davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports for XXXX XXXX, and Transunion all show that my student loans were 90 days late as of XX/XX/2017. However, they also show that in XXXX and XXXX, the accounts were in good standing. I have disputed this with all bureaus numerous times and still they have not fixed these errors. My loans were in forbearance then in deferment so my payments were never late. I tried to dispute these errors again and the website would not allow me to submit a new dispute.
Consumer complaint received 2020-06-17
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. (CO)

XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$660.00} on the XXXX XXXX partial account number XXXX. XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to be reporting a {$0.00} balance and no lates. It would be impossible to be late on an account with a {$0.00} balance. This false reporting of a collection/chargeoff with lates is seriously harming my credit score and this line item needs to be updated to report accurate information. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX my credit card was stolen and used at a store fraudulently and i got charged XXXX $ by Chase. I reported the card the same day of XXXX XXXX and the dispute was filed. The bank denied by dispute without any reason other than starting we did our investigation. I tried to appeal again after trying to get in touch numerous times yet their fraud claim number never works and had wasted hours n hours just to attach further proof that i had i.e a police report. I have emailed them and called them and there is no response from them yet somehow they filed the appeal without taking any proof from me or even acknowledging my police report and just few days ago denied my appeal as well stating the same reason that their investigation was done properly. I am emotionally distressed with taking out time from work just to call them so many times to find no answer and financially burdened with this amount and having not able to get in touch with the bank especially having 4 cards with them and never ever missing any payment and having a good credit.
Consumer complaint received 2023-05-26
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. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 2020-08-10
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)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$3500.00} XXXX XXXX {$2000.00} XXXX   XXXX {$4000.00} XXXX XXXX {$85000.00} XXXX XXXX {$5500.00} NAVIENT XXXX {$4000.00} XXXX XXXX {$430.00} XXXX XXXX {$23000.00} XXXX   XXXX {$3500.00} XXXX XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX   XXXX {$2000.00} XXXX XXXX {$2600.00}
Consumer complaint received 2022-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NV)

I am enrolled in a XXXX update program and every year in XXXX i get a new phone from apple using their financing company called XXXX XXXX. 
Unfortunately this year i got denied with the following motivation " UNSATISFACTORY CREDIT EXPERIENCE WITH OTHER CREDITORS ''. 
I immediately ran a credit report on my XXXX and everything looked good as usual except for an illegal debt collection activity. 
On XX/XX/XXXX, the company CAINE & WEINER COMPANY INC submitted a collection debt for the insurance company progressive. 
The amount due is {$230.00}. 
The date of First Delinquency is XXXX XXXX, XXXX. 
The Date Assigned is XX/XX/XXXX. 
I want to clarify that the debt is not mine for the following reason : I am originally from XXXX and i moved to XXXX on XX/XX/XXXX, after that date i got all my document including SSN, DL and immigration documents for that reason the debt it can't be mine. I Have never had an account with them. 
This illegal practice is causing several problems and i really wan to fix that legally. 
I absolutely don't want to pay a debt that is not mine. 
I am willing to provide any documents you need to fix the problem. 
Kindly Regards XXXX XXXX
Consumer complaint received 2020-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

A goodwill letter was sent to XXXX XXXX and my credit report was update a couple days after reporting on-time payments. However, the credit bureaus retracted this after a month and reinstated the late payments that have been resolved between myself and XXXX XXXX.
Consumer complaint received 2020-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (MD)

I reviewed my credit report and found 2 charges from Receivables Management with the original creditor being XXXX XXXX. I have disputed this to no avail with this agency. This is causing me so much stress its ridiculous. This is a violation of HIPPA and I do not owe anything because I had XXXX insurance so I should not owe a dime. I have never received proof of this debt and even so why should an outside agency have record of my medical information in the first place. I did sign any contract with this company therefore I owe nothing.
Consumer complaint received 2020-08-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Nissan sent me a check for {$100.00} and it bounced in my bank account.They put a stop payment on the check and I was never notified not to cash the check.So this put my bank account in negative status.Two checks were sent out both bounced.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

