davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit score keeps dropping despite not having any derogatory payments or accounts. For the past 3 to 4 weeks I've been in constant communication with TransUnion which has been an absolute waste of time, TransUnion is unable to specifically tell me the reason why my credit score continues to drop month after month.

When calling in, I've requested to speak to TransUnion 's upper management regarding this ongoing concern, the initial CSR who answers the call explains there is no way for them to transfer me & insist on wanting to see if they may assist, but the conversation always ends up the same, " they are not able to answer why my credit score keeps dropping. '' In conjunction, to add insult to injury, all the Customer Service Representatives ( CSR ) I've conversed with, which have been many, have been absolutely rude, unprofessional & combative, with service such as what I've experienced they have no business talking to people whatsoever. 

Need help with this request, please contact me as soon as possible Thank you
Consumer complaint received 2023-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Thunderbird Collection Specialists, Inc. (IL)

I have tried numerous times via telephone and disputing on XXXX.XXXX  to resolve this issue. I have been informed a number of times by XXXXXXXX XXXX XXXX that they refuse to look into the incorrect billing nor do anything about this situation. Going back into 2019 I was informed by my former insurance company that this was a double bill and the original bill was paid in full. The hospital then turned my wifes bill over to a collection agency, which violated HIPAA laws due to personal information. 

XXXXXXXX XXXX XXXX for XXXX XXXX  XX/XX/2019, {$1000.00} and {$6300.00}
Consumer complaint received 2019-12-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I am not able to understand I applied for Hardship on XX/XX/2019. I had no idea it will be a tedious process. It is taking forever. I submitted complete Bank statements still Mr. Cooper is asking me for complete Bank statement. Well, the bank statements are already complete. I have XXXX XXXX XXXX and Mr. cooper should be able to understand this, this is ridiculous. they are unnecessarily dragging the matter.Please see the bank statements and the screenshot attached.
Consumer complaint received 2023-10-27
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: JPMORGAN CHASE & CO. (PA)

I paid for a flight on XXXX XXXX, business class for me and my wife on XXXX. The return flight, our seats that were supposed to recline flat for rest on a XXXX hour flight, and the tv monitor with movies, did not work for me and my wife. The airline would not give us a partial refund from a very expensive flight ( {$3200.00} each for that segment from XXXX to XXXX ). I asked chase sapphire to intervene, claiming that the advertised perks of Business class were not provided to us. I asked for 10 % of the flight to be returned, which I believed to be very reasonable. The dispute was rejected, stating that the credit card company delivered the service by transporting us. 
My dispute is that I could have been transported in the baggage compartment and according to the cc company, that would constitute satisfaction of the terms under which I paid. The service I and my wife received was clearly not as advertised by the airline, and Chase should have worked this out for us.
Consumer complaint received 2019-12-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Brian McCaffrey, Attorney At Law (NY)

On XX/XX/2018 with the guidance of my lawyer Brian McCaffrey I signed a " Triple Net Lease '' where I had to gave up " All my rights  '' I had to pay {$50000.00} for a " Closing '' I had to " Surrender the Deed '', I had to signed a Confession of Judgement for {$240000.00} and still pay {$3500.00} per month to lease a house where I spent over XXXX in order not to be evicted from the house. XXXX XXXX XXXX the bank who purchase the note that has been flipped over by more than five different banks. 
When I went to McCaffrey 's office I was promised that I would keep the Deed in my name provided that I gave {$50000.00} as a " Good Faith Deposit ''. Justice must prevail. A lot of gullible people have been scammed. 
All I am asking is a " Fair Investigation ''. I was discriminated because of my race, I am a " XXXX man ". I was discriminated because of my national origin coming from XXXX. I was discriminated because of my familial status, having a XXXX XXXX   XXXX child in my family. I was discriminated because of my religion, being a XXXX. I was discriminated because of as a family we belong to the protected category.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX I checked my credit score and it had gone down XXXX points. I figured out that it was a charge for {$2.00} on my Khols card that I only got for discounts and never used. It seems I used it to get a discount and somehow they accidently put {$2.00} on in instead of charging my Debit card the full amount for the purchase. I called and it turns out they had my incorrect address which I had them fix. I paid off and closed the card and was assured the credit agencies would be contacted to repair my credit. Next month I check my credit expecting it to be fixed but instead it was down another XXXX points. I called again and not only did they get my address wrong again but they also got my debit card number incorrect so my card was still not paid off! 

