davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or remove. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Consumer complaint received 2023-05-12
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. (FL)

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 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 2023-05-12
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: EQUIFAX, INC. (FL)

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 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 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

I went to the Experian website to temporarily unfreeze my credit for a creditor. I completed the online form to do this, and had the correct pin number, which I kept when I initially froze my account during the Equifax breach. After each of my two attempts, I was informed that they were unable to process my request and to MAIL the following documents : copy of social security card current address previous address copy of drivers license copy of utility bill or some other bill w current mailing address Send all of this info to : Experian Security Freeze, po box , etc.

I find it ludicrous that a credit agency was instructing me to MAIL all of my identifying information, which could be easily stolen in the mail. I called their published number on their website for fraud issues. After entering all of my info, I was informed that they would not be able to process my unfreeze request and instructed to mail the same materials to same address. After calling their other published customer service lines, none of which I could get through ( dropped calls, numbers not working, etc ) I googled " how to reach a human at experian. '' I found a number online on a bloggers website with instructions on how to reach a human at experian. The number he provided was not found anywhere on Experian 's website. After being on hold for 20 minutes, I was connected with a person who was able to unfreeze my account. My complaint is that Experian does not provide adequate support for credit freeze/unfreeze.
Consumer complaint received 2019-08-05
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. (NC)

A couple years ago while at a theme park I lost my backpack with all of my information inside. I had {$600.00} inside of my wallet, social security card, debit card and some other personal belongings. I did file a incident report back then but can no longer locate it. This is my second attempt to resolve this matter. The accounts are not my accounts I never had so many accounts in my life.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc (GA)

On XXXX I made a deposit to a hotel at XXXX XXXX XXXX for XXXX dollars. On XXXX the hotel realized the funds to be returned into my account. The money that was supposed to be returned never got returned into my account. I called my bank to see what was going on with the funds that's supposed to be returned to me and eveytime I call I get a different story on what's happening with my money. So they say on XXXX the funds was supposed to be refunded in to my account and never was. The representative that was talking to me was telling me that they supposedly put XXXX ik my account which already was $ XXXX and mad my account balance $ XXXX so if they put {$220.00} in my account why is my account negative when they where supposed to be returning {$220.00} to my account. I continued to try to explain to my bank that if they added XXXX then my account shouldn't have been negative amount but she kept saying the same thing over and over. So I tried hanging up and calling back and over and over, and every time I called a different person would answer and has something different to say every time switching up the story on what happend to my money. So I finally called one last time and asked to speak to higher up manager and was told something different about what happend to the money that's supposed to be sent then in the middle of me talking and trying to figure what's going she hung up on me. My problem still has not been resolved on I been waiting for over a week and a half now and still have no resolved issue
Consumer complaint received 2023-04-09
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 — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Citizens Bank reported me to credit agencies for a {$2.00} interest payment on a fully satisfied HELOC loan. I've been told that I stopped my autopay and though can not prove it I do not agree after having reviewed my records as I do not have notification of such. Even if true, the bank no effort to reach out to me to avoid the reporting as I learned it through the diligence in my review my credit report. My scores prior to this were 830+! 

Further, I now have an issue with the dispute process with XXXX and XXXX as balances were reported incorrectly to them -and they accepted it. My available balance on this HELOC is now {$100000.00}, which is {$17.00} higher than the original loan. This is due to the fact that when I went to the bank to correct the account they took a payment {$17.00} over that which I truly owed them. In discussion with the Customer Service folks I spoke to about this, numerous of them, the response to both of their errors, failing to prevent a {$2.00} balance to negatively affect my score by 70+ points for up to 7 years and then overpaying themselves to satisfy the balance, was indifference at best. 

Based on my payment history, I feel Citizens was negligent in attempting to contact me in an effort to avoid this issue and as such this has disproportionately affected my credit standing in a negative way in which they are indifferent to while being indifferent to their own mistakes.
Consumer complaint received 2019-12-04
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. (FL)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im really frustrated at this point. I have already reached out to you all about some accounts that are not mine. I have been trying to help my family get on track and this is really hurting me. Can you please remove these accounts from my credit XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im really frustrated at this point. I have already reached out to you all about some accounts that are not mine. I have been trying to help my family get on track and this is really hurting me. Can you please remove these accounts from my credit XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (NY)

This complaint is against XXXX XXXX XXXX and credit control who are unlawfully attempting to collect a debt i do not owe. they sending letters to my residence repeatedly, I made numerous attempts to try to get them to validate the debt but they failed to do soXXXX sold the debt to a third party without my consent.these companies are in violation of numerous consumer laws such as 15 usc 1692j, 1692f, 1692c,1692d, 1692g, and 1692k.
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (AZ)

So since the company has taken over our mortgage in XX/XX/XXXX, its been a struggle to get a hold of our account manager. Everytime we come up with a large amount of money that would cover one letter sent to us, Ill call to make a payment and they tell me a different amount which is more than what we have. Ive faxed paperwork to them 3 times to get on a repayment, they say they never received one page or i cant log in to complete, the website tells me our account doesnt exist. Ive left 5 messages this week alone and wanted to make a payment in the amount paperwork received on XX/XX/XXXX said was due {$3700.00}. and when I call Im informed the amount is actually XXXX.? And they wont accept my payment. I refaxed paper work for help ( again ) yesterday and have left a message for my account manager and havent heard from them. I sent an email to another loan manager, still no reply. We received a statement in late XX/XX/XXXX and the amount due at that time was {$3000.00}, due by XX/XX/XXXX. Why wouldnt they take this large amount? Please look at the dates on the paperwork, I just received the one dated XX/XX/XXXX, last week! The one dated XX/XX/XXXX on XX/XX/XXXX! We received the statement for XX/XX/XXXX.

