davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting 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. (FL)

I have been trying to raise my score on my Transunion account for years. Of my three scores this one is always the lowest. 
I recently requested a credit report from XXXX along with my three scores. 
I disputed several items on my Transunion account. 
I have requested old accounts to be deleted. 
Transunion is intentionally discriminating against XXXX and XXXX  people. 
Their score is always significantly lower than the other two for no reason at all whatsoever. 
If the other two bureaus can at least be on the same page with how they summarize or tally a credit score then why is Transunion 's report always completed off or low or different?

Are they not a credit bureau as the other two bureaus? 
This is illegal and discrimination. I am sick and tired of the agency and want them investigated. 

Thanks, XXXX XXXX
Consumer complaint received 2020-03-13
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: ERC (TX)

I had a payment plan in motion and up to date with XXXX for an auto loan and they repoed my car regardless of our verbal agreement. I have went back and forth disputing and it has ruined my credit I cant even get a credit card to buy school clothes! There are class action law suits Im getting involved in after I research more.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OK)

I submitted required documents to request a security freeze from the company Teletrack. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. I also submitted the reason for the security freeze. I have reason to believe that my ex-husband has my information as he already has done damage to my information. ( me ) According to the law the company, Teletrack has broken the law. Civil liability for willful non-compliance 15 US Code 1681 ( n ) I will gain counsel to secure my rights.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I deposited a check from XXXX XXXX XXXX XXXX over XXXX $ ( covering the refund of my security deposit ). Through my Banking App, I received a notification that Bank of America had put a hold on my check fir 9 days, providing a list of potential reasons, but no specific information. I have no history of defaults and it is not an unusually large amount of money compared to other transactions. 
I find this excessive hold unjustified, Bank of America is abusing their dominant position. It reflects potentially fraudulent activity, I.e. to make money on interest out of phony justifications.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (NY)

I received an alert from my identity monitoring service " XXXX XXXXXXXX '' that high risk transaction had taken place today XX/XX/2021. 

Apparently, someone was able to open a checking account under my name with a company named " MoneyLion ''. 

Date : XX/XX/2021 Institution : MoneyLion Type : XXXX XXXX : Account Opening Result : Passed Venue : online I called my identity monitoring service and an investigator placed a called to this company right away. Once they verified some basic information about myself, they were able to close the account and mark it as fraudulent. 

I have no idea who did this and why this company issued a banking account under my name with no credit verification. I hope you do your best to get to the bottom of this. I will put alerts for my credit but this has me worried. 

Thank you in advance. 

Regards, XXXX XXXX
Consumer complaint received 2021-03-18
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: CL Holdings LLC (GA)

Hello I am a victim of identity theft. I recently learned that my personal information was used to open an account with XXXX and has since reported as a collection account on my credit report. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX and Jefferson capital absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. I have been trying to get this removed for over a year and it is not being resolved. 
I presently live at XXXX XXXX XXXX XXXX Ga. 
The reporting agency is XXXX XXXX XXXX XXXX ACCT # XXXX XXXX is XXXX
Consumer complaint received 2022-12-31
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. (CA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a {$500.00} secure cc since 2015 good standing no late payments. Bofa will not lift the security feature after asking for years, nor increase the limit. I have a credit score XXXX and steady employment XXXX  for 14 years making over $ XXXX a year. I am a XXXX women and feel it's more about discrimination. I have proven for the last 7 years to be an ideal customer with all on time payments. I believe the refusal to move forward is more about the mistreatment of XXXX customers.
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CO)

I began a cryptocurrency and stock investment account with Robinhood 2-4 months ago. Over these Months, I deposited {$72000.00} As I transfered some funds out, Robinhood froze the account, and asked for ID, Selfie, videos, bank statements. A service representative called. I validated every transaction. I provided all documents. 

a few days later, they said the accountn is canceled. No reason given. They sold my crypto and stock and are keeping my money. This has been since XX/XX/XXXX. 
They even took in deposits during this time, I didn't have a chance to cancel. 

I see on XXXX, they have done this to numerous people and kept the funds for 5 ( or more ) months. 

Please help. This is all I have. I am a career XXXX. I worked 12 hour shifts for that money. 

The BTC halving is in less that 20 days and I hoped to have the money reinvested. This is such abuse of power. 

I am really scared. 

