davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

hello, I called Transunion multiple times, and I filed a complaint through CFPB but unfortunately not all the issues have been resolved. there were multiple names under my account, and I told them they should just leave my name and still shows another person names on my account. There were multiple Hard inquires on my account, which none of them belong to me and they should remove all the hard inquires on my account for last 24 months. there were multiple credit cards were opened, which none of them belongs to me and I did not open any new credit cards. Theres also car payment under my name which doesnt belong to me and they did not remove it.
Consumer complaint received 2023-03-29
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. (NC)

XXXX XXXX {$830.00} I have tried resolve this issue several times no results they cant prove the account is associate with with these is stopping me from applying for a home and car according to 15 U.S.C 1681 there shouldn't be any damages on my report its defamation to my character
Consumer complaint received 2023-08-25
Product: Credit 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: GOLDMAN SACHS BANK USA (GA)

On a transaction dated XX/XX/2023 I was scammed {$190.00} in the beach in XXXX XXXX XXXX using tap to pay. I almost instantly noticed this scam and reported it to Apple Card hoping that this swiftness would help my case. I have gotten in the phone with them multiple times, reopened the claim 3 times, told my story via email and over the phone countless other times. Despite providing all the evidence that I possibly can, Apple Card/Goldman Sachs continues to not only deny the claim but not even look at the details of an obvious scam. 

The whole point I use a credit card overseas is to protect myself from things like this happening. In the few times it has happened, my credit card company has timely and efficiently resolved the claim and gotten me back my money. This is the first time Ive ever filed a fraud claim and been denied and denied repeatedly. 

To others, dont use your Apple Card if you want any type of fraud protection, they will close your claim in the scammers favor and leave you hanging with the bill.
Consumer complaint received 2024-02-11
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To Whom It May Concern, I am writing this letter to address a recent late charge with XXXX XXXX account XX/XX/XXXX. On XX/XX/XXXX, I inadvertently used the wrong card to make a payment of XXXX, mistakenly using my credit card instead of my debit card. I was unaware that the payment did not go through until I was contacted by XXXX XXXX on XX/XX/XXXX. I immediately corrected the issue and the payment of XXXX $ was successfully cleared. The delay in payment was unintentional, and I was under the impression that the payment had gone through when I provided my card information. 
I have been a loyal customer of XXXX XXXX for the past XXXX years, and I have always valued the services provided. 

I understand the importance of maintaining a good credit history, especially as. The missed payment has resulted in a significant decrease in my XXXX XXXX, despite my immediate action to rectify the situation. I believe it is unfair to report my account as being 30 days late when this was not the case. I have always been diligent in managing my finances and have never intentionally missed a payment.
Consumer complaint received 2023-03-29
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. (TN)

In accordance with The Fair Credit Reporting Act, XXXX XXXX Acct. # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

This is in reference to complaint # XXXX. Where SPS states that the mortgage payment of {$780.00} does not include Flood Insurance. 
In correct it does. I have attached several documents that prove that SPS is charging me for Flood Insurance. If you go to Table 3 you will see the property taxes for XXXX which are {$160.00} Plus the payment of {$560.00} which is Principal and Interest. bring the total mortgage payment to {$720.00} as seen on SPS History spread sheet from XXXX. 
Then on XX/XX/XXXX SPS starts charging me {$780.00}, when I asked they stated it was due to Property Taxes going up. Incorrect! the Property Taxes from XXXX ( {$160.00} ) to XXXX ( {$160.00} ). As seen again on table 3 and Table 4. so if you add {$560.00} + $ XXXX {$720.00} which is correct for the monthly mortgage payment. 

Now for XXXX you add $ XXXX XXXX XXXXshould now be the monthly mortgage payment. So if you take {$720.00} - $ XXXX {$55.00} difference. Which by the way when you add $ XXXX $ XXXX {$780.00} which means SPS is adding Flood Insurance to the monthly statement. 