First and foremost I didn't receive the service I purchased, which was to have access to my credit report information that a financial institution would be accessing. What I was given was some over inflated scoring model that in no way represented the score that is used by FI 's when making credit decisions. Once I realized this, about 24 hrs after signing up ( XX/XX/2020 ), I contacted Transunion and canceled the service and requested a refund XXXX XX/XX/2020 XXXX. I was provided the refund within 48 hrs of canceling the service ( XX/XX/2020 ). However, the following month I was yet again charged the monthly transaction charge for the service on XX/XX/2020. I contacted Transunion again and they agreed I had canceled the service and that they would refund the fee and ensure no future charges were deducted from my account. On XX/XX/2020 I was charged AGAIN the monthly service fee, which then overdrew my account as it was an unauthorized charge that was not planned, which in effect caused an additional overdraft costing me in total 2 NSF charges totaling {$70.00} ( {$35.00} a piece ). When I called Transunion for the 3rd time on XX/XX/2020 the representative told me that I had been charged because I had re-established my service with Transunion. I obviously NEVER re-established this service with Transunion or authorized any charges to my account after the XXXX process. While the representative yet again " canceled '' my account even though I had never activated an account ( and provided a transaction ID as the previous 2 representatives had ), they have declined to cover the overdraft fees ( {$70.00} ) which I incurred as a result of them processing unauthorized transactions to my account. In addition, I have ZERO confidence that my account will not be charged again as this is clearly a scam of some sort where no matter how many times you cancel the service, as long as they have an active card on file they will continue to attempt to charge your card for the monthly service fee.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Score has dropped from XXXX to XXXX points with no explanation whatsoever. Experian regularly shows my score some XXXX points lower than other bureaus. They are showing XXXX and XXXX  XXXX XXXX XXXX XXXX as charge offs rather than resolved by bankruptcy. This is illegal. I am accusing them of fraudulently handling my account. They have done this before. I need a full explanation of why my score dropped from XXXX to XXXX and they need to remove the three charge-off items. This needs to happen as soon as possible. As well, I do not want my bank account linked to my credit report and do not want to participate in the XXXX  program.
Consumer complaint received 2020-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I need to download PayPal statements to fax to the Social Security Administration, but a block has been put on the PayPal account, and I am now getting harassed on this phone, by an adult male who identifies himself as XXXX, demanding that I download new apps, set up new accounts, do cash advance transfers between my different deposit and credit card accounts to these new accounts, send my financial property resources to XXXX.. 
Im facing a hostile eviction from this apartment, the loss of my SSI benefits, the loss of my financial and other property.. to send money to XXXX?
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-06-17
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. (SC)

I discovered on each of the 3 credit bureaus a credit card account that I never approved to be opened. Once I received it in the mail on XX/XX/XXXX I immediately called XXXX/XXXX  letting them know they had made a mistake & I didnt want the card. They said theyd take care of it but I had no idea they registered as an open account & then a closed account staying on my credit report. This is affecting my overall credit history from where it should be. 

I am in the process of closing on a new home & pulled my reports to find this error. I contacted all XXXX bureaus ( XXXX, XXXX, & Transunion ) on XX/XX/XXXX & they all put in disputes to have it removed but said it could take 30 days, but I could try to expedite the process by reaching out to XXXX/XXXX  so on the same day XX/XX/XXXX I contacted them but they said they could not expedite it for me & it would take up to 45 days. I told them I do not have up to 45 days as the contract on this home is pending & I'm trying to get the absolute best rates but they didnt seem to care about us losing out on this home. We have now lost out on that home & am looking at another house now. Please help get this expedited to be removed immediately, thank you.
Consumer complaint received 2020-08-10
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. (NJ)

I have been trying to get my credit report updated for MONTHS. I have made several calls to XXXX, Experian, I have emailed, I have snail mailed and filed several claim disputes. 

When you look at my credit report from Experian, it is NOT showing the correct amount of my loan that has been paid off. I contacted XXXX about 8 times now asking them to please send Experian the correct amount of my loans that have been paid. After contacting the Better Business Bureau I was put in contact with XXXX XXXX of XXXX who after 2 months has not corrected the information. 

I am attached my latest email where I contacted by Navient AND Experian at the same time showing in plain XXXX and visually exactly what is incorrect. XXXX Experian 's membership department told me to contact customer service. When I called before Customer Service told me to contact the dispute department who told me to contact the Membership Department.
Consumer complaint received 2022-10-30
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. (CA)

dear cfpb, i just got a response from XXXX stating that Account from XXXX is accurate and Verified...... i will attach my credit report and you tell me if its accurate or not?!? this is really annoying how they cant recognize the issue .... attached is their response and my credit report which i highlighted the errors between the 2 bureaus.. I DONT THINK THEY UNDERSTAND WHAT ACCURATE MEANS!!

well you guys are violating my rights you need to stop or i will sue ... what kind of company are you guys running here!! a XXXX XXXX XXXX can see the inaccuracies!