Thank you XXXX XXXX
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have addresses and telephone # s and names that do not belong to me reporting on my credit report I had fraud and identity theft I will be sending a copy of my identification of where I have resided for the past 15 years I will like them to be deleted from my credit report please
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (OK)

On XX/XX/2021 I received a direct deposit in the amount of {$4200.00} in my Old Netspend checking account. The account was closed due to a fraudulent charge made and a new account was opened. I tried calling Netspend first on XX/XX/2021 to get the funds transferred to my new account and due to heavy call volume they were not answering their phone, and the system automatically hangs up your call. I called again on XX/XX/2021 and again the system hung up the call. I made another call on XX/XX/2021, was on hold for 50 minutes and a customer service representative answered. The customer service rep was asking security questions which is typical but some questions were not. When I challenged her as to why I had not provided sufficient security info up to that point to prove I was the account holder, she became argumentative and said she had no choice but to place me back in the queue where I had already spent 50 minutes trying to talk to a customer service rep. I called again on XX/XX/2021. I was on hold for 1 hour and when the customer service rep answered he said I could only transfer {$300.00} from the old account and that there was a {$1500.00} limit every 24 hours. I declined to transfer the {$300.00} because I did not want to be assessed a transfer fee. I called back on XX/XX/2021 and after a 42 minute hold I spoke to a customer service rep that told me that as of XX/XX/2021 I could only transfer {$380.00} until next month. The next time I could transfer money wouldn't be until XX/XX/2021. I have been receiving the run around from Netspend and they are unwilling to compromise regarding releasing these funds. I am in the process of selling a house and these funds are a necessity to get the home improvement work completed. Their policies are restrictive to the customer and their customer service has been subpar and has had a negative impact on my day to day personal duties and responsibilities and livelihood.
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nevada Credico, Inc. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2020-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX is reporting a collection account on my credit reports. I have never had any account with XXXX XXXX XXXX. I never opened up any account XX/XX/2020 They are reporting fraudulent collection on my credit reports. XXXX lost their reporting privileges so they shouldnt be trying to collect any debts. They also never sent any collection notices, bills, or validation to me by mail nor email. I have no clue why they are reporting inaccurate information on my credit reports. This debt isnt mine and its illegal to report anything that hasnt been validated. I have XXXX for 10 years. Never had any XXXX XXXX XXXX accounts. No bills, contract, purchases, products with XXXX XXXX XXXX.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (IN)

I recently received a bill in the mail that was a XXXX past due bill for a student loan that was supposed to be in grace period ( I graduated in XXXX of XXXX with my final degree ). The last notice I received stated that the covid extension was ending soon but I was still in school so I should not have had a payment, regardless. This was early XXXX. I had not once received notification that a bill was due, and would have gladly paid it on time if I had received it. Instead, the bill was past due when I had no prior knowledge a payment had been due. I was contacted by the university instead after the fact. I attempted to contact ECSI by phone, of which I was on hold for almost XXXX hours before hanging up. I instead called the university and they stated that ECSI had attempted to contact me by mail and school email in which I have not had access to in almost 5 years. I still receive mail at the address that was provided and as stated above I have not received a notice from ECSI about a payment due, but a letter from XXXX  XXXX XXXX when the bill was already 60 days past due. I asked why another notice wasnt sent by the school before it got to the point of being past due if they are able to handle the same matters, as to which I was given no explanation. I paid the past due amount a few days ago, which is not a problem. But I was informed that the past due status was reported to the credit bureau on XX/XX/XXXX, again, with no prior knowledge on my end of a bill being due by mail or by phone. When I asked the representative at XXXX  XXXX XXXX if she can assist with removing this from my report she stated that I would have to file a dispute. I would like this removed from my credit report. I have never missed a payment to any creditor, and this will negatively impact my credit report and corresponding score. Also to note, I check the federal student loan website pretty frequently and it never updated to indicate there was a payment and how much.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I am writing to file a formal complaint regarding the erroneous reporting of fraudulent amounts owed to credit bureaus by Synchrony Bank. Over the past several months, I have been diligently attempting to resolve this matter with Synchrony Bank to no avail.

Despite numerous attempts to obtain statements detailing the alleged debt, Synchrony Bank has failed to provide me with any documentation. Instead, I received a letter stating that they do not have the requested documents. Furthermore, Synchrony Bank has erroneously claimed that interest is owed on a contract that was explicitly advertised as having no interest for XXXX years. Attempts to resolve this issue over the phone have been fruitless, as Synchrony Bank representatives refuse to provide assistance and have even gone so far as to lock me out of my online account. Despite reaching out to the XXXX XXXX XXXX for assistance, the only response I received was a copy of my delivery bill statement.The inaccurate reporting by Synchrony Bank has caused my credit score to plummet by XXXX points. As a result, other creditors have decreased my credit limits and I am unable to obtain approval for new credit cards. Additionally, Synchrony Bank has recently added a new account under my name without my authorization.

