davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
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. (PA)

XX/XX/21 call TransUnion XX/XX/21 call TransUnion XX/XX/21 call TransUnion to dispute 10 hard inquiries that are inaccurate reported XX/XX/21 XX/XX/21 XX/XX/21 call XXXX about 3 hard inquiries that are inaccurate Sent a letter to dispute on XX/XX/21 no response
Consumer complaint received 2021-10-13
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. (IN)

I do not recognize these hard inquiries on my TransUnion credit report XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type I also do not recognize any of the hard inquiries on my credit report from XXXX, or XXXX either XXXX
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NV)

My identity was stolen and used to open a fraudulent account XXXX {$1600.00} without my knowledge. This fraudulent account appears on my credit report and is having an adverse affect on my credit rating. I did not open this account.
Consumer complaint received 2020-03-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

I am a XXXX XXXX XXXX XXXX XXXX Veteran, My FICO score has been compromised during the XXXX  Security Breach and becoming a victim of credit card fraud and identity theft that has affected my credit negatively. Unfortunately, I used Oportun a payday loan company to pay off credit card debt and establish credit. In XX/XX/2019 I began to receive late payments of the amount of {$60.00} each month although I have this account set up on direct deposit. I have been paying {$100.00} twice a month on the XXXX  and XXXX as my Veterans and SSI benefits are deposited. After discovering the problem and contacting Oportun for a resolution, I was informed that the company will not provide another contract to continue direct deposit payments because the second payment set up on the XXXX of the month does not always deposit into my checking account on the XXXX depending on the day of each month that SSI disburse my benefits if there is 31 days in the month we dont receive payment on that Wednesday causing this late fee that I can not afford with a lost of income. As a result, my credit is impacted more severely with the company reporting negative late payments past 60 days, that has drawn my FICO score down to a XXXX from a XXXX credit score. This issue is not only effacing my personal credit my business credit is also destroyed preventing me from obtaining XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (WV)

In XXXX of 2019 I Called Chase to get what they would take to pay off my dept. I then give this to XXXX XXXX to pay off and add to my refinance my load. I had my payments setup on auto, and they kept taking out payments. My dept should be payed in full but they kept taking payments so I have call them and call them and no resolve. They still say I am behind on payment. They keep charging me interest and late payments.
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I live in NY which is the hardest hit with COVID19 I am NOT essential personnel and have been ORDERED To remain home on quarantine. In this time I have been unable to work whatsoever and all money is to survive and buy basics until we are allowed to work again. I have tried to contact Capital One since this whole thing has occurred. For WEEKS not days but WEEKS when ANY number on the email or back of card is called it would just explain that the call volume is too high and would just hang up. I sent emails as well LONG before my payment was due. Now I am STILL expected to pay minimal payments for the month and the only help this company is willing to offer now that they are destroying my good credit with lates being reported to the credit agencies as I have been told by Capital One staff today since I was finally able to get through. My Issue is that being under a governmental state of emergency with no income how exactly does Capital One expect anyone to pay their bill when ALL other companies offer programs to postpone these things? They are RUDE and the so called management I spoke to explains that you can not speak to her boss. So I asked " Are you as high up in Capital One I can talk to? '' and she said " YES '' that I am unable to speak to anyone higher. So I explained with that rationale then is there anything more we can come up with to help in these hard times? And I was told NO. Capital One is a TERRIBLE company with no care for anyone else no matter what is going on in the world and I am registering my situation here that others may register theirs if they are frustrated that to keep their good credit they have to part with money that is supposed to be used to eat when you are not working and make sure they pay it to Capital One! 
My complaint concerns : a Credit Card
Consumer complaint received 2020-04-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (NC)

I took out a loan with a buisness while I was actively working, to date I have been out of work due to this horrific COVID19 virus, not sure when we will be able to work, i am a XXXX  that does XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX  and it does require us to go on the inside of the homes. I took this loan out XX/XX/XXXX, I called them as soon as I wsa laid off around XX/XX/XXXX or XXXX, I asked them if we could please make a deferrment or allow me a forebearnce. I also told them I was not quite sure when I woudl get back to work as for the information I had recieved, i was goinng to have troulble making alot of bills, wasnt quite sure what to do but hoping they would umderstand what out President had mentioned and little understanding. Im not home due to a lack of not tryihng, I would like to have a deferrment or do away with the loan.
Consumer complaint received 2021-03-15
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. (NJ)

