davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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. (FL)

Transunion is reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (DC)

I made a XXXX cash deposit on XXXX at XXXX XXXX XXXX XXXX XXXX Va when the atm took my cash and didn't credit it to my account I filed a dispute the claim number is XXXX which I woke up to see my claim was denied I want a full investigation I attach a picture of the receipt showing that I made a deposit I make atm deposit all the times please help and fix my account
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NE)

I have a charge card with JC Penny. I was a few days late on my payment I admit this was completely my fault. According to JC Penny customer service the system auto determined my credit worthiness was low and took my {$800.00} limit and reduced it to {$110.00} resulting in a hit to my credit score. 
I feel completely blind sided by their actions and unwillingness to help I have struggled to gain every point I have on my score and it is incredibly hard to maintain good credit. I am rarely late on anything and pride myself on paying my obligations on time and this action from JC Penny seems harsh for a one time mistake. 
This is becoming very common and companies do not care about individuals credit score and take these type of actions unfairly at the cost of the consumer. 
If I were 30+ days past due more than once I can see an action like this but feel their actions were unfair and possibly a UDAAP complaint as well.
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I have an account with Fifth Third ( 5/3 ) Bank to service my mortgage. They misappropriated escrow funds and I tried correcting this with them via email which I never got a response. I sent the tax bills received. I currently live in XXXX XXXX although the mortgage company had information that stated I lived in XXXX XXXX. I tried rectifying this but, again, I received no response. I made a payment to the escrow account of over $ XXXX which the mortgage company had applied part of that payment to the loan which I attempted to correct on two separate occasions. It is unclear whether this is being addressed as I have left a message for them to contact me and yet I have not heard anything from this company. My mortgage payment went from approx {$2800.00}, to {$2100.00} to {$3300.00}. There has been confusion and I do not have a comfort level that the people who are servicing my loan are competent. I have made over payments to the mortgage as well so that those payment would be applied directly to the principle and not to the interest. This took place over the course of the loan which is now a little over a year old. I have not received any information regarding these payments that should have reduced the amount of the loan. Any help you can provide I would greatly appreciate. Ive also asked the bank on numerous occasions to update the correct spelling of the address on my account. They still have not done so. Thank you
Consumer complaint received 2019-12-20
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)

06 XXXXOriginal creditor: 06 XXXX 201$XXXX0% paid offXXXXCollection openedXX/XX/XXXXAccount typeCollection AccountBalanceLoan Amount$XXXX$XXXXPayment InfoOriginal loan amount$XXXXBalance$XXXXUpdated onXX/XX/XXXXContactXXXX XXXX XXXXXXXX, MAXXXX(XXXX) XXXX-XXXXXXXX XXXX XXXXOriginal creditor: XXXX XXXX XXXX 201$XXXXPayment InfoStatusCharged off as bad debtUpdated onXX/XX/XXXXPast due amount$XXXX$XXXXMonthly payment-Late payments-XXXX transunion reporting inaccurate information
Consumer complaint received 2022-06-02
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)

The XXXX XXXX stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2021-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo consumer account Received email saying my payment hadnt been received. Was due that day. I thought I had Autopay for {$1000.00} but because of email ( and same late info when I logged in to WF ) I paid {$700.00} immediately. Then as soon as my payment posted I got an email saying the {$1000.00} had also posted. 

Called customer service and was told THERE IS NO WAY to apply my EXTRA payment to my upcoming XXXX payment. 

Called again, told the same thing, and asked for supervisor. Undoubtedly was the person sitting next to the one I asked to transfer me to her Supervisor. No chance this was a Supervisor. Or if so they need to fire all their supervisors. Supervisor told me nothing in the universe could allow WF to apply this vast overpayment to my XXXX  payment.

Wells Fargo XXXX. Its not enough that they stole millions or billions a couple years ago through criminal practices. Clearly WF still wants to do things the same way.

I filed a complaint but several days ago no calls as were promised. Ill never get a reply from them so Im preparing hoping you can help?
Consumer complaint received 2024-03-18
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Zip Co US Inc. (FL)

On, XX/XX/2020, I ordered a sheet set from XXXX XXXX and agreed to pay with Quadpay, four equal payments of {$39.00} scheduled every two weeks. On XX/XX/XXXX, XXXX after making two payments, I emailed XXXX for status on shipment. They replied the order had not shipped. I requested to cancel my order and XXXX   emailed me proof of cancellation due to non shipment the same day. I also notified Quadpay on XX/XX/2020 by email of my cancelled order, with a screeshot of the cancellation from XXXX and asked when I would receive my refund. Quadpay said it should take 3-5 day but sometimes up to 13 days. I emailed Quadpay again on  XX/XX/2020 of no refund and they replied they would have to look into the matter because they did not see the cancellation. I resent the proof of cancellation and told them I was also receiving notifications of payment due on the cancelled order. They respond they will look into it. I now have late fees, loan default and they have not cancelled my account or refunded my payments. Quadpay does not answer the phone and I get the same standard message of how long it takes and we will look into it every time I email to communicate my grievances.
Consumer complaint received 2024-01-06
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. (PA)

My original car note was paid in full. XXXX XXXXXXXX sent me a lien free title after they received notice. When I went to apply for a new home, I was informed that there is still a balance owed showing on my report. The consumer reporting agencies by law have an obligation to report is continuing to furnish inaccurate information to my report 100 % accurate information to consumer reports. This account has been written off as paid on the books of financial institution and reported to the IRS. Reporting this debt is a direct violation of the law.
Consumer complaint received 2022-06-02
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. (FL)