Which clearly shows that SPS has to adjust my monthly mortgage payment from {$780.00} to {$720.00}. because to reach the payment of {$780.00}. Look at page where it states SPS flood Ins policy {$1800.00} for 12 months, which will then be the difference of {$55.00} per month. 

so how SPS state that {$780.00} is correct. When based on their XXXX paper work it states it cimpletely different???
Consumer complaint received 2023-02-16
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. (CA)

XXXX/TransUnion/ XXXX Account : XXXX XXXX XXXX XXXX Original balance : {$27000.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX Balance XXXX {$6600.00} Date opened : XX/XX/XXXX Never lived at the following addresses : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My rights have been violated : They are furnishing and reporting inaccurate information on my credit report.

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. 2 : it also states a consumer reporting agency can not furnish a account without my written instructions I have contacted them several times and just recently today XXXX  with no successful outcome.
Consumer complaint received 2023-01-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (PA)

The Enhanced Recovery XXXX has been putting false information on my credit report. They said my account was opened on XX/XX/XXXX, and that I have a balance of {$2800.00}. My account was actually opened on XX/XX/XXXX. My account was closed with them XX/XX/XXXX with a balance of {$1300.00}. I've reached out multiple times to make sure these fixes were applied and to make payment arrangements. They send you through multiple options on the automated voice system and then either hang up or never answer.
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I sent a debt validation letter to XXXX XXXX for a second   time demanding validation of this debt. The original creditor is XXXX and the account was opened in Pennsylvania. I have never had a residence in Pennsylvania nor have I, or anyone that I know, ever resided at the address on the bill that the collection agency has sent me. I have never been associated with any of the phone numbers listed on the bill either. I also have never had cell service with XXXX. The collection agency keeps sending me copies of bills and to my knowledge, that is not an acceptable form of validation. I believe this account was opened in my name without my knowledge or permission. I am in the process of attempting to purchase my first home and need this issue resolved ASAP.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX collections for {$90.00} and a another one for {$390.00} no full account number no original creditor 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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 convictions of crimes which antedates 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

On XX/XX/XXXX, I called Navient to check the status of my refund differential that was told to me by XXXX XXXX on XX/XX/XXXX. XXXX stated that she was able to see that My RRP expired in XXXX and I td XXXX that I called around that time to re-certify, that is when I was told that all of my loans were be a total of {$270.00} ( the ones in RRP and the ones that didnt qualify for RRP, would go under Select payment ). I was told this by 2 different Representatives, XXXX in XXXX and someone else in XXXX/XXXX. My payment NEVER WENT TO {$270.00}, instead, I was charged {$290.00} in XXXX and XXXX and in XXXX, {$390.00}. Ive spoken with a rude representative today ( XX/XX/XXXX ) who kept telling me that my loans were separate and that she can not do anything about lowering the payment from {$390.00}. I demanded that she check the voice recordings from the prev months and that I speak with her Supervisor. She had me on hold for 15mins, then XXXX XXXX got on the line. At first she told me that Ive exhausted all of the prog assistance plans, then she said that She can only get me down to {$340.00}. I told her that I can not afford that at all and she suggested that I get on Forbearance. XXXX proceeded to cut me off and they tell me Since youve stated that you have a good credit score, why dont you consider refinancing. Otherwise, I can not offer you anything more! Lastly, XXXX informed me that she will put in a request to have the complaint dept listen to the recordings because the {$270.00} wasnt documented. XXXX rejected my request to have a print out of the recordings from XXXX and XXXX and stated that it was only for internal reviews. Ive asked for proof that I agreed to be put into 2 separate RRP and Select progs as she stated that I was enrolled in, to no avail. Then she stated I will put in the complaint even though nothing will be done about it other than higher ups having a conversation with the prev representatives! COMPLETELY UNPROFESSIONAL. I was given a much price and now she states that it was a misunderstanding and if I dont pay, I would be delinquent. She even stated that if I wanted to, she would remove me from RRP. The call was completely stressful and I feel drained. Nothing was resolved and she left me feeling like I was the one to blame when all that I wanted to do was to pay my bills on time and keep my credit score high. I was yelled at, I overheard whispers, and I was told that I was enrolled in 2 different Rate Reduction Programs and a select prog, but I was not aware of these things. None of the payment allocations were thoroughly explained, XXXX even said that my address was incorrect in the system, but mail was sent to me. THIS WHOLE EXPERIENCE HAS LEFT ME IN MORE DEBT THAT I STARTED. I need a lower payment, I CAN NOT AFFORD ANYTHING OVER {$280.00}. Ive been paying on these loans for over 7 years and my standard payment is still {$530.00}. How?
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Ally financial sent my account to a third party to collect. I settled with the third party and made my payments. I reached out to Ally financial to update the amount shown on credit report to reflect negative balance. They refuse to talk to me and send me to third party. The third party said they have sent them the information to show I paid but they refuse to update the information on the credit report.
Consumer complaint received 2024-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Apparently I have always had this issue about someone XXXX for me or someone acting like they're managing my account or anything that overview and my Social Security anything with my information which is probably my my my family my parents and they're not allowed to do this and I had an issue with this and I still have an issue with this and the other thing is that people are made using my social
Consumer complaint received 2021-01-10
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)

