davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

On XX/XX/2021 I noticed there is another inquire that I did not recognize, from TransUnion. 
Details as below : XXXX FS XX/XX/2021 Location XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION This is not done by me and I have sent an email to XXXX ( which I got from their website ), as the contact number provided did not answer my call.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

I never authorize anyone to share my information. Please remove it from my report. I also know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting on my credit report.
Consumer complaint received 2021-07-08
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. (GA)

I have requested to have the credit bureaus remove fraudulent/inaccurate information from my credit report. I sent all bureaus letters stating that the accounts listed did not belong to me in XXXX, I also sent a follow up letter requesting them to update my report with accurate information and to respond back to my request.It has been past 30 days and I still don't have an resolution.
Consumer complaint received 2021-07-08
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. (LA)

The Credit Reporting Bureaus, TransUnion, XXXX  and XXXX  are ignoring my request to investigate accounts on my credit report, I have disputed these accounts and they need to be immediately removed. I am asking for, The Consumer Financial Protection Bureau help with this information being reported as a violation of my privacy.
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank 's system duplicated a fraudulent charge on my account on XX/XX/XXXX in the amount of {$1100.00}. 
I reported the fraud and they changed my card number. They refunded one of the charges in the amount of {$1100.00}, leaving the erroneous duplicate charge ( generated by their system ) on my bill.

After numerous phone calls, they changed my account number, not just my card number. 
They rejected the dispute for the case because they said it was not disputed under the correct account number, even though it was. Today they want me to open a new dispute, even though they can see the errors on their part. 
I continue to receive statements with the incorrect balance due of {$1100.00}, plus interest and late fees. Today 's account supervisor is saying their system did NOT charge the fraudulent AMOUNT TWICE IN THEIR SYSTEM, ONLY ON MY BILL. 
Currently on this call for 84 minutes and they are saying they did not refund the fraudulent charge only the duplicate charge, and fraud investigation will once again look at this charge. i will hear back in 3 or 4 weeks, sorry they can not provide any correspondence confirming this information. 
and I MUST remain on hold if I wish to have a resolution. 
My dates of phone calls trying to resolve this issue are as follows : XX/XX/XXXX, XXXX and XX/XX/XXXX.
Consumer complaint received 2021-07-08
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. (GA)

Due to some fraudulent activities I have hard inquires on my report that were not authorized by me! I have disputed these inquired w/the CRAs w/no success. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquires and I am NOT benefiting from these inquires. 

There are ONLY TWO INQUIRES THAT I AUTHORIZED XXXX XXXX XX/XX/XXXX AND XXXX CAN XX/XX/XXXX!
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc. (WA)

I opened a credit account with XXXX on XX/XX/21 with a promotion they were running in which they were offering XXXX points to customers that open an account between XX/XX/21 to XX/XX/21 and made their first purchase before XX/XX/21. I made my first purchase on XX/XX/21. When the XXXX  days which is when they said it will be posted to my account was coming I called their customer service on the status of those points on XX/XX/21. The rep I spoke said she has created a ticket to look into this and it will be a week before I will know the status. I called back on XX/XX/21 and was told there was no mention of this ticket in my account and she would submit one that day and that I should call back on Friday to check the status. I called back on Friday and was put on hold for like half an hour before I was sort of pushed away from the call by the rep saying I should see the points coming soon. I decided I would give them by today to see if they could give me any progress on this ticket that they say they made to resolve this. So I called today XX/XX/21 and straight up was told the ticket was send to the wrong department and that she will create a new ticket and send it to the right department this time. She gave me a ticket number this time which is XXXX. I have lost hope and pray that the CFPB can help on my behalf.
Consumer complaint received 2021-07-08
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: Experian Information Solutions Inc. (AL)