My wallet was stollen in XX/XX/XXXX, which had all of my personal belongings in it. My personal belongings consisted of my ID, Social Security card, Debit and credit cards. The person who stole my documents proceeded to a credit fraud. They applied for the following inquiries on my credit report : - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX  XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX All of these inquiries were not authorized by me and is needed to be removed from my credit report immediately.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My wallet was stollen in XX/XX/XXXX, which had all of my personal belongings in it. My personal belongings consisted of my ID, Social Security card, Debit and credit cards. The person who stole my documents proceeded to a credit fraud. They applied for the following inquiries on my credit report : - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX - XX/XX/XXXX - XXXX  XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX All of these inquiries were not authorized by me and is needed to be removed from my credit report immediately.
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 47 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 47 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

On or about XX/XX/2020, I got a XXXX late payment on all 3 credit reporting bureaus from XXXX XXXX  XXXX XXXX XXXX. I called collections department and spoke to a supervisor and she stated it was a computer glitch and it was a mistake. She said it will be updated and removed. It was updated but it wasn't removing because it's still showing on my credit report.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (SC)

Navient serviced student loan debt from a 2007 account. Recently I have been getting mail regularly ; just about monthly for last 3 months. I have worked with some of the credit repair people, and they told me " No way should this account be on your report or be valid on any type of form. '' And was advised not to pay it. Also, I believe the Statute is 7 years. 
There have been a lot of policy changes in 15 years and data brokering have become a source of viable income. Nonetheless, I wish not to be a part of whatever plan or business model they have currently. It seems each time we get this " cleared up '' - it pops up again. 
Lastly, I think I made one voluntary payment, it was less than XXXX  . I haven't contacted them at all. And had no intentions of getting into a payment agreement. 
I believe they operate ( now ) as non-profit organization. I attached a few documents. It had 4 pages in the envelope, 2 pages was disclosures.
Consumer complaint received 2022-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

This is the latest email I sent FedLoan Servicing, which I believe details the issue : I just received the results of my PSLF progress and it is NOT correct. I have spent 15 years in non profit public service. And while I have had periods of deferments, I have had periods where I was making IBR payments. Also, the current deferments because of COVID are also supposed to count towards payments. My results say that I have only made ONE eligible payment. With the waiver/application I submitted several months ago I re certified my employment with all three of my eligible employers, which include SERVICE ACCESS AND MANAGEMENT ( non profit ), XXXX XXXX ( government ) and DEPARTMENT OF CORRECTIONS ( government ). Your chat lines are never available, I have made numerous attempts to speak to someone before and through this process and it has proven to be impossible to reach someone.
Consumer complaint received 2022-06-02
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Goal Structured Solutions, LLC (GA)

Launch Servicing has been reporting a alleged debt on credit report. I never received notification stating that they would be placing this debt on my credit report and my right to ask for validation. I asked this company for validation of debt on XX/XX/22 since they have been continuing to verify this debt as accurate with the credit bureaus. I sent this certified mail I received my return receipt on XX/XX/22 that this company signed and received my request. I never received a response from this so I made a second attempt to request debt validation on XX/XX/22. I sent this certified mail as well I received my return receipt on XX/XX/22 that this company signed and received my request. Here we are XX/XX/22 and I have yet to receive my request theres no creditor listed on this account that has been placed my credit report which is a violation. I also have reason to believe that they are reporting a duplicate account on my XXXX credit report under the company name XXXX which is another violation. Both accounts show the same account number, open date, amount owed, and the same exact company address.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 and so on
Consumer complaint received 2022-06-02
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. (FL)

The Credit Experian stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Hello, I received an email from Bank Of America dated XX/XX/2022 asking me to remove the restriction on my credit report if you want us to review your application for XXXX XXXX XXXX XXXX. Two problems with that request. 

I don't apply for credit card application with that company and nor did I authorized them to check my credit ( my credit is locked ). 

I sent that an email ( XXXX ) on XX/XX/2022 to informed them this email was this is a possible potential security concern or fraudulent activity. I have not heard back. 

Honestly, I just don't think this is good business activity and should be look into further. 

Thank you
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a medical bill that insurance paid and shows a XXXX balance. Also the collection agency sent me personal medical information that is hippa violation of my rights. The original creditor shows a XXXX balance and the credit bureau refuses to remove my medical collection. I have attached documentation showing it is a medical bill with a XXXX balance as well as the collection agency having copies of my medical procedures that were done.
Consumer complaint received 2022-06-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Commencing on or about the XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammers ), XXXX : XXXX XXXX XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit card and through an intermediary named XXXX XXXX in the total amount of XXXX USD utilising JP Morgan Chase services.
Consumer complaint received 2022-06-02
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. (MO)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, and 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card or auto account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-02
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. (MO)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, and XXXX XXXXas 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card or auto account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (NY)

XX/XX/2020 Consumer Adjustment Co {$1300.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXX.However I never received any email or mail regarding such bill.
Consumer complaint received 2022-06-02
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. (FL)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have a medical bill that insurance paid and shows a XXXX balance. Also the collection agency sent me personal medical information that is hippa violation of my rights. The original creditor shows a XXXX balance and the credit bureau refuses to remove my medical collection. I have attached documentation showing it is a medical bill with a XXXX balance as well as the collection agency having copies of my medical procedures that were done.