I got it paid off again and got them the correct address again. Then I got a letter saying that if I wanted my credit fixed I had to send them all of my info and an explanation of what happened and my credit score by mail or FAX. I can't even find anyone who does faxing. I am doing my best to make that happen today but what if nothing comes of it? Its XXXX and they still have not fixed things. What do I do if they keep screwing up and not doing what they said they would? My credit score was in the low XXXX and now it is in the mid XXXX. I've worked my XXXX off as a low income person to keep my credit score high because it has been so helpful. 

I tried to file a complaint with the XXXX  but even that is proving tricky.
Consumer complaint received 2024-03-13
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. (TX)

XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX reporting to XXXX XXXX Transunion and XXXX . 15 U.S. Code 1681b ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. I have never provided written permission for such accounts to be reported on my consumer report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Transunion and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have never received any form of notice to opt-out of my nonpublic personal information to be shared with unaffiliated third parties. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2023-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MS)

I contacted Affirm on XX/XX/XXXX regarding to the fraudlent account that they have listed in my name within there company, i completed a form with Affirm whom refuses to remove account from credit report, i have not received any call back from the company regards to the fraudlent activity.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (CA)

This companies listed accessed my credit information. 
I have never applied anything from this companies. 

BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (PA)

On Friday the XXXX of XXXX, I checked my credit score on XXXX and saw that I had a collection against my name originating from XXXX that they had passed to the collecton agency ERC. I had been a XXXX XXXX up to XX/XX/2020. I was alarmed by this and called ERC immediately. At this point I had very little knowledge of collections or what they entailed. 

When I spoke to the ERC agent I stated that I had serious qualms with this bill. In particular, XXXX gave me a plan that was linked to strangers ' accounts without my knowledge. Second, XXXX created an erroneous security question ; they would ask me the name of my first pet but neither I nor my family has ever owned a pet. This incorrect security question prevented me from ever accessing my account, making paying the bill very difficult. Note due to covid, I was abroad with my family and therefore was unable to visit a store in order to get a new PIN or security question. Given the service, I canceled my account. I was given email notices in XX/XX/2020 that I had an outstanding bill and then received no more communication from XXXX from that point onwards. After I received these emails, I did try to pay in XX/XX/2020 but because of the security question, I could not access my account in order to pay it. Since I had no further communications from XXXX I presumed the account was closed and any further bills were voided. 

The ERC, who did not say I could dispute the debt, misleadingly said those were issues to take up with XXXX and were not relevant to ERC. But, of course, it is relevant to ERC because if I want fundamentally to dispute the fairness of the debt, I would have to do so with ERC. Thinking that I could go dispute the claim with XXXX, I paid off the debt as soon as possible, but did not think that paying it off would acknowledge it as fairly describing the situation as one in which I had failed to pay a XXXX bill. I now understand the debt prevents me from having it removed from my credit record.
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: U.S. BANCORP (CA)

On XXXX  XX/XX/2023 i went into the US Bank at XXXX XXXX XXXX XXXX in XXXX XXXX. I brought in XXXX checks to deposit. XXXX days later I notice that I was given {$10.00} for XXXX of the checks that was written to me for {$1000.00}. US Bank never called me ; didnt even notice the error until I came into the bank on the morning of XXXX  XX/XX/XXXX. I have still not recieved my missing {$990.00}. 

Bank did not seem very contrite about the accident. Blamed the error on their scanner machine.
Consumer complaint received 2023-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I called my bank holder which is XXXX to report a problem about my credit journey. 

When i talked to one of the representatives she told me that in 2 days someones going to call me to assist me further with this problem. 
So what happen was, In my credit Journey page theres an unknown account from LVNV funding LLC with balance of {$2300.00}. 