This is a complaint for timeshare company XXXX. We spoke with one of their employees who claimed to not work on commission. Unfortunately I can't remember the name. They told us that we're actually making a good financial investment since we will be getting rental income - that is if we enroll in another program which we'll also have to pay for. We were lured into this when they also promised that we'll never have to pay maintenance fees again. They said the resale value would go up & it have some tax benefits similar to owning a 2nd home. Another predatory sales tactics they've used on us is telling us that is we went to quarterly " meetings '' and/or had friends/family members go to introduction meetings, it would actually take money off our maintenance fees. They also made it sound like we were given the privelege of having this special offer because they needed get a higher approval to give us the price offered. We were pressured & rushed saying it's our last chance to upgrade at the lowest price. They didn't even let us read the contract. We were defrauded by this timeshare company, they promised us things would positively different each time things got worse. We're really regretful of the decision in getting into this that obviously just gave us difficulties. This fraudulent account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2021-07-08
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: Santander Consumer USA Holdings Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-03-12
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. (NY)

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX**** Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX**** Please remove the late mark on this account and update the status to current and paid as agreed. 


The listed items are completely inaccurate and incomplete, and is a very serious error in reporting. Please delete these misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. 

Sincerely yours,
Consumer complaint received 2024-03-21
Product: Credit reporting 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 & Fair Debt Collections Practices Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Title ; 5 USC 522a Privacy Act of 1974, commonly referenced as the fair information practice principles ( XXXX  ), 15 USC 1681 and 15 USC 1692 et seq. 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ) : Account name : 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 XXXXXXXX, AS PER TITLE 15 USC 1681, 15 USC 1692 et seq. 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ), THESE ACCOUNTS HAVE VIOLATED MY RIGHTS.

Also, 15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 a Section 2 : It states, a consumer reporting agency can not furnish an account without my written instructions. I have NOT given permission or written instruction to furnish an account.

Furthermore, 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer 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.
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

On XXXX purchasing a puppy on XXXX. Breeder wanted payment by XXXX on Chase app. Before I made pymt I called my bank, CHASE, to make sure their fraud protection would cover. 
TELEPHONE CONVERSATION WITH CHASE WAS RECORDED. 
CHASE CUSTOMER SERVICE REPRESENTATIVE. 
I explained I was buying a puppy on XXXX  with XXXX. She said I was absolutely covered if it was a scam or fraud. To VERIFY I stated again to be sure she understood, and CHASES CUSTOMER SERVICE " ASSURED '' me I was protected. 
I NEVER WOULD HAVE PAID THRU XXXX IF CHASES CUSTOMER SERVICE REPRESENTATIVE HAD NOT " ASSURED '' ME CHASE WOULD PROTECT FROM FRAUD AND SCAM. 
IT WAS A SCAM AND FRAUD. 
NOW CHASE WILL NOT COVER. 
TELEPHONE CONVERSATION RECORDED ... .... 
TOTAL {$890.00} ... 1. {$540.00} 2. XXXX CHASE NEEDS TO OWN RESPONSIBILITY FOR THEIR POORLY TRAINED CUSTOMER SERVICE REPRESENTATIVE THAT COST ME MONEY. 
CHASE NEEDS TO BE HELD RESPONSIBLE, AND OBLIGATED TO REIMBURSE ME {$890.00}.
Consumer complaint received 2021-07-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (MO)

I am a consumer with Santander Consumer USA Inc and I was trying to pay {$200.00} and they are still requesting the full amount XXXX and I only get unemployment check due to COVID 19 and I tried to speak about the payment plan they refused to take my payment of XXXX dollars
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (TX)

I received a letter from Chime/XXXX  XXXX  asking me to Activate my account. I did not open an account with Chime. 