On XXXX XXXX XXXX XXXX and Transunion responded to my complaint that I filed with the CFPB regarding Chapter XXXX bankruptcy that is on my consumer report each of the credit bureaus claimed that they verified this information with the Federal Courts, they never provided me with a name, address or person. It just states it was verified by courts. On XX/XX/XXXX I wrote to US Bankruptcy Court asking did they verify my information with credit buraus and they sent back the attached correspondence stating they do not verify records with credit reporting agencies. I also checked XXXX and Transunion websites an it states they both verify bankruptcies with the courts.
Consumer complaint received 2021-03-15
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. (CA)

I am contacting you regarding the XXXX XXXX # XXXX, # XXXX accounts. This is my third request. For the first and second time company did not provide me with the following : Explain and show me how they calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Consumer complaint received 2021-10-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc. (IN)

I have reached out to the company in question on numerous occasions as well as the reporting credit agencies. I am a resident of Indiana being accused of accounts in Oklahoma. I have sent multiple methods of verification with no response. When I did finally speak with someone at the collection agency she was rude and unwilling to resolve my issue and treated it as a personal attack on her, when its my reputation on the line.
Consumer complaint received 2021-10-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Data Mortgage Inc. (SC)

My name is XXXX XXXX and I brought my home on XX/XX/XXXX and I was with a different a mortgage company when my difficult times begin. then my loan was transferred to another company. I lost a client due to Covid-19 and that was extra income on the side that helped me covered the mortgage payment. my husband and I separated therefore he is no longer in the household. Then my daughter is XXXX  and her son been trying to come since she was XXXX XXXX XXXX so they end up her on bed rest which result in her being place on XXXX XXXX with no pay. I started a new job as a XXXX XXXX XXXX but I ' m just getting started, I hoping that the company can do a forbearance for the two payments that I missed on XXXX and XXXX of XXXX so I can start fresh. XXXX I didn't plan or expect any of these to happen but things to do happen in life. I have XXXX and I had it since XXXX and in result I have two XXXX XXXX XXXX but I know one thing is that I don't want to lose my house. It took me six months to get in house then the week of closing my house catch on fire along with five other house, someone decided to smoking and throw the cigarettes but it was still lit.
Consumer complaint received 2021-03-15
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. (TX)

CREDENCE RESOURCE MANAGE XXXX potentially negative icon Potentially Negative StatusCollection account. {$710.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$710.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$680.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$680.00} Date OpenedXXXX Details Revolving Accountsshow tooltip button XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$140.00} Date OpenedXXXX Details XXXX XXXXXXXX potentially negative icon Potentially Negative StatusClosed. {$480.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXXXX Details XXXX XXXXXXXX potentially negative icon Potentially Negative StatusAccount charged off. {$530.00} written off. {$530.00} past due as of XX/XX/XXXX. 
Account TypeCharge Card Balance {$530.00} Date OpenedXXXX
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing took over a loan which I previously had with XXXX XXXX XXXX. I have tried to get a short sale approval on my property with an offer already in place. I've sent them all the docs requested and have tried to follow up to see the decision or status since early XXXX. Each time I call they claim not to have received the docs. When I give them the dates I emailed them, they search and then say they received them. I called today and they tell me my application was withdrawn even though they acknowledge they have the required docs. Now they tell me they will send a letter advising the underwriter that I still want to get an answer as to the short sale and she advises me I will need to resend all the docs again. I've never dealt with a company so inept. One can never speak to the person that reviews the docs only individuals incorrectly reading an out dated request for docs. 
When asked to speak to a supervisor they advise they will need to call me back and they never do. This process is going to cause me to be foreclosed instead of having a lesser effect of a short sale on my credit. My account # is XXXX.
Consumer complaint received 2020-04-09
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$440.00} XXXX XXXX   XXXX {$470.00} BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-04-09
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. (AR)

I pulled my credit for the first time in 4 years and I saw a couple of accounts and many inquiries that are nominee. These suspicious accounts and inquiries need to be removed from my report, it is fraudulent information.
Consumer complaint received 2020-04-09
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. (AR)

I pulled my credit for the first time in 4 years and I saw a couple of accounts and many inquiries that are nominee. These suspicious accounts and inquiries need to be removed from my report, it is fraudulent information.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (NJ)

On XX/XX/2021 at approximately XXXX I XXXX XXXX attempted to withdraw XXXX XXXX from an ATM machine in XXXX XXXX, NJ. Upon entering my credentials I was prompted with a message stating " insufficient funds '' I was very surprised and shocked as I've never recieved such message in the past. I then attempted to withdraw again hoping it was machine error but received the same message again. 

I then decided to check my bank account by logging on to the phone application to find out I had a total of approx. XXXX USD left in my account, I also saw numerous charges of XXXX USD at various gas stations such as XXXX, XXXX and XXXX at locations I have never frequented. 

I have spoken to numerous agents at Simple and I must say I have never experienced such brute and callous treatment when I've been a loyal customer for almost 8 years. I chose Simple because it was something different, a huge change like a breath of fresh air compared to other banks but I feel as though since the bank is in a closing stage the customer is being treated like trash. 

A customer service specialist named XXXX was the only truly helpful person and understood my pain although as she stated many times there was very little she could do since the Fraud department was handling the case. 

I was digitally robbed and I expected my bank to back me up which has not happened, instead Simple has sided with criminals by not returning my money and closing my account. I have never frequented any of the flagged transaction locations, it's not even my usual behavior pattern. Are these charges ATM withdrawals or are they swiped transactions at a register? How was this investigation completed in a matter of a few days? How was I physically able to make multiple XXXX dollar transactions at the same exact time? Something is fishy here, I believe my case deserves a full in depth investigation. 

In closing I am expecting the stolen funds totaling XXXX to be returned to my account, I am also requesting the reversal of my pending account closure. This robbery has unfortunately flipped my life upside down as I can not pay my Bill 's, purchase food to feed myself or my family or purchase my medication because I am a XXXX XXXX. 

I am on a fixed income, If I die because I do not have the stolen funds returned and made available to me to purchase my XXXXXXXX XXXX I have informed key individual 's to initiate an immediate investigation and hold " Simple '' responsible for my death. 

I am looking forward to some sort of positive resolve so that I may continue living my life free of financial hardship such as this. 


Yours Truly, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-04-09
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: CITIBANK, N.A. (CA)

My current legal name is XXXX XXXX, and my current occupation is Caregiver. I am presently XXXX years old, and my current address of residence is XXXX XXXX XXXX, XXXX XXXX, California XXXX. MY CITI card account XXXX XXXX XXXX XXXX was used by not me in 2018 WITHOUT MY AUTHORIZATION. THAT WAS A FRAUD. 
I, XXXX XXXX ( " Affiant '' ), who first being duly sworn according to law, does depose and state : That fraudulent transaction ( s ) ( original or certified copy attached hereto ) was not endorsed, signed, authorized, ratified, either expressly or by implication, by Affiant or with the Affiant 's knowledge or consent. Affiant did not receive or retain any benefit or value from the transaction ( s ), either directly or indirectly.
Consumer complaint received 2020-04-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (VA)

I received a letter from Phoenix Financial Services stating that I owe a creditor XXXX XXXX XXXX XXXX XXXX {$2800.00}. I have never had any sort of involvement with this company ever. Upon looking both of these companies on the website, I discovered that these were both scams. They have hurt my credit while I was building it up. I don't understand how anyone can just open these fraudulent accounts and hurt someone's credit like this. Something needs to be done to hold companies like this accountable with fines and prison time. This is just wrong and I feel bad for people who don't know their rights or how to handle situations like this.
Consumer complaint received 2022-12-28
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. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privace and confidentiality under 15 USC 1681. 

XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2. 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.

15U.S. 1681S-2 ( A ) ) 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

During the pandemic I lost my job and couldnt make the monthly payments on my credit card. I tried to postpone the payments until I got a job again and it was postponed only for a month which wasn't enough time. This cause my credit to lower and thus is now causing even more hardships.
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

In the past week alone I have received no less than 150 calls a day from this company. I have attempted to make arrangements with them but the conditions they are requiring are beyond my financial means. I have asked them to stop calling and to correspond with me through email or mail. This has no effect. Having 30 calls a day is harassment.
Consumer complaint received 2020-04-09
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. (NC)

I previously sent two letters to TransUnion letting them know that I was a victim of identity theft attached to those letters were an FTC report and a police report to have the fraudulent items removed from my credit report. The first time they sent me a letter back stating that I did not give them enough information so I sent them the same exact information the second time and now they are saying that it looks like a credit repair company is doing my credit repair when is actually it's me sending the letters in so, as a result, they won't investigate.