davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-31
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. (CA)

I received a call from a telemarketer from XXXX XXXX by a lady named XXXX. XXXX. The lady had me record a statement that I did not want to provide my SSN. She assured me that a credit application would be based on my business income and not my personal information or credit. An inquiry would not be made without my consent. She asked me for my business Ein, address and income and date of birth. She somehow pulled my credit, said my application was denied and hung up. I have been unable to call her back. She straight lied to me. Now I have a hard inquiry denial for credit with XXXX and probably the other Two bureaus. Can XXXX XXXX telemarketers just lie to us with immunity and without recourse?
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

A tax lien from the state of Georgia was reported on XXXX/XXXX/XXXX for the amount of {$1200.00}. I made payment arrangements with them and it was released XXXX/XXXX/XXXX. According to the credit reporting agencies the lien should have fallen off 7 years from the original report date ( XXXX/XXXX/XXXX ). It has not come off of my credit report. I have tried to dispute it with the credit agencies and was told to speak to the state of Georgia. I spoke with them and they told me to speak with the credit reporting agencies. It has run it 's course and I would like for it to be removed from my credit report with all three agencies please.
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you thatthere is no third party involved in the process. I sent letters to Experian Credit Bureau thedate of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2018-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (PA)

I have written to and called both Barclaycard and XXXX many times over the past few years. I bought one laptop from XXXX in XX/XX/XXXX and they charged me for two. The first time I called, I spoke with Barclay and they claimed to have fixed the problem. Then the second laptop which I did not purchase was added back onto my statement in XX/XX/XXXX, and Barclay said XXXX claimed that it was a valid purchase. 

I have called, written, and faxed both XXXX and Barclay multiple times and no one has solved the issue. I am paying an additional $ XXXX and interest on a second laptop which I have no purchased and I am no longer making payments. I made all of the payments I owed to the company to this point and if I were charged the correct amount, my payments would be finished by now. This is why I no longer make payments to Barclay. I have paid my dues and I will not pay more. 

That being said, I have attached all the communications which I have sent to the companies and all the necessary details are included in the documents. I have done all the steps I have been instructed to do and have provided plenty of time to resolve this issue -- far more than needed. I do not want my credit report to reflect negatively on me because of an issue that has not been resolved. The last communication I sent was on XX/XX/XXXX and I have received no follow up to date. I sent two faxes and seven hard copies to various departments of Barclaycard. 

I am extremely disappointed with both companies and I strongly suggest never using the service or purchasing from them because they will not solve your dispute.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A tax lien from the state of Georgia was reported on XXXX/XXXX/XXXX for the amount of {$1200.00}. I made payment arrangements with them and it was released XXXX/XXXX/XXXX. According to the credit reporting agencies the lien should have fallen off 7 years from the original report date ( XXXX/XXXX/XXXX ). It has not come off of my credit report. I have tried to dispute it with the credit agencies and was told to speak to the state of Georgia. I spoke with them and they told me to speak with the credit reporting agencies. It has run it 's course and I would like for it to be removed from my credit report with all three agencies please.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

On XX/XX/2022, I received a Credit Alert from XXXX XXXX indicating that my Select Portfolio Servicing ( SPS ) Account Balance ( for my first mortgage ) increased to {$190000.00}. 

For the month of XX/XX/2022 my current Principle Balance for my SPS Mortgage is {$190000.00}, which is {$4800.00} less than what SPS has inaccurately reported to the Credit Bureaus. 

On XX/XX/2022, my Credit Score decreased by XXXX  points. 

I am respectfully requesting for SPS to accurately and expeditiously report my Principle Balance of {$190000.00} to all XXXX XXXX XXXX ; XXXX, XXXX, and XXXX so my SPS Principle Balance, Credit File and Credit Score are accurately updated and corrected in all of my Credit Reports.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I notified my bank and have had a case closed twice. Ive asked for it to be reopened again. I can not understand with all the proofs Ive sent them why they are not taking this matter seriously and refunding my money. I purchased three items from XXXX XXXXXXXX XXXX  XXXX XXXX  on XXXX XXXX of 2021. Two transactions through XXXX for {$5400.00} and {$5400.00}. XXXX never sent a receipt. Theses were ordered over the phone. He is in XXXX I sent a copy of an email from XXXX stating I have no receipt. The one purchase was for a jacket that was sold ILLEGALLY as per federal law it must have country of origin in it, which it does not. I sent pics of the tags that say only leather and how to clean. As to the skirt and dress it is a case of grand larceny as I never got them. The dress was {$3300.00} and the skirt was {$1800.00} with tax and shipping on top of that. I have filed a police report in this matter with my local police department. I have also hired an attorney in XXXX I can not believe in such a case of breaking laws my bank will not do anything to help me in this matter. Other than not having a receipt I have proofs pictures texts emails, voice messages. Huntington Bank
Consumer complaint received 2022-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (TX)

