davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC (CT)

I opened an account with Continental Finance ( XXXX XXXX XXXX ) and received a XXXX credit card. I went to look up my balance and the website is not functional ; the telephone customer service number just hangs up when you call it.
Consumer complaint received 2020-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (WA)

On XX/XX/20, {$140.00} was debited from my checking account and sent to Dynamic Recovery Solutions, a subcontractor of XXXX XXXX. On XX/XX/20 I received a confirmation letter in the mail that the debt was NOW settled. Well, today I called to see when they were to be removed from my credit report, and they denied that payment ever happened! My bank confirms that the transfer went through. Someone is a liar. Money doesn't just disappear.
Consumer complaint received 2023-02-12
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. (TX)

I am a victim of Identity theft. Criminals had all my personal info. through XXXX data breach and on XX/XX/XXXX Criminals swapped my cell phone number to their devices and start frauds under my name. XXXX XXXXXXXX credit card was opened XXXX XXXX, XXXX under my info. and I called XXXX XXXX on XXXX XXXX when I realized the situation after I had my police report on XX/XX/XXXX. The XXXX XXXXXXXX agents told me nothing to worry since they already cancel the fraudulent card. And I confirmed with them repeatedly anyway, every time they assure me that the card has been cancelled and I have nothing to worry. After 1 month or so, I noticed there was a significant balance on my credit report with a XXXX XXXX credit card. And I start disputing with XXXX XXXX. I submitted documents and police reports to different supervisors since I have to call them over 20 times about the issue, and every time the different supervisors gave me different requirements. I tried my best to follow and wish they will take care of this issue carefully since I am the victim and it is so obvious. All my other financial frauds with other banks/credit cards have been solved without any problem. But, XXXX XXXX insist I should responsible for the fraud and won't tell me the reason. It has been a very unpleasant experience with XXXX XXXX. It is the first credit card issuer I called to warn the identity stolen and I was assured by their agents, but it turned out XXXX XXXX never take care of it and put all the responsibility on the victim without any reason. 

And I started disputing this fraud on transunion file number XXXX Data issued XX/XX/XXXX and XXXX Report # XXXX on XXXX XXXX with all the supporting documents, but the transunion/XXXX  did not work this out, they insist Transunion can't remove it since XXXX XXXX  doesn't remove it. All the experience is bad and transunion/XXXX  supposed to be a third party not work for XXXX XXXX, they should have their own investigation and contact me whatever needed to support my case. 

I am the victim and I have all the supportive documents. 

CFPB is the last step I can take to protect my rights, I am the victim and I believe there is justice, one should not responsible for something not done by him. And Transunion credit report significantly hurt my credit score and my financial life, I am looking for law help to protect my own right. And Transunion need to correct the credit report immediately.
Consumer complaint received 2023-05-15
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received a debt card in the mail from Capital One around the end of XX/XX/2023. I do not bank with or have any accounts with Capital One. So someone has fraudulently open an account using my information without my permission or knowledge. In checking my emails this goes back as far as XX/XX/XXXX through XX/XX/XXXX. I contacted the company and reported the fraudulent account. I instructed them to close the account immediately and report the fraud. The Capital one person I talked to in the fraud department, Capital one agent # XXXX, refused to give me any information. I wanted to know when the account was opened and what they were going to do about this fraudulent account. So this issue with Capital One has not been resolved and needs to be resolved.
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

XXXX made a fraud charge to my account when I discovered it. When I spoke with customer service, they stated they could only adjust one because that was her limit. So she transferred me to her supervisor, who could fix the remaining fees. So when I spoke to the supervisor, she said she could not credit the other 9 fees because the charge was in dispute now, and the dispute department would credit them. So she transferred me to that department, and they had a 40 min  wait time, so I waited. After waiting for one ( 1 ) hour and 30 minutes later, the bank dropped me because they said the department had closed. I called back the following week asking for a resolution, and more fees were hitting my account from ACH-predated drafts. They told me again to wait until the dispute was resolved. 

I did my part and felt they were fraudulently trying to overdraft my account. I reported the unauthorized charge and the overdrafts. Chase bank refused to credit my account for all the overdraft fees that occurred since I reported the fraudulent charge from XXXX to the present. Know that my account was charged for a service that I didnt authorize, it is a fraud charge. I have escalated this matter to the executive office, and they will not credit the overdraft fees. My account has been high-jacked by Chase, and I have credit obligations to pay for with this account. I expressed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that my account has been in limbo because they are investigating this issue, and as a result, more fees are compounding. I refused to pay for any overdraft fees on this account!
Consumer complaint received 2023-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MN)

XX/XX/XXXX - Called the number at the bottom of the XXXX XXXX XXXX  website page that it said to call with mortgage questions. Was told that that was the number for auto loans and was transferred to the mortgage department. Reached someone to ask what the process was to get rid of PMI. XXXX I spoke with automatically requested PMI be removed. When I said I just wanted info, she told me that I could call the number on the letter I'd receive if I have questions. 
XX/XX/XXXX - Received response denying removal ( expected ). 
XX/XX/XXXX- When I called the number on the letter to ask about process to get an appraisal to have this reevaluated, was told that the number I was given was the wrong one and was given another number to call. Called the new number. Waited on hold and was dead-ended into a voice mail. Left message. Tried several times throughout the day to reach a live person. No luck. Was not given a call back. 
XX/XX/XXXX - Called XXXX XXXX was told that that was in fact NOT the number to call to get this resolved. Was transferred to the original number on the letter I received. Was again told that that was NOT the right department and given the ( original ) XXXX XXXX again. Before the call ended, I explained my experience and was transferred to a supervisor. Supervisor gave me the XXXX XXXX again, after trying to transfer me, where she only got the voice mail also. 

I have no way to reach a real person to get this resolved. And clearly the XXXX customer service doesn't know to get it done either.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (KS)

I opened a new account with Wells Fargo on XX/XX/XXXX with a balance transfer request to XXXX of {$7000.00}. I was told the balance transfer would get to XXXX on or before XX/XX/XXXX. Which was perfect as my cycle closed XX/XX/XXXX. I continued to contact WF by chat almost daily and was told the same. As the date was closer, it changed to 10-15 business days from when the funds are released. Then today changed to XX/XX/XXXX ( claiming that is 10- business days since XX/XX/12 ). 

I was a Credit Card XXXX for 25 years so I know how important terms and phrases are so I clarified at each transaction. I made the minimum payment to ensure I did not fall deliquent. I have now incurred interest charges and daily continuing interest due to misinformation provided by Wells Fargo. 

On three occasions, I requested escalation and to speak to a manager. Only on the XXXX request was I told someone from the XXXX XXXX would reach out within an additional 2 days. Wells Fargo has not learned from the errors of their past and continue their deceptive practices. I should not be accountable for these fees after confirmning business vs. calendar days on multiple instances. Then the date changed from XX/XX/XXXX to XX/XX/XXXX. 

My request is to have this balance transfer be processed immediately and be reimbursed for interest accrued on the XXXX card. Had I been given proper information, I could have made changes on my end to ensure I was not accrusing interest. 

I am reporting this as I am certain this is happening to others and others may not be as well versed in banking and credit cards as I am.
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I recently sold my home on XX/XX/XXXX. Select Portfolio Servicing was the company that serviced my first mortgage. I changed my address back in XX/XX/XXXX/XX/XX/XXXX as I was a victim of identify theft. 
Since closing, I have tried unsuccessfully to obtain pertinent documents, refunds due to me. The documents /monies due to me include : refund of any outstanding monies, ( they are saying they received a different amount than what my settlement statement states which affects my refund. Additionally I have yet to receive my XXXX  year end mortgage interest statement. The mortgage interest statement should've been mailed out by XX/XX/XXXX. I have attached docs to support that they have the correct address and have had it since early XX/XX/XXXX. Why haven't I received the pertinent documents due to me. 

Since my information has been removed from the system, I can only rely on the customer service agents, managers who are non-receptive to assisting me. I have heard nothing but excuses. I am requesting a full accounting of my account that includes and corroborates my settlement statement and emailed to me immediately along with my XX/XX/XXXX XXXX mortgage interest statement. Additionally I am requesting the correct refund check.
Consumer complaint received 2022-12-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

THIS ARE THE ACCOUNTS IN ERROR:

XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Date Opened XXXX XXXX XXXX
Balance XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXXSCXXXX XXXX XXXX XXXX XXXX XXXX
Account # XXXX  Date Opened XXXX XXXX XXXX
Balance - XXXX XXXX XXXX XXXX XXXXTXXXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Date Opened XXXX XXXX XXXX
Balance XXXX
None Provided

XXXX XXXX XXXX  Account # XXXX
Date Opened XXXX XXXX XXXX
Balance XXXX
None Provided

XXXX XXXX XXXX
Account # XXXX
Date Opened XXXX XXXX XXXX
Balance XXXX
None Provided
Consumer complaint received 2022-12-27
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. (PA)

My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. 
Accounts to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I was alerted via credit monitoring ( XXXX ) that a XXXXXXXX XXXX XXXX XXXX account was reported to my credit report with the name XXXX XXXX XXXX XXXX They are reporting an inaccurate address that I've never been associated with that is connected to the fraud claim : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. I HAVE A 7 YEAR FRAUD ALERT AND CREDIT FREEZE ON ALL XXXX CREDIT REPORTS. THE INACCURATE NAME AND MULTIPLE ACCOUNTS BELONGING TO THAT NAME CONTINUE TO POPULATE ON MY CREDIT REPORTS. I have never been associated with that name. My credit file has been merged due to identity theft dating back to XXXX. My credit file has been in the Special Handling Department of XXXX  as well as Transunion and XXXX due to accounts being reported to my credit report with account owners that have a similar name. The account is reporting a late payment also that has prevented me from moving and I am facing homelessness. I'VE NEVER HAD A XXXXXXXX XXXX XXXX XXXX  ACCOUNT. XXXXXXXX XXXX customer service and supervisors have not aided in resolving this issue. 

I filed a dispute with all 3 credit bureaus in XXXX. Transunion is the only credit bureau still reporting the fraudulent names, addresses and XXXX XXXXXXXX XXXX XXXX  account. 

I mailed transunion : Dispute, Drivers license, Social security card, Birth certificate, Police report, FTC report, and Utility bills. Transunion sent a follow up letter requesting the same exact information I had already sent via priority mail. I resent the same documentation AGAIN in XXXX certified mail. The tracking number shows it was delivered. Transunion still decisions my case as the debt being valid even after claiming not receiving my documents that I sent TWICE and receiving correspondence from them stating they cant block and delete the fraud unless I send required documents, which I have done. 

I submitted ANOTHER dispute to Transunion in XXXX via XXXX and I uploaded all required documents. I have yet to get a response on the dispute. Please review it and remove the fraudulent information from my report as this is affecting my life and I can not find a place to live due to this.
Consumer complaint received 2022-12-27
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: ALLY FINANCIAL INC. (IN)

I had an auto loan open with Ally Auto ( Ally Financial ) during XX/XX/XXXX- XX/XX/XXXX. I never had a late payment on this account. I have the payment history for this account from Ally Auto. 

During the first week of XXXX, I noticed that the account was marked as 30 days late with XXXX credit bureau. I started the dispute and the account was updated correctly. I contacted Ally Financial and they verified that the account was never late and provided me with a credit reference letter. 

However, in the last week the updated credit report ( with incorrect payment information - marked as 30 days late payment ) was sent to all three credit bureaus. namely XXXX, XXXX and XXXX. I have started the dispute with all 3 credit bureau It seems Ally Auto has some incorrect information on what they are reporting on my account to the credit bureaus.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (NY)

I am a victim of identity theft as I stated previously the items listed on my credit report are fraudulent and do not belong to me, i had nothing to with this. I would like to know how the fraudulent accouts were verified and when,
Consumer complaint received 2020-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (HI)

In XXXX of XXXX we received notification that XXXX XXXX XXXX   had transferred our mortgage to XXXX/LoanCare. We received a paper statement dated XX/XX/XXXX for the payment due in XX/XX/XXXX. Despite countless phone calls since XXXX we have never received another statement, either electronically or on paper. Despite our preference to use paper we tried using their website to make the payments electronically. We received email notification that the XXXX payment was rejected several weeks later. The next phone call uncovered that their system showed an incorrect entry that would neither result in either a paper or an electronic statement. There was also no apartment number on the mailing address. According to the representative this was a failing on their end. When I asked to speak with a supervisor I was put on hold for almost an hour before I hung up. A subsequent call revealed that the only way to speak with a supervisor is to wait on hold with no indication of how long the wait would be. I was told the investigation would remain open yet my next call, made to inquire about not receiving a paper statement, revealed that there was no investigation. Every month I am told statements were mailed yet hav n ver received one. I have been placed on hold every time- having been told it would be brief- only to eventually hang up after waits of 20-30 minutes. Our XXXX payment was mailed on XXXX/XXXX/XXXX yet the payment was not posted until XX/XX/XXXX which incurred a late fee. I called today, XX/XX/XXXX to see if this months payment had been received and was told it had, though it was not yet posted.
Consumer complaint received 2023-03-16
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. (WA)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-07
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have already sent multiple requests since XX/XX/2021, but the unverified accounts listed below are still reporting on my credit report and are violating FederalLaw. The TransUnionXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX : {$0.00}