I basically reported a credit card fraud last year and i think this one is connected to the other credit card thats been investigated and closed. 

Ive been living in NY since i moved to XXXX and i believe this was registered in California as the other fraud credit cards are. 

I dont have credit cards and i was really disappointed that this is happening to me. 

I want to build score so i can have a credit card but if this kind of fraud keeps happening it will be impossible for me to do so. 


Id be happy if you can help me with this problem. 

Thank you
Consumer complaint received 2023-10-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BRIDGELOCK CAPITAL (CA)

I started the process to buy a house in XX/XX/XXXX and signed a purchase contract in XX/XX/XXXX to buy my house where I live for {$750000.00}. The process I did it through the buyer agent XXXX XXXX who was my financial advisor, insurance agent and business coach. The purchase ended signing documents on XX/XX/XXXX. I never saw, signed or received copy any loan document before that day XX/XX/XXXX. I only got copies of the signed documents and other documents related to purchase until couple of weeks ago when I contacted the title company and I got acccess to portal to download all documents. In those signed documents dated XX/XX/XXXX I saw there was a second contract dated XX/XX/XXXX for {$820000.00}. I never cancelled the first contract dated XX/XX/XXXX or either changed the purchase price. Since I was trusting XXXX XXXX she was doing the purchase process correctly she handled all documents. It was until few weeks ago that I saw the final documents that I find out that the loan officer was same listing agent XXXX XXXX XXXX real estate agent license XXXX XXXXXXXX and Loan XXXX NMLS license # XXXX working for company Bridgelock Capital DBA Peak Finance Company. I never talked in person, telephone or email directly with him. He only speaks XXXX, and my main language is XXXX. I never received or got explanation Loan estimate, closing cost and never received appraisal either for which I gave my credit card information to pay for it. I was offered to buy for {$750000.00} and documents say i bought for {$850000.00}. I was told different things : initially seller will finance property directly, that property received multiple offers and after researching I found out property was listed 4 times and last listing only received 1 offer. In second purchase contract when I downloaded from title company portal, I found out also that I was changed from XXXX XXXX as buyer agent to XXXX XXXX who is related but I only saw the day I received the keys.
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mid-Atlantic Finance Co., Inc. (TX)

XXXX XXXX is reporting a repossession on my credit reports that is inaccurate. I sent XXXX XXXX  a letter requesting validation of this debt and all documents attached to this account. Here is the tracking to prove it # XXXX XXXX XXXX XXXX XXXX. In return of the letters I received, nothing they sent me matches to the information they are verifying on my credit reports. Not only are they verifying inconsistent information to each credit bureau but they are also reporting a balance they say I owe that is invalid, as well as the last reported date of payment and activity on this account. It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!
Consumer complaint received 2023-10-26
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

AMERICAN EXPRESS RECIEVED CHARGES FROM A FRUADULENT XXXX ACCOUNT THAT WAS OPENED WITH OUT MY PERMISSION. MY ACCOUNTS WERE COMPROMISED AS A RESULT OF FRAUD ACTIVITY. 

I the XXXX charges that are being billed from XXXX are not valid charges, they are fruad made by someone else.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am unable to view my Equifax report or scores. I have submitted letters to Equifax asking them to release the block or whatever they have that is keeping me or companies from viewing my report. Can you please help with this matter?
Consumer complaint received 2023-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I have been trying to get SLS.net my mortgage processor to remove the PMI I pay every month. They insist that I hire an assessor in order for me to remove the PMI. The mortgage itself is below the 20 % threshold as I under the law. My current principal amount is {$310000.00}. My ORIGINAL BALANCE was {$390000.00}. 

The difference in the two amounts is 22.38 %. Please assist me in getting this company to remove PMI. Their parent company is XXXX XXXX and they have a reputation for ripping off the consumer.
Consumer complaint received 2024-03-13
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. (ND)

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 

Details of the fraudulent items and the severalremoval attempts : I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my account. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 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 2022-05-21
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: ENCORE CAPITAL GROUP INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account beginning # 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