davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance-
Consumer complaint received 2024-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (PA)

I PAID BILL CREDIT CARD THRU XXXX.THEIR COLLECTION. XXXX ARE LAZY IGNORANT, ENTITLED GROUP TO WHERETHEY JUST LIKE ( XXXX ... ALSO LAZY AND IGNORANT )... to they ignore XXXX XXXX.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (MS)

I opened account with XXXX bank a few weeks ago and right after I deposited all my money into my account, XXXX has restricted my account for a few weeks, so I can not withdraw money for daily use, and I need money for food. They only have in-app chat, no phone support available. The representative in the chat told me that there is no timeline on when they unlock restriction on my account and left the chat. 
I don't think it is legal, and I can not live without food without withdrawing money from my account.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX,
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (OR)

I have CareCredit card that I paid off XX/XX/2024, and I did not receive any communication from Synchrony Bank until last week, saying I still owe a balance of over {$3000.00}. I made an electronic payment of {$3300.00} XXXX and it posted to my bank account XXXX. I called Synchrony Bank and they asked me if I " received a check in the mail '' for the amount I paid. I never got any communication from them since XXXX, and I got 2 text messages this week, showing I have an outstanding balance of {$3000.00}, as well as a missed payment. However, I can't access my account, as it was closed. They also told me I never signed up with their online service, which I know is wrong. I always use online services to manage my credit accounts. They claim itis because of a refund check they sent me, but I either never got it or never cashed it. I am on the phone now with them and they are giving me the runaround, and not crediting my account properly. I know they have had issues in the past with Consumers, and I hope you can look into this.
Consumer complaint received 2023-06-21
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: JPMORGAN CHASE & CO. (NJ)

My NAME is XXXX XXXX XXXX. 

According to Early Warning System : Chase, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, These accounts are not mine. this is fraud please delete. 


Please DELETE all other names as they do not belong to me. The following addresses do NOT belong to me, please delete them ASAP : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please ALSO delete : Phone Numbers : XXXX ; XXXX ; Also please delete the following inquiries that do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A PART OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Billing Servi are NOT my accounts. Please REMOVE THESE ACCOUNTS AND THE NAME XXXX XXXX OR XXXX XXXX XXXX. MY name is XXXX XXXX XXXX Also please IMMEDIATELY REMOVE THE FOLLOWING INQUIRES WHICH ALSO ARE NOT MINE : 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
Consumer complaint received 2023-03-08
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. (PA)

Consider this as my follow-up request to tell you that I'm a victim of identity theft. Again, I was going through my records & noticed many information or items which do not belong to me. Please block or remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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)

The obligation under FCRA 605B, as I understand it, is to expunge any inaccurate accounts from my credit report. Could you take a moment to examine the documents? It appears that some of the listed accounts are not reported accurately.
Consumer complaint received 2023-05-19
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. (VA)

My issue is I sent a verify information request to Experian XX/XX/XXXX of XXXX  about an account with lending point now they went and made updates and slight changes on that account. Now I have recently sent another dispute form and now theyre requesting all this information from me like utility bill government ID when it looks like made changes to the report without any of that information previously stated, and it was unauthorized, and without them even notifying Me so when Im in pursuant of a certain code, they want all this verification, but on XX/XX/XXXX they updated information with out, notifying me without verifying anything with me and it hurt my credit report as well and Im going to upload all supporting documents. It also seems one-sided and discriminatory that they are requesting certain items for me to send then when I am in pursuit of a certain FCRA law BUT WHEN I SENT IN MY DISPUTE LETTER IN XXXX, THEY CHANGED INFORMATION WITHOUT EVEN NOTIFYING ME all doc are provided
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (MD)

1 ) I received the letter of eligibility for XXXX on XX/XX/XXXX, dated XXXX XXXX ( a week of valuable time spent in transit ). 

2 ) I contacted Fay Servicing on XX/XX/year> to accept the offer of the XXXX and was informed it was '' too late. '' However, Fay Servicing 's correspondence stated I had until XX/XX/year> XXXX ) When I referred to the letter stating the offer must be accepted before XX/XX/year>, the representative was argumentative stating " There is not enough time. ''
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft. My personal information was used to apply for fraudulent accounts with XXXX XXXX. I have been severely affected due negative impact on credit score and reputation. This fraudulent information on my credit report has caused me damages.
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MT)

My loan was sold by XXXX to Mr. Cooper and just after they got it they had a security breach. Now, today, I'm trying to get into my account to get my tax information ( getting my taxes done tomorrow ) and their website is down. App is also down. I called to ask if they could email the info which she did, but because the site is down I can't access it! 