I had the loan for several years they directly told me they do not report to the credit bureaus which I relied upon in agreeing to purchase vehicle. Last years 2020 due to COVID 19 pandemic work reduction I contacted them and let agreed to be on a Covid extension of payments that once again I was told they don't report to credit bureau and they would not do so. I am purchasing a home this month and without any disclosure they reported I was 60 days late twice last month on the credit bureau for the first time. This drastically hurt my credit right while purchasing. I reached out just three weeks ago when I made a payment and they assured me they never report credit. This has caused me financial harm to my current home purchase this month and was not what was explicitly to to me both via phone and in-person. They must remove this from my credit ASAP and follow the law.
Consumer complaint received 2024-02-08
Product: Credit 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: WELLS FARGO & COMPANY (CA)

Dear Wells Fargo Executives, I have been trying to contact you for several months regarding an issue with my account. Despite my removal requests, you have advised me to contact you repeatedly, but you have failed to follow up. I have reached out to you multiple times via phone and letters, yet you have done nothing to resolve the issue. 

I have been a victim of fraud, identity theft, and three data breaches to date ( including the XXXX and XXXX data breaches ). However, Wells Fargo Card Services still appears on my credit file, and this account and balance do not belong to me. I have provided all the necessary information, which must be removed immediately to avoid further violations. 

I will file reports and complaints until this issue is resolved. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-16
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. (NC)

While looking at my credit reports I have noticed the following account has discrepancy in the " payment history '' section of the listing : XXXX XXXX XXXX The charged off account is reporting payment history each month when it should since the account has been charged off. This is falsely manipulating the statute of limitations which is FCRA violation. 

Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXX XXXXXXXX When the requested above deletions are made, please mail me an updated copy of my credit report.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLIANT CREDIT UNION (CA)

On XX/XX/2023 I sent a letter to ALLIANT CU to remove an alleged account from my consumer report that was the product of identity theft. I have not received a response nor has ALLIANT CU complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). 
Attached is the letter that was mailed on XX/XX/2023 and an updated FTC identity theft report.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, 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. (CA)

I am a victim of Identity Theft. Today I noticed Fraudulent Hard Inquiries on my credit report, that I never applied for. Frauds applied to banks in order to get loans or something.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person.

Therefore, my position is being clearly stated, hard inquiries that listed below do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.

The list of Fraudulent Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I hope for your kind understanding and quick consideration. Thank you! 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 Bank of America Consumer Reporting Department XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Cease and Desist Reporting to Consumer Report - Account # XXXX and Account # XXXX Dear Sir/Madam, I am writing to formally request that Bank of America cease and desist from reporting the following accounts to my consumer report : Account Number : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the accuracy of information being reported to consumer reporting agencies. Upon careful review of my credit report, I have reason to believe that the reporting of these accounts is inaccurate or misleading. 
I am requesting that Bank of America refrain from reporting any information related to these accounts to any consumer reporting agency. This includes but is not limited to credit bureaus and any other entities that collect and maintain consumer credit information. 
I expect that Bank of America will promptly investigate the accuracy of the information being reported, correct any inaccuracies, and update my credit report accordingly. Until such investigation is completed, I request that you refrain from reporting any further information regarding the mentioned accounts. 
Please provide written confirmation within 10 days of receiving this letter, acknowledging your compliance with this cease and desist request. Failure to comply with this request may result in legal action being taken against Bank of America in accordance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I trust that Bank of America will take immediate action to address my concerns and ensure the accuracy of the information being reported. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-01-10
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 am filing this complaint because the following credit bureau ( s ) have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

Equifax : 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  : 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX