardship. It shows a 30 day late payment for this account and I thought it was on auto pay. I have been very responsible to make my payments and understand the value of having good credit. This is impacting my ability to get a mortgage. The company will not help me with this unfair issue.
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

Cash Call contacted us to see if we wanted to refinance the mortgage loans we have with them for a noticeably lower rate. They said that it would be very simple and not difficult since they could use the prior applications they have on file to approve us. We went through this and throughout the process it was not as simple as they initially stated. They then drew up the loan documents and had us signed them stating that the loan was approved and therefore with the signing of the loan documents it would close within 72 hours. We signed the documents. A few days later we get a call stating that there were several other pieces of information that they needed with additional information being on items not relating to the property being refinanced. Totally unrelated documents were being asked for such as rental agreements on other properties and documents of other properties. They never closed the deal. As signing the loan documents there was a clear agreement and commitment on their part. Cash call always has documents signed and then comes back for more documents/information as they know people will more than likely submit more information versus saying no after they say no further documentation is needed.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Privacy and confidentiality under 15 U.S.C. 1681 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  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 furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : 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 conviction of crimes which ante date the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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. (GA)

Privacy and confidentiality under 15 U.S.C. 1681 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 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 furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : 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 conviction of crimes which ante date the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I started a XXXX XXXX account in early to late XX/XX/XXXX and I had no credit score when I first created the account. In early or late XX/XX/XXXX, I noticed that I suddenly had a credit score and a credit card had been open under a fake name and what I assume a fake address. I tried contacting Capital One that night, but was not successful at getting ahold of a representative, because I did not have the account number or credit card number associated with the fraudulent account. I also noticed that an XXXX XXXX XXXX bill had appeared on my XXXX XXXX account along with XXXX. I have never been with either company. I have reason to believe that, the person may have gotten ahold of my social security number somehow. I'm in the process of contacting Capital One by mail and hoping to get this resolved.
Consumer complaint received 2020-04-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Credit Acceptance claims I owe them over {$4000.00}. Ive repeatedly tried to contact the finance manager, who will not respond to my calls or mail. I talked to XXXX once on the phone, then he was supposed to call me back and never did. I left several voicemails for him to call me back. I continue to get wrongful late charges on my credit report.
Consumer complaint received 2020-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CO)

This is regarding the Public Service Loan Forgiveness Program. The lender keeps mistaking paperwork and not applying properly to the account, which should be a simple administrative task. I've had to call again and again to try to solve and rectify the issue, and resubmit every single time, averaging more than five different occasions. Each customer service representative tells a different story, only for me to have to repeat submitting paperwork again because someone could not do their job and the paperwork submtited each time by me ( borrower ), goes to waste or expires. During this COVID-19, the entire phone lines and email system is down so I can not contact them to try to figure out my account and make sure we are on same page, including a refund of my posted payment.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi! 
I have been attempting to reach a supervisor to cancel my trip, that I booked through Capital One Travel, since XX/XX/XXXX. I understand these are extraordinary times, and have tried to give the benefit to the company. 
I called on XX/XX/XXXX and waited on hold for 64 minutes prior to reaching a representative that informed me I would need to contact the hotel itself to get permission for a full refund and would then need to call back. I called the hotel on XX/XX/XXXX and received permission for a full refund. They made a note on my reservation. I then called back to Capital One and waited on hold for 2 hours and 20 minutes, during which a representative got on the phone and told me I needed to call back 3 days prior to my trip. I explained that I was a XXXX  on a XXXX  designated unit and have been working extra during the pandemic and would not be able to call during this time, as I work 12 hours. He stated that was what I needed to do. He transferred me to the supervisor, whom he said would tell me the same thing, and the line disconnected as I waited. I called on XX/XX/XXXX and waited 6 hours and 32 minutes before having to disconnect, so I could work in the morning. I called on XX/XX/XXXX from work and had coworkers help listen for an answer as we worked. I was transferred to a supervisor, my total wait time was 8 hours and 43 minutes before the line disconnected with no word ( I assume because the office closed ). XX/XX/XXXX I called Capital One as soon as they opened per their hours stated, waited on hold 2.5 hours and the call disconnected. XX/XX/XXXX I called the hotel to verify the full refund would be granted and again they stated my refund would be issued once Capital One cancelled the reservation. XX/XX/XXXX Since I was not getting anywhere from the multiple calls I made, I decided to mail a letter to the address on my confirmation for the trip to Capital One. I mailed a letter through XXXX  XXXX to Capital One Travel on XX/XX/XXXX cost was {$11.00}. I received a call on XX/XX/XXXX from XXXX  XXXX stating they would not be able to deliver the letter because there was no such address or building. I verified the address from the Capital One Travel confirmation and she stated that is the address they had on the envelope, but it didn't exist. I have attempted to cancel online and my " cancel reservation '' is disabled and the site provides the number that I have been calling repeatedly. XX/XX/XXXX I attempted again today to call and after 1 hour and 5 minutes, the call disconnected stating " system failure ''. I am at a loss for how to contact this company for my refund. I am asking for my refund. Every other company provides a form to fill out or answers within a reasonable time frame. I have had to cancel airline flights and other stays. This is by far the most mismanaged.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On the existing account ending in XXXX with XXXX  XXXX XXXX for the amount {$1700.00}. I tried several times reporting the issue that this account does not belong to me. The account doesnt not even have the correct spelling of my name and doesnt have the correct phone number.
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

The following charges were made on XXXX XXXX 's Citibank credit card without his permission or knowledge : XX/XX/19 {$1000.00} XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/19 {$45.00} XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY (TX)

I am an identity theft victim. Someone stole my identity to open a credit card with American Express. I did not know anything until one day XXXX XXXX XXXX, XXXX. sent me a letter that said that I owe American Express {$10000.00}. I called American Express but they already closed that account. For the first time, I figured out I can check the credit report from my XXXX account. Someone stole my identity, opened, and used the credit cards : American Express and XXXX. I filed the report with www.identitytheft.gov and filed the police report with the XXXX Police Department. I filed I sent both reports to American Express and XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/2020. I filed with XXXX, too and they resolved that credit debt. However, my problem is not resolved with American Express. When the police called me and asked me " do you want me to get a court order and ask these banks to disclose these accounts investigate this fault or do you just one to just want to get a police report ''. I thought these banks can solve my problems, so I just get a report. If American Express will not solve my problem, I will ask the police to get the court order to investigate this problem.
Consumer complaint received 2020-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX / XXXX Transfer of {$1500.00} was sent to the wrong phone number for rent payment. 

WRONG # : XXXX  XXXX XXXX CORRECT # : XXXX ) XXXX We contacted chase bank the same day when error was realized. They open a " attempt to recover '' claim due to customer error. 

We also contracted ; XXXX XXXX at phone number : XXXX ) XXXX He informed us that he contacted his bank ( Wells Fargo ) and informed them of the error and requested they send the money back to me. 

I have been in contract with the branch manager at wells fargo at the below address. This is the location the receiver of our funds also went in regarding the issue. 

XXXX XXXX XXXX, XXXX XXXX, CA XXXX Wells Fargo withdrawn the funds from the receivers account and has refused to give me any updates to date XXXX XXXX informed me that wells fargo closed their attempt to recover because wells fargo declined their attempt. They will no open another attempt to recover claim. 

Wells fargo provided me with a case number : CASE NUMBER : XXXX and their Faud Departments phone # : XXXX ) XXXX As of today XXXX Wells Fargo will not provide me with any information. They have declined providing me with proof of my funds being sent back to us and will not provide us with any resolution. 

We are currently facing an eviction due to us not having those funds to pay our rent in over 30 days. My boyfriend is out of work due to the COVID-19 pandemic. and we are struggling to survive due to this issue. 

We beg someone help us. Wells Fargo will not provide us with our money back even when they took it from the receiver.
Consumer complaint received 2022-11-04
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. (MN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX Has Violated my Rights. 

15 U.S.C 1681 Section 602 A. States I have the Right to Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.