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

You deleted XXXX XXXX credit cards and added them back and deleted XXXX XXXX XXXX XXXXXXXX card and added it back! Why? This is illegal! These are identity theft fraudulent applications! I demand you remove them permanently and do NOT add them back. If you do not permanently remove them and if you ever add them back I will pursue legal action. 

Do NOT mark this case as duplicate as this is not! You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. I read your response and it is inaccurate. I still see XXXX XXXX / XXXX / XXXX credit cards ( XXXX listed as other ending in XXXX XXXX is listed as ending in XXXX XXXX is listed as ending in XXXX and XXXX is listed as ending in XXXX and XXXX is listed as ending in XXXX ) on my account and I still see XXXX XXXX XXXX XXXX XXXX XXXX  credit card ( ending in XXXX ) reporting on my account and I still see XXXX XXXX / XXXX / XXXX hard inquiries reporting on my account and I still see XXXX wrong addresses ( XXXX XXXX XXXX XXXX XXXX ) reporting on my account. These are all fraudulent due to identity theft and Must be deleted immediately! You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud. I will pursue legal action if you do not permanently delete them and if you ever add them back. 

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. 

These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted permanently and never added back All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted permanently and never added back : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again! If you do not permanently delete them and if you add them back, I will pursue legal action.
Consumer complaint received 2021-10-20
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: Experian Information Solutions Inc. (IL)

1. After Experian received my Identity Theft Report in XX/XX/XXXX, they accepted my report and they blocked this account. 

2. On XX/XX/XXXX I discovered that the account from XXXX XXXX XXXX was reinserted back into my credit report. The reinsertion was done without any notification to me. I sent a letter to Experian saying that they failed to notify me of the reinsertion, as required by the law. 

3. On XX/XX/XXXX, Experian responded to my letter sending me an email, saying that my letter is frivolous and they won't reinvestigate it. 

4. Since then, I sent 5 additional different letters, repeatedly begging, requesting and asking them to provide me with : a ) the description of the procedures that they used to verify that the debt showing on my report is not an identity theft, and the description of the procedures that were used where it shows that I obtained benefits, good, money, etc. 

b ) to reinvestigate and describe me how did they verify as accurate the balance of {$3300.00} that is showing for XX/XX/XXXX had dropped down to {$3300.00} in XX/XX/XXXX, knowing the fact that Experian verified as accurate that the last payment on this account was made on XX/XX/XXXX? How is this possible? 

c ) Then, the report also shows the same thing had happened for XX/XX/XXXX : the balance from {$3300.00} had dropped down to {$3300.00} in XX/XX/XXXX, while XXXX is missing. And again, Experian claims that they verified that the last payment was made on XX/XX/XXXX. How is this possible? 

5. In meantime, I contacted the Creditor directly myself, and in a good faith I offered to settle any financial obligation that I might owe, and that I am going to pay the amount in full when they send me a verification and proof of the claim. As of today, the Creditor have not sent me any verification or proof that I requested. 

6. I have attached copies of all letters sent since the reinsertion of this account back into my credit file, along with receipts from the U.S. Postal Service indicating the mailing date and the date they were received and signed byExperian and the Creditor, along with copies of all correspondence I have received fromthe bureau. 

Thank you very much for your help.
Consumer complaint received 2021-03-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CT)

***Received a letter from XXXX XXXX on XX/XX/XXXX advising that they are getting out of the Student Loan Business & transferring accounts to Firstmark Services effectiveXX/XX/XXXX where Firstmark will now be primary contact for student loan information. 

***We were asked to create an account with Firstmark beginning on XX/XX/XXXX or later. As per the request, account was set up and does not show any history. When I called Firstmark several times they do not show any information other than Accrued Interest owed since they took the loan over. I need to see the accrued interested since the beginning of the loan with XXXX XXXX back in XXXX. I have proof of accrued interest payments to XXXX XXXX in the amount of {$1100.00}. I was not getting any answers from Firstmark, so I called XXXX XXXX who totally disregarded the loan and said they sold it off. I am not asking for anything other than what was already paid out to reflect my new account and show history. 