When I called Chime, I was asked to verify my phone number. My phone number, nor my wife 's phone number could not be validated by the automated system. When I got a Customer Service Rep, he could barely speak English and had a very thick foreign accent ; I was told that I had to give my social security number, my date of birth, and my phone number to verify the account or that he could not do anything for me - he suggested I could also submit a copy of my driver 's license or take a " selfie '' holding my ID. When I asked for the Fraud Dept, I was transferred to another man, also with a thick foreign accent ; after placing me on hold several times, the 2nd man told me " there is nothing to worry about as your account will be closed. '' I informed him that I had never given an account number, so what account would be closed? He said " the one under your name. '' It was a very suspicious interaction to say the least. He had information, but then kept saying that said he couldn't give me any information because I hadn't validated my information - he wouldn't even given me partial information. The only I gave him was my phone number and email addresses which, of course, could not validated. I expressed my concern that this was fraudulent, and I informed him that I was going to call the FBI, he said " Well then there is nothing more I can do for you if you are going to involve the FBI ; they will handle it. '' At that point, I terminated the call and tried to contact the XXXX XXXX, XXXX  office, which directed me to FTC ( this site ). 

I should also point out that the card I received in the mail is an actual Debit Card, with an account number, a chip, and my name -- my name is printed incorrectly on the card too ( another suspicious aspect to this ). The address this card was sent to was my former address in XXXX ( I now live in XXXX  ).
Consumer complaint received 2021-07-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CT)

On XX/XX/2021 I notified my mortgage company carrington mortgage that I need to go into forberance due to finacail hard ship due to covid.. they are not willing to work with me due to the balloon payment is due,, i tried even mortgage asst, refinance etc.. and still nothing from them
Consumer complaint received 2021-07-08
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: EQUIFAX, INC. (TN)

I have sent documents to prove that I either paid the debts off and sent them letters that the collection agency would have the accounts removed form my credit files in 30 days but they have not updated my file. 
I am attaching letters and bank statement showing that I have done everything to improve my credit by paying off collections accounts and paying off my charge off. 
However the credit agency is reporting the debt was filed in chapter XXXX and that's not the case. 
I have paid off all theses companies XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX and they reporting the wrong pay off amount! Please see letter and my bank statement with what they debit my account for. 

Plus I have dispute a number of hard inquires that I never authorized but no follow up on any of them wish I did before the Cov19. 

Thanks, XXXX XXXX
Consumer complaint received 2021-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (VA)

On XX/XX/XXXX, I reached out to FedLoans to file a balance dispute because the balance on my consolidated loans seem incorrect due to the fact that i did not borrow the amounts stated. My son was in school in XXXX in Colorado ( $ XXXX ) then he came home to attend a XXXX  college from XXXX ( $ XXXX XXXX. the amounts that FedLoan has me owing is ( $ XXXX ). I assume they are including my loans when i was in school from XXXX. I have not been in school since XXXX and those loans should not be included in this amount. I have tried to get them to review the balances again because I'm getting denied Fed Aid for my daughter who will be attending college next year. 
PLEASE PLEASE PLEASE HELP ME/US.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

Threatening to Sue. 

I want to file a complaint against Midland Credit Management for repeatedly threatening to sue me for the collection that I am disputing. 

Each time I contact the collection agency to inquire about the collections legitimacy or try to solve the matter, the collection representative repeatedly informs me that the file will be forwarded to a lawyer. A lawsuit will be filed against me.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC. (SC)

I contacted Caine and Weiner to settled on a debt. In that recorded call I stated I was calling to settle and close on a debt. The representative pulled my information and told me the settlement amount and reiterated this would in fact close the debt and account out and a letter would be mailed to me. Upon making the payment the company reported I didnt not close the account I made a payment and this made my credit score drop 45 pts! I contacted the company back stating their wrong report and they tried to say I didnt say I was closing the account but I provided proof and I wasnt taken serious until I told them anytime you call a debt collector stating you want to settle and close a account that means the account is closed! It wasnt until I threatened to contact a lawyer that the company corrected that I in fact settled and closed the account. However the 45 pts dropped from my credit score I need back! This company purposely reported that incorrect information which effected my credit score! And they need to fix there mistake!
Consumer complaint received 2024-01-30
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. (TX)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.