So frustrating! I am really concerned about this company now - how secure are they and do I need to continue to worry about my information? All the other mortgages I've had in the past always sent a physical form for taxes - I got one from XXXX, but they don't. Makes things very difficult.
Consumer complaint received 2021-01-12
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: Chime Financial Inc (GA)

My account was hack a few days before XXXX, Im working in the XXXX as an XXXX over 130 hrs a week for someone to take my funds from my account and move to ( XXXX XXXX XXXX XXXX ) another then closed the account without my authorization. I spoke with countless of representatives to the floor managers as well through about a dispute over emails and phone calls no one can help me not even with a print out of my past transactions from XXXX showing the money being taken so I can show proof to authorities to pursue filing the police report whomever took over two grand out of my account. Chime ( XXXX XXXX ) has not done anything to assist me with this matter and Ive been banking with them for over 1 year and this is the first and last time Ill never bank with a crooked company such as this one again.
Consumer complaint received 2024-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Transfinancial Companies, Inc (LA)

On my credit report there is {$1500.00} in debt coming from Transfinancial Company. The bill supposedly came from my XXXX XXXX hospital visit XX/XX/2021. I called Transfinancial multiple times trying to get a phone number to XXXX XXXX XXXX which doesn't seem to exist. The hospital billing who I also called doesn't have a bill from then. Transfinancial told me no it's the XXXX XXXX billing I called two different companies including the XXXX who seen him that date and their billing department they do not have a bill. The bill even if it was paid late by insurance shouldn't be on me, hurting my credit. And if it was some bill there. They should be able to show me the bill and a number to contact where it came from.
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX., has violated my rights. opened XX/XX/2022 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 credi
tor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this account open as an error from the store, they I applied for XXXX card and now I have XXXX  cards for the same store, and I cant put on automatic debit, this card does not even appear in my store dashboard, I spoke to the manager he told me to be able to remove the late payment he needs to close the account
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (AZ)

Rental report received by XXXX XXXX and there were inquiries needed to be disputed and were done so. The rental report was returned with all information remaining present and unchanged in any regard. The screening company utilized Contemporary Information Corporation to review the disputed information on report. The report was returned on Thursday, XX/XX/2024.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX  XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2024-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (IN)

On XX/XX/2023 Westlake Financial fraudulently charged extra fees without explaining what the charge was for. As well as a fraudulent {$4000.00} dollar down payment, a {$900.00} dollar GAP Insurance fee, a {$750.00} dollar XXXX Fee, a {$660.00} dollar License, Title, & Doc fee, and a {$890.00} dollar State Tax fee. The list of fraudulent fees adding up to {$3200.00} dollars. And the vehicle interest rate to jump to 23.69 % that was not mentioned or explained to me. Resulting in the vehicle purchase price going from {$14000.00} dollars to {$28000.00} dollars.
Consumer complaint received 2024-03-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

I am completely aware that I owe Tower loan XXXX for a loan. I explained to them that I am experiencing financial hardship and I will try to pay when I can. These people are constantly calling and coming by my house dropping off billing statements even after hours. I have emailed company about this matter. This is very unprofessional, annoying and a bit scary.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NC)

XXXX sold my loan to " Mr. Cooper '' loans. I paid my mortgage on time to Mr. Cooper mortgage loans. I have proof of cancelled check, and their endorsement on the back of the check, and I have even called my bank and was verified it was paid. I have contacted Mr. Cooper loans and spoke to a customer service rep who told me to send my copied check to an e-mail address for them to get back to me about. I just received a typical, " we received you information and will respond in time '', response back. The only responses I am getting are phone calls from collections to my place of business, e-mails reminding me I need to pay my XXXX mortgage etc. and more e-mails asking me to go to their website and see letters telling me to pay my XXXX mortgage! I am being harassed for their mistakes!!
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive gone on free annual credit report website and have tried to get my credit report from TransUnion. They constantly keep denying me it wont send it in the mail. It wont give it to me online they wont fix my disputes or remove my hard inquiries Ive submitted sufficient proof to them over and over and over. They never do what they say. They will return the answer or response to the CFPB and just write that we have sent the results in the mail should receive them within 7 to 10 days and they never send me anything. They are liars, cheaters and scammers, and keep violating fair credit reporting act. And my rights
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

On XX/XX/year>, I had an issue with XXXX XXXX  XXXX because they closed my account without reason and hold me money for 3 months. 

Last year I tried to open an account in a few banks an all of them declined my application. When I checked ChexSystem I noticed that XXXX  XXXX XXXX reported Account closed. Reason : suspected fraud activity and any amounts owed have been paid You can check in my last complaint that they closed my account after their ATM broke when I was making a deposit, they hold my money for months. Every time I called XXXX  XXXX XXXX they treated me like trash when I was calling to know about my money. 

I did not owe them anything. I made a dispute on ChexSystem they just changed it to " suspected fraud activity with no monetary loss ''. I demand the proof that they have to report that information. I need that false information delete from my report. 
I made a lot of complaints against XXXX  XXXX XXXX and if you can not help me with this, I will go to court. 

XXXX  XXXX XXXX affected my finances for almost 3 months, and they keep affecting me reporting false information. On top of that ChexSystem is allowing them to do that because I disputed the information, sent them proof of what happened and they did not help me.
Consumer complaint received 2023-03-08
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, Account # XXXX, ( Date XXXX  ), XXXX Card Services, Account # XXXX ( Date XXXX  ) and XXXX XXXX XXXX Account # XXXX ( Date XXXX ) which was disputed by me and 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-02-16
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

PORTFOLIO RECOVERY XXXX, VA XXXX, Reports All XXXX credit reporting companies false starting dates for debt REAGING XXXX XXXX XXXX, requested that they not contact me until the issue was resolved still calls
Consumer complaint received 2023-03-08
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. (NM)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2007 ; XXXX XXXX  XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$440.00}.