***Spoke to another rep from Firstmark XXXX XX/XX/XXXX who said he had the information for me and would email it over within 48 hrs. It is now XX/XX/XXXX still have not received it. I called again today on XX/XX/XXXX with a very rude rep stating they have over XXXX XXXX loans to transfer over and he will put my request in again, but I probably will still not receive an email regarding my request. 

Not sure at this point where my information is as I am getting the run around from both XXXX XXXX & Firstmark Services. I can not believe in today 's time with such technology that payment information is readily available.
Consumer complaint received 2020-04-10
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. (TX)

ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ...

The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 


The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 



The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ...
Consumer complaint received 2024-04-02
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: DISCOVER BANK (NY)

Hello, good afternoon I have a issue with a transaction so I had to dispute it and discover card some how determined in merchants favor Dispute # XXXX I explained when I was submitting the dispute I never received my groceries I ordered for my grandmother from XXXX either the dasher delivered to the wrong address and left the food at the wrong door but I never received any groceries from XXXX that day. I Then reached out to XXXX and they were going to reship a replacement order but they ended saying they couldnt prove me any reimbursement for this order so thats when I had to dispute the purchase because the merchant never provided the services I paid for I submitted a letter to discover saying I wanted to continue the claim because Im obviously out of {$130.00} of groceries I paid for and never received I would also like dispute number XXXX reopened because I wanted to continue that claim I had explained in that claim I received the wrong XXXX order from XXXX XXXX I received XXXX XXXX  XXXX meal combos when I cant even eat XXXX and XXXX support didnt care so I need that dispute case reopened
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, 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)

To Whom It May Concern : This account was settled in court with terms attached. That this account once settled should be dismissed and deleted from my credit report. I sent letters to credit bureaus with no correspondence. I need help with this situation. Proof is below with documents and judgements.
Consumer complaint received 2021-10-20
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. (OH)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was scammed by a fraudulent company called XXXX claiming to sell shoes. They sent something completely different from the items ordered on their site. I have contacted Bank of America several times to assist with this issue and got absolutely no assistance with this matter. I returned the merchandise to the address on the package because XXXX was not willing to provide me with an address in the US to send the package to despite the package coming from an address within the US. The company claimed I would be getting a refund that I never received. I would like for Bank of America to step up and protect me as a consumer from this fraudulent company.
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (CA)

I just had 3 recent hard inquiries on my credit all happen simultaneously on XX/XX/XXXX and I believe there may be some fraud going on.

The 3 companies listed on inquiry details were : SyncB XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-09-04
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. (TN)

Hello, I have tried to resolve this with the bureaus and the bank, XXXX XXXX XXXX XXXX, and they either ignore me or try to push the problem to the other entity. 

What happened was that I opened an auto loan with XXXX XXXX right in the middle of COVID, and my account was never set up properly where I could link my normal bank account to the XXXX account to pay the bill. 

I couldn't go in and solve this problem because it was during the middle of Covid. At the time, everything was on lockdown, so I didn't have any funds in the account, and online, no way actually worked for my bank, XXXX, to link to XXXX for a bank to bank transfer. 

Therefore, they registered that I had missed two payments and was severely delinquent on my account. 

The lender I worked with never reached out to me to resolve the issue when I couldn't link my accounts with theirs to pay the bill when the bank branches were closed during covid, and the online website didn't work. 

I'm not asking for anything out of line or impossible to achieve ; I have even paid more than my fair share to the bank ahead of schedule in an attempt for them to correct their report. 

I am only asking for the false, derogatory marks to be removed. I think this is pretty understandable considering both parties are to blame and that I have already made up for the payments and added more. 

As far as other people are thinking about looking to get a loan with XXXX, I know they have lower rates, but they really have to work on their back end where they don't trash people 's credit if there is an error. 

I also do not appreciate the fact that I have called them multiple times and made efforts to reach their manager, and they either put me off or tried to push the problem on the bureaus or someone else instead of helping their customer. 