1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


SIMPLE TO UNDERSTAND I DONT WHY YOU GUYS CAN'T!!
Consumer complaint received 2023-05-26
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. (MD)

This is " XXXX XXXX XXXX '', and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that appears on my file that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account was updated : XXXX XXXX XXXX Balance Owed : {$830.00}.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (DC)

TDBank 's loan servicing process and supporting systems are inadequate. My spouse and I regularly make additional principal payments on our mortgage, which is allowed with no penalty for our mortgage type. TDBank 's IT systems do not allow one to pay down additional principal online. Every month, we must instead follow a two-step process : 1 ) Submit the extra principal payment through the company 's separate 'payments site ' ( as extra principal payments can not be completed through the regular Online Banking website which we log into to view our account ). This money is then routed to an " unallocated account. '' 2 ) Follow up with a phone call to TDBank 's customer service to request the unalllocated amount to be applied to pay down principal on our mortgage. 

This cumbersome two-step process can take up to 2 hours per one extra principal payment. For example, I called in on XXXX at XXXX and was on hold for 1 hour and 15 minutes to speak with someone to allocate a principal payment I made that day. I finally reached the agent, only to be told the payment hadn't settled yet and so they could not allocate my payment to principal yet. We make extra principal payments at least one time in every month, so you can do the math on how many hours it would take to make ~360 extra principal payments over the course of a 30-year mortgage.

Every other bank in the U.S. we have had a mortgage with has had an option to pay down extra principal on their regular Online Banking platform. The fact that TDBank does not offer this through Online Banking appears to be an intentional attempt to make it difficult for customers to pay down extra principal in order to boost TDBank 's bottom line ( i.e. because they are not earning interest on Prepayments ). It is a known issue at the organization, as every customer service agent I have spoken to each month apologetically explains that I need to call in each month to have them allocate my extra principal payment, and that there is no streamlined process to be able to do this more efficiently considering it will be a regular occurrence. We also requested the ability to pay bi-weekly, and were told no. 

We initiated our mortgage with a different bank, and our mortgage was subsequently sold to TD Bank. TD Bank 's loan servicing is so unacceptable that my spouse and I are considering refinancing at a new bank just to be able to pay down our mortgage at our own schedule and convenience. We know that refinancing would result in extra costs incurred for the transaction, but we do not have time to spare to battle TD Bank 's intentionally cumbersome process every month until our mortgage is paid off.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I submitted a dispute of all the item on my report to Equifax and on XX/XX/2020 I called to inquire about my results and why I hadn't received the results and it came to my attention that the agent at Equifax decided not to send my results. This is an utter violation of my rights as I have the right to my results. XXXX XXXX which is the supervisor purposely failed to verify my information when the original agent verified who I was so that the agent in question would not get in trouble. I am seeking retribution for the violation.
Consumer complaint received 2020-08-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (GA)

On XX/XX/2020 I was made aware of fraud in regards to the dealership that I bought my car from.I am asking for ALL documents in my file. without being tampered with to be reported to me. If this matter is not cleared within 30 business days, I will move forward with civil action also. Furthermore, Santander participated and defrauded me as well as millions of others by exposing me to unnecessarily high levels of risk through high loan-to-value ratios, significant backed fees, and high payment-to-income ratios. Santander also participated in fraudulent activity with the dealership by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Nonetheless, due to fraudulent activity with the dealership and mishandling and deceptive servicing practices from BOTH parties I am still paying on my vehicle and the total payout is not going down. My payment is extremely high and I am asking Santander to release me from all financial and legal obligation for this deceptive servicing practices and DELETE all information from all consumer reporting agencies and three credit bureaus. 

XXXX XXXX XXXX
Consumer complaint received 2020-06-17
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: Experian Information Solutions Inc. (CA)

I was at XXXX XXXX today XX/XX/20 and they ran my credit to see if I could finance some phones but I was told that I was denied because there were several accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I got a copy of my credit report and I saw about ten accounts with negative payment history that don't even belong to me. I did not open any of these accounts nor did I allow anyone to open them in my name. I am not affiliated to any of the companies I listed on this report nor did I gain anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I'm not sure who is responsible for these accounts but I have already filed a police report.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX XXXX marked my account as late when my account is on autopay sent communications to XXXX, experian, XXXX  and XXXX XXXX XXXX XXXX. this resulted in me being turned down for credit.