davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-03
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. (VA)

Good day-I have disputed on several occasions an inaccurate XXXX XXXX car loan reporting by TransUnion Credit Bureau. My first letter was sent on XX/XX/2020, second letter was on XX/XX/2020. To date I have not received a response to my last letter-the inaccurate information still remains on my report. By not replying and not providing me any viable evidence TransUnion has violated the federal law. 

Please note this information is not reported on any of the other credit bureaus.
Consumer complaint received 2020-10-03
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: JPMORGAN CHASE & CO. (KY)

In early XXXX I found charges on my credit card online account dated back in XXXX. Upon looking at all charges found more charges that werent mine dateing back to XXXX. I called in to report unauthorized charges and I could not find my credit card nor did I have it in my possession. 
On or about XXXX I was contacted by the Chase fraud department about these 7 charges dated XX/XX/XXXX for {$1300.00}, XX/XX/XXXX for {$160.00}, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for XXXX. These charges are not mine nor made by me. 

In a second conversation with the chase fraud department I was told by the agent that according to my public records I worked for an equipment company in the past and these are equipment type businesses an I received letter from the Chase fraud department dated XXXX with their decision on their investigation stating I received benefit from all purchases disputed. This credit card as the majority of my other credit cards signed check id. Chase hasnt ever provided me with how they came to the decision of me receiving benefit from these charges as I didnt make these charges nor did I benefit from them Ive spoken with Chase numerous times and will still take their calls an explain this situation to them everytime. Ive wasted entirely too much time an effort in trying to resolve this issue and has became nothing less than harassment. Ive filed disputes on my credit reports an items still havent been removed.
Consumer complaint received 2020-08-18
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$580.00} XXXX   XXXX {$490.00} XXXX XXXX {$400.00} XXXX XXXXXXXX XXXX {$480.00} XXXX   XXXX {$1500.00} XXXX XXXXXXXX {$830.00} XXXX XXXXXXXX {$760.00} XXXX   XXXX {$720.00}
Consumer complaint received 2020-10-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

hello : i sent XXXX dollars to my brother in law over seas with western union. 
after 55 days i was told the transaction was declined and for the last 4 days i have been trying to get a refund and i got no good answer, every time i call am put on hold for a good hour and a half then they till me we will call you back with an answer. 
i never got that call my name is XXXX XXXX XXXX XXXX thanks
Consumer complaint received 2023-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Revenue Systems, Inc. (GA)

XX/XX/XXXX I was asked to get a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a bill from the XXXX XXXX who read the XXXX XXXX  by mistake, given that the bill should go to XXXX XXXX for XXXX XXXX in XXXX. I confirmed that with multiple emails to the XXXX XXXX XXXX. Every time I received letters I would send it to the XXXX XXXX XXXX and they will assure me that it has been handled and it should have never been sent to me. Today XX/XX/XXXX I was checking my credit report and I see a mistaken this XXXX $ debt was sent to collection agency and reported on my credit report which damaged my score. I am extremely frustrated with the whole situation if you can please assist in this matter.
Consumer complaint received 2020-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions of Ohio, Inc. (OH)

I received a letter from Debt Recovery Solutions of Ohio , Inc. stating that I owe an outstanding balance. I am disputing the claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. Debt Recovery Solutions of Ohio, Inc., did not complying with FDCPA and with the FTC. Under the FDCPA Section 806,807, 809,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, and FCRA 605B ( 15 U.S.C 1681c-2 ) failed to submit the proper documentations to validate the debt. Due to the Coronavirus ( COVID-19 ) Pandemic and the time frame of the actual implementing judicial procedure for processing from XX/XX/XXXX- XX/XX/2020 a Summary Judgment was granted in favor of the Debt Recovery Solutions of Ohio , Inc . I was unable to have the benefit of counsel and fair judicial process, this debt is fraudulent and never validated.
Consumer complaint received 2020-08-18
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)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$18000.00}
Consumer complaint received 2020-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited three checks about a week ago in late XXXX, 2020 for the sum of XXXX into my Chase checking account. All three checks cleared. Yesterday my debit card for my personal checking account was declined. I went to the local Chase bank in XXXX XXXX and asked what was going on and Chase had frozen my checking account. The branch manger told me she could not speak to me about it, I had to talk to the security department over the phone. The woman from securities was extremely rude. She said she couldn't verify any of the checks. One of them was a personal check and two were from separate companies. They called the number I provided for the personal check ( XXXX ) and said it was verifiable but they couldn't verify the other two ( XXXX ) and they couldn't give me the funds until they could. 

The next day my account was closed and my money was gone, including the remainder of funds, not affiliated with these deposits. I went into another Chase bank and spoke with a banker. He called Chase securities again. He seemed just as baffled as me. He said " I'm not sure why they are doing this to you, it doesn't make sense to me either. '' After the call he apologized and said there was nothing he could do. 

My rent check didn't clear and I am missing payments on my credit cards. This is doing a lot of damage and it seems illegal. I don't know what is in place here to protect me, the customer, but it has been very damaging to me financially and caused so much stress. I feel that I am being treated like a criminal when all I did was deposit three checks, which I have done many times in the past.

I have attached the three checks in question at the bottom in PDF format -XXXX
Consumer complaint received 2020-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

I have had a used vehicle loan with Ally Financial for a little over 3 years. The terms of my loan state that any amount that I wish to pay, over the minimum payment, will only apply directly to the principal if it's requested in writing. 
Since my very first payment, I've sent additional funds every month, clearly marked " apply excess to principal. ". 

I realized several months ago that they weren't applying the excess that way, and reached out to Ally. First I was told that I must " request it in writing '' to have excess applied that way, rather than the next payment. 

When I explained that it was marked that way, I eventually spoke to a " Supervisor '' who explained to me that it was their policy, not the loan terms, that allowed the application of additional funds, but they apologized and applied the current payment, at that time, to adjust the principal owed. 

However, all payments should have been re- amortized, as each and every " extra '' principal amount would have a domino affect on the percentage of the NEXT payment that should apply to the principle. 

Then it happened again - and I spoke to them about it again, via email. And it stopped for a little while. I sent 2 payments that were applied correctly, and it now appears that they've gone back to their " old tricks '', but even worse. 

I recently started sending them completely separate checks, marked " apply to principle only '' for a much larger amount, in addition to my overpayment of the scheduled loan. They are taking interest out of these separate payments, as well as not applying the additional payments correctly? They're essentially " double dipping '' monthly interest payments rather than applying the amount to principal. 

This is clearly a " predatory '' and intentional misunderstanding of their own policies ; that amounts to an undisclosed prepayment penalty on the loan.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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 Code 1681a -Definitions ; rules of construction- Exclusion- Expect as provided in paragraph the term consumer report does not include any report containing information solely as a transaction or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.
Consumer complaint received 2020-10-02
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. (MA)

Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-01-06
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. (NJ)

XXXX XXXX on XX/XX/2022 pulled my credit and I did not apply for anything XXXX XXXX Bank pulled it on XX/XX/2022 and I did not apply for anything with them
Consumer complaint received 2020-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

All I asked WF is to properly subtract my entire principal payment from the balance like they should have done on the date of payment. Wells Fargo is trying to commit fraud again! All I asked them to do was fix this so-called mistake and they refused. They just gave me the run around! No idea what they did????? All I know is WF is charging me interest on my incorrect balance! 

By accepting the principal payment and having it printed on the receipt, WF entered to an agreement to accept the principal payment! I should have been not been told it would go towards my balance if it was not going to be at the time of the deposit! Principal payments go directly towards the balance only, not interest! 

Principal payment is simple math. The entire principal is subtracted from the balance only! They do not need to contact me to confuse the situation or try and convince me what they did is correct! This is not the first time Wells Fargo has done questionable activities, in fact there is a XXXX ( Dirty Money ) special just on Wells Fargo illegal activities. This is why they have commercials that state : earning your trust back .... Now the question is how many customers is Wells Fargo doing creative accounting on?
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Last week and earlier this week I submitted the requested documents via PennyMac portal as well as I resubmitted the same documents via the PennyMac team email address. Today, at XXXX XXXX  EST I received an email from XXXX XXXX stating " missing documents for your application '' and said that this was a NOTICE OF IMCOMPLETENESS and if I didn't submit the documents by XX/XX/XXXX that my application " PennyMac ( sic ) may need to decline the application for being incomplete ''. I am working on my 3rd refi with PENNYMAC this calendar year ( XXXX ) and have had a horrible experience. The first refi completed, I muscled through and completed. the second refi, I receive a {$7000.00} credit towards closing costs since it tool over 110 days to complete on a refi where PENNYMAC held the mortgage and couldn't complete the refi in a timely manner. I am working on a a refi money out and AGAIN!! PennyMac can not get out of their own way to complete a simple refi. I confirmed on the phone with a representative that they could see where I submitted the documents twice ; however, XXXX XXXX took more time to draft and send me a threaten email rather than SIMPLE looking in the folder and determine the documents were submitted twice to PENNYMAC. I am sick and tired of working with an incompetent company where employees aren't trained or overstressed with the work load. 

I expect a return call explaining how this could AGAIN become an issue!
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My problem does not really fit any of the previous categories. I have had an EXCELLENT credit rating for decades. TransUnion decided to drop by score more than 110 points based on their perception of my available credit and cash.

1. I pay off all my credit card balances in full every month, with one exception 2. I have an {$30000.00} 18-month no interest platinum card with XXXX. I have been using that as a credit line for my new business. The minimum payments are made every month. And some months, I pay it down from $ XXXX. 
3. They decided that my % of balance to available credit was too high. I have no incentive to pay off a 0 % interest credit card until the interest begins in XXXX. We will be paying it off in full in XXXX, so we don't incur interest. This makes great business sense, but who knew utilizing your great credit score to obtain money, could ruin your credit score!

4. I have had a no limit credit card with XXXX XXXX, since the late XXXX 's and can easily borrow {$100000.00} from them today. So my credit balance to available credit is quite low and not high, like they perceive. 
5. I have worked hard all my life. My net worth is well over a XXXX dollars. My husband and I have almost a XXXX  XXXX with XXXX XXXX, including {$45000.00} in a money market that can be used to pay any credit card or emergency. We own close to XXXX XXXX in property, including our waterfront home and waterfront business, free and clear. 
6. I have tried contacting them. I called today. It just said Press 1 for English and 2 for Spanish, 3 times and then said sorry you are having difficulties. Call back later. I pressed 1 for English all 3 times and it would not connect. 
7. I tried reaching out online and now I'm getting a solicitation today to sign up for their credit monitoring, which of course, they want me to pay for. 
8. I'm a senior citizen and feel like I am being discriminated against because of my age. They have decided after all these years of great credit, I'm a high financial risk. That is ridiculous. 
Any help to restore my credit score would be greatly appreciated.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My credit score dropped by more than 70 points because my mortgage with XXXX XXXX was paid in full. I contacted the mortgage company and they told me that they did not report the account as closed, rather they reported that the loan balance as being paid off. The mortgage company told me that the credit reporting agency reported my account as closed. I filed a complaint with XXXX  to address this issue and nothing was done. My credit score should not be negatively impacted because I paid off my mortgage. If the credit reporting system logic is driven based on the status of the account then this account should not be updated to close or if the requirement is to report it as closed then the scoring logic needs to be modified. I owned my home for 10 years and paid my mortgage on time and managed to pay it off early that should not count against me.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My credit score dropped by more than 70 points because my mortgage with XXXX XXXX was paid in full. I contacted the mortgage company and they told me that they did not report the account as closed, rather they reported that the loan balance as being paid off. The mortgage company told me that the credit reporting agency reported my account as closed. I filed a complaint with XXXX  to address this issue and nothing was done. My credit score should not be negatively impacted because I paid off my mortgage. If the credit reporting system logic is driven based on the status of the account then this account should not be updated to close or if the requirement is to report it as closed then the scoring logic needs to be modified. I owned my home for 10 years and paid my mortgage on time and managed to pay it off early that should not count against me.
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX my debit card with Navy Federal had been restricted for a year ( XX/XX/XXXX ) because of fraud on my account and a unauthorized person using my debit card. On XXXX XXXX the reconsideration that they did was that they were basically going to restrict my debit card access for another year. I had not been able to use my debit card for a whole year and I was looking forward to using my debit card and they restricted it again. All I want is debit card access to my account, thats all Im asking for.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.