I am requesting immediate action to rectify this situation, including the removal of fraudulent information from my credit report and compensation for the damage caused to my credit score and financial standing. I have documents supporting my attempt to communicate with them and all the documents showing their refusal to provide me information on my payments and my original contract. I have spent numerous days and night speaking to other consumers who have also fell victim of this con synchrony bank pulls, and it is alarming how many innocent people have their lives altered by this one single creditor who seems to get away with these unethical tactics.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

After filling in the basic information requested on the XXXX website for my free annual credit reports, the site stepped me through each of the credit reporting agencies ' pages. All three shutdown the process without providing me with my credit report. None asked for additional information. None gave me the opportunity to resolve issues online, nor did any provide any substantive explanation of what their issues are. 
" We are not able to deliver your free Equifax Annual Credit Report online. '' -- Equifax " A condition exists that prevents XXXX  from being able to accept your request at this time. '' -- XXXX  " We can not proceed with your request at this time. Explanation : Unfortunately, we are unable to process your request based on the information provided. '' -- XXXX
Consumer complaint received 2020-03-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC (IL)

I received a garnishment letter from my job for Opp loans for {$1500.00} so XX/XX/20 I paid the entire loan off. My paychecks were still garnished on XX/XX/20 for {$230.00} and XX/XX/20 for {$230.00}. Even though they see the problem they keep giving me the run around about refunding my money. They haven't sent anything to my employer saying stop garnishment.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

The three bureaus continue to report inaccurate medical information on my credit report. They are originally removed and placed back on my credit profile causing impact and violating my rights and HIPAA rights and need to complain. IN addition there are collection accounts for and account I never had and showing open yet in collection and no proof of contracts have yet to be provided in my 3rd attempt.
Consumer complaint received 2020-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (DE)

Hello, my name is XXXX XXXX and I am a consumer whos rights has been violated. I hope to solve this issue that JP Morgan Chase has caused. This company has committed multiple violations under the Free Credit Reporting Act. 

I want to mention a couple : - Reporting incomplete information - Reporting false information - Failing to investigate account - Failing to mark account as disputed - Negligence - Unfair business practices The account information : Chase account # XXXX XXXX XXXX XXXX, opened XX/XX/2006. 

Please send to Chase the attached documents. 

Thank you, CFPB.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (IA)

We are working with a company by the name of NewRez. This company purchased our loan from another provider in the past year. We decided to take advantage of the refinancing options that were available to us and they have been delinquent on every step of their responsibilities. We started the refinancing process in XXXX. We provided all of our required documents with 48 hours of them posting our new loan application. During the first 2 months we could not get any response from there company at all, we were then advised that we need to resubmit our previous required documents because they had now expired due to length of processing. We began asking questions on or about XX/XX/XXXX. The first acknowledgement we received back was XX/XX/2021. We were told that we would not need an appraisal completed because they could view similar homes in our area, this changed in late XXXX. We were originally informed not to make our existing mortgage payments because they wanted the new loan complete and to replace the original - this request has been delayed at least three times by NewRez and has penalized us having to pay on the old loan and not being able to take advantage of the lower interst rate and ability to pay more towards our principle. In the last few weeks we have been told that they were experiencing technically difficulties moving our loan through their system. They have asked us again to resubmit our required paperwork due to it expiring again. We were scheduled to finally close on Wednesday, XX/XX/XXXX but received a call from a Notary stating he never received the loan documents from NewRez. NewRez notified us later of that the had " technically difficulties '' again which did not allow them to send the documents. We are now scheduled for Monday, XX/XX/XXXX but have little confidence in them meeting this deadline as well.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

Somebody applied for unemployment benefits in my name. I was notified of this through the mail. Shortly after being notified about this, I received this U.S. Bank ReliaCard. I did not apply for unemployment and I do not want this card.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have XXXX XXXX reporting on my credit that is not mine and incorrect, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX, I was a victim of identity theft and I contacted you to investigate these bankruptcys listed on my credit report and I received a response that it was verified with the bankruptcy court, I contacted the courthouse to verify there information release policy the court informed me that they do not provide anyone with a debtors full social number and they do not provide any credit bureau any information about bankruptcy cases, it is quite clear someone lied about verification of this information from court house that is a violation of The fair credit reporting act ( FCRA ) to report inaccurate or unverifiable information on a credit report, I demand these be removed Immediately the 3 Bankruptcys from my credit report, please respond to me in writing once this removal has been deleted I am send a copy of my identification for my address I have used for past 15 years Thanks