It would be easy for them to take our home if I didnt call, their mail department is in no hurry to get anything to us and I cant log in to our account and they wont send anything via email, except the loan modification forms. Ive asked for late charges to be added to next months mortgage? Why cant they take all the payment and add that on? How are they coming up with 3 different amounts? Why wont they call me back. We want to save our home ... We are just dumbfounded they wont take our money and just keep raising the amount for what we have to do to bring it current. We believe Fay Servicing is trying to take our home. We HAVE tried to make even partial payments just to catch up, they wouldnt accept it.
Consumer complaint received 2020-02-27
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)

Im really frustrated at this point. I have already reached out to you all about some accounts that are not mine. I have been trying to help my family get on track and this is really hurting me. Can you please remove these accounts from my credit XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I received my bill on or about XX/XX/2020. The amount of the bill was {$51.00} with a {$28.00} minimum payment and was informed that I had cash back credit of approximately {$53.00}. I paid {$20.00} on XX/XX/2020 and assumed the cash back would cover the rest. I made a {$40.00} payment around XX/XX/2020. I was charged {$30.00} for late payment on my next bill dated XX/XX/2020. My complaint is, given my balance and the cash back credit, the late fee was excessive and the minimum payment was excessive. The late fee was almost the amount of the balance and the minimum payment was more than one half of what was owed. When I contacted customer service they were more concerned with my anger than resolving my issue and refused to answer my request as to how the fee and minimum payment were computed. I could not locate a person in Synchrony Bank that I could speak to regarding their policies.
Consumer complaint received 2020-02-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XX/XX/2020 I attempted to make a payment of XXXX and instead XXXX was removed instead. I called immediately and they said to call the loan department. I called said could not send me my money because I owed. I said this was an improper payment out of my habits and payed until XX/XX/XXXX this was obviously an error they refused. I contacted the bank and they said they can not get involved in this disputes since it benefits their company. I said this is illegal it was an unauthorized transaction obviously an error and refused to take a report.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Pursuant to FCRA laws, I have the right to dispute incomplete or inaccurate information. The referenced addresses below, do not belong to me and are non-mailable addresses. I am unable to receive mail at these addresses : Non Mailable Addresses : XXXX ) XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX My correct Certified Mailable Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2020-02-27
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. (GA)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, Account with no name but the account number XXXX, XXXX  Acct XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Then I see inquiries that I dont know about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have contacted the local police and the FTC.
Consumer complaint received 2024-03-16
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)

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.

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 2020-02-27
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Adjustments Inc (TX)

I was filing my taxes in XXXX of 2019 and my refund was taken by the US Dep of education. I called and they said Credit Adjustments, inc had taken the debt. I was unaware I had debt with them as the account is closed on my credit report. I called Credit Adjustments inc and tried to set up a payment plan. I told them I could not pay a lot but I would pay something every month. They asked if I was married and I said yes. They asked for his paystubs and tax info from the last year as well. I refused to give them my husband 's info it was not his debt. The total debt was {$15000.00}. He is not in the home he is deployed with the military he has no part in paying it with his income it would have been {$400.00} a month and I barely make {$100.00} a week if I can work with other personal bills. I was thrown in a panic. They then said I qualified for a {$5.00} a month plan after I refused and I have been paying that. I then found out they called my husband with out my consent I believe XX/XX/XXXX and when they did they did not say who they were or that the phonecall was being recorded. They just asked him how I make money and how much. He refused to answer because he didn't know who they were. He looked at the number and it was Credit Adjustments , inc . It has been a few months and they are calling me again. I called them back for them to tell me they had no one able to talk to me and I haven't heard from them since. I feel like their practices are unethical and I am honestly not even sure if I owe this debt! I pay for another college loan that is private and this one seems odd. Their behavior is aggressive for someone that agreed to pay and is being compliant.
Consumer complaint received 2018-02-27
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. (IL)

On XX/XX/XXXX, there was an inquiry from XXXX on my credit report. 

Following the inquiry, in XX/XX/XXXX, my credit report shows a XXXX account opened. 

I've never applied for or requested any type of line of credit with this bank/retailer. 

I contacted XXXX, on XX/XX/XXXX to request that the account be closed and they advised that if I didn't request the account, a fraud investigation would need to be initiated first before the account would be closed. 

The following week, I followed up with them and they advised that no fraud activity was detected. I believe this investigation was based on usage. No one used the account. But that wasn't the request or concern. The concern was that there was an account established in my name and social that I NEVER requested. And the account should have been closed immediately.
Consumer complaint received 2018-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

I have received 2 letters from XXXX XXXX XXXX demanding payment for a company I have never heard of in a state I have never been to. they are threating to report me to credit reporting services etc ....
Consumer complaint received 2023-07-06
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: DISCOVER BANK (TX)

I have repeatedly contacted Discover. My card was stolen and they setup an XXXXXXXX XXXX account. Discover did refund historical charges but refuses to block new recurring charges. XXXX tells me they card is active and associated with an account and because Im not on the account they cant remove it. Neither party is willing to fix this. Basically every month Im going to have to contact discover to dispute a new XXXX recurring charge. Since its recurring, they say theres nothing they can do about it. 

I first contacted approx XX/XX/XXXX when I saw the charges. On XX/XX/XXXX was my most recent call. I told them explicitly if this is not resolved Ill contact CFPB. They reiterated they set up a block for new charges but arent able to block recurring charges. On XXXX XXXX charged me TWICE for XXXX for XXXX, and theres a XXXX statement credit on XXXX that I guess was automatically triggered. I cant get Discover or XXXX to stop fraudulent charges. 

I cant get them to stop. Please help me.