Hopefully, this helps resolve this issue and that something good can come from my situation.
Consumer complaint received 2020-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

BEWARE of this TERRIBLE mortgage company with EXTREMELY poor customer service. It is impossible to get anything resolved by a human, let alone a series of emails with proof to their various departments. They do not care about customers or try to help them once they are unknowingly stuck with them. Unfortunately, our mortgage was transferred to them by XXXX XXXX and we did not have a choice. We have been homeowners for over 40 years, have excellent credit ratings, always pay our bills on time, and since XXXX XXXX sold our loan to Mr. Cooper we have experienced nothing but problems. They are intentionally holding our money hostage, probably to collect interest on it and to have the audacity to charge us late fees. The first loan payment was paid almost 2 months ago and they have no record of it. We paid this loan payment to XXXX XXXX as we were instructed to do, and it was wired to mrcooper.com 2 days later. XXXX  XXXX XXXX debited our account on the same day. Mr. Cooper has had the money all of this time and can not find it. We provided proof to Mr. Cooper three times via email and wire tracking numbers, but guess what? They have no record of the payment! How is this even possible? I set up automatic payments for the following months when I was able to do so ( after much trouble ), but the auto payment information has mysteriously disappeared and now we are two months past due. XXXX XXXX is having problems with this company as well, because this has been happening frequently with refinance customers like ourselves. Why in the world do they use Mr. Cooper to sell their loans to? This was supposed to be an exciting time for us, our final home loan ( are in our 60s ), enabling us to stay in our home of 20 years without having to downsize. This has caused us so much stress, not to mention hours of precious time, and with no resolution in sight. From reading all of the negative reviews, it looks like were in for a long and painful ride with this unscrupulous company.. After numerous phone calls trying to get this resolved, the last customer service rep told me that the reason for the name change was because of the horrible reputation they had under the old name and that they were trying to do better. Ha! I have been reading horror stories about suddenly inflated or missing escrow payments for no reason, unjust late fees, and hidden fees not disclosed to the customer in their statements. I hope that with all of these burned customers we can come together in a class action law suit against Mr. Cooper so that we can sue them for illegal practices. I intend to file every complaint that I can, warn as many people as I can, and fight this company until I get this resolved. It is a shame that what was supposed to be a happy decision to refinance our beloved home in order to live out our final days here has turned into this nightmare. Shame on them. There has to be a way to get out from under them ... they shouldnt be allowed to do this to people.
Consumer complaint received 2022-12-29
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-04-10
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: EQUIFAX, INC. (TX)

ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ... 

The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 


The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 



The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ...
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. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Earlier this year, after being an HSBC Premiere customer for 13 yrs, I opted to close all my business and personal accounts and move to XXXX. I personally went into the HSBC brancXXXX on XXXX XXXX in XXXX XXXX, FL where the teller closed all the accounts, issued a bank check for the funds and assured me there was nothing more that needed to done from my end. 
A few weeks later, the bank manager XXXX  contacts me to let me know there are outstanding balances on the accounts that are accruing fees. I tell him its not possible as the accounts were closed. He shows me that they had in fact remained open. We proceed to close them again along with Credit Card account. 
XX/XX/2021 -Found out my HSBC Premier Credit Card had not been closed as instructed and was accruing fees. 
-Called HSBC Premier spoke, went through issues that had kept the account open without my knowledge, resolved the outstanding balances, brought the account to zero balance, and was assured the account was closed and that there was nothing further needed on my end. 
-Account Closure CONFIRMATION in notes attached ( Call was recorded ) XX/XX/2021 -I was in the process of refinancing 2 properties. Mortgage agent called to say my credit score had dropped due to a delinquent HSBC amount. I told him it wasnt possible as the account had been closed more than 2 months ago. 
Mortgage agent said a simple letter from the HSBC Bank Manager stating the error would suffice, and that he could send it to the Credit Bureau to rectify. 

Detailed Notes of Daily Records Attached XXXX2021 After numerous calls to HSBC in an attempt to resolve the erroneous delinquency reported to the Credit Bureaus , my credit score has dropped from XXXX to XXXX. This has resulted in the mortgage company no longer able to refinance my 2 properties as the credit score is too low, which is now significantly impacting my business and livelihood.