In accordance with the Fair Credit Reporting act SENTRY CREDIT INC XXXX {$1300.00} - - - View Changes Account Information Address XXXX XXXX XXXX XXXX, WA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$1300.00} Original Creditor XXXX XXXX  XXXX XXXX Past XXXX {$0.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX I woke up with an alert on XXXX stating that for the month of XX/XX/XXXX my account was delinquent for the month of XXXX in a result my credit score dropped XXXX  points. I check to see which account was reporting that information and it said American Express, I tried calling and speaking to a representative to get a letter stating that they did receive a payment on XX/XX/XXXX in which I have proof it was deducted from my bank account for the amount of {$640.00}. I then spent an hour and 15 minutes on the phone with AMEX playing phone tag between the credit bureau and customer service department nobody could get me a letter showing that for the month of XXXX my account was paid.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I XXXX XXXX has Incorrect personal Information is showing on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 

Remove Names XXXX XXXX, XXXX XXXX XXXX XXXX Remove Names And addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX It has been over 30 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies
Consumer complaint received 2022-02-24
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
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: WELLS FARGO & COMPANY (CA)

XXXX accusing Wells Fargo Atm Specialists in the case of XXXX XXXX XXXX XXXX of fraud and transphobia in the Atm department at the Wells Fargo XXXX XXXX XXXX Ca XXXX 
The atm XXXX told med told me I had won the case and I spent the money. No staff explained to me, to save the money just in case, the case doesn't go in your favor. 
I believe XXXX XXXX are a fraudulent online business, and they work out of XXXX XXXX XXXX and you can not call or get a hold of anyone except online via email. XXXX reporting this business to the FBI Fraud unit and Wells Fargo XXXX XXXX XXXX as well. For not making it clear on my case and because of your lack of good communication. XXXX out of my ssi check for the month and have no way to pay mortgage food, utilities and pay bills. Wells Fargo bank and staff have put me in a compromising and hardship position. And my credit possibly affected. Wells Fargo bank didn't not take care of me as a customer. XXXX in a precarious situation because of their lack of communication and transphobia. I don't know how many times I have said i go by he him and his and my name is XXXX. I get dismissed or blamed on the phone line. 
In one day, XXXX in the negative approx. {$2400.00}. from a credit reversal that no one said anything to me about. This decision is based on no evidence of manuscript, and I thought I had won, and I didn't get a chance to show my emails evidence, all gone and the XXXX has all the control and emails. I thought I had won by a letter from Wells Fargo sent me in the mail, putting back the money and fought for me and I had won and deleted the account and 3 months later get hit with a negative balance that affects my lively hood. Financially Wells Fargo actions, put me in the 6 feet underground. I don't have an account with XXXX. They have all my pictures, notes and work. They broke the contract by talking to you. And did they show you the email the collaborator writer said she would give back the {$1500.00} she didn't do the work. I wanted to discuss the {$980.00} I didn't believe the collaborator did about {$500.00} worth of work. Not professional writing and a huge disappointment. I was on a time payment schedule to make timely payments and the 2nd payment isn't ok for the changemakers to have. This is stealing. That is my money. For work that wasn't done. I talked with the writer after the money was sent on the agree contract. I have called the FBI and another business organization that will investigate this matter with XXXX XXXX and Wells Fargo in XXXX  Ca. The company has everything. They have the control. This is a Fraudulent business. I need help proving this. Thank you.
Consumer complaint received 2022-08-29
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. (AZ)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I XXXX XXXX has Incorrect personal XXXX is showing on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am XXXX that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 

Remove Names XXXX XXXX, XXXX XXXX XXXX XXXX Remove Names And addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX It has been over 30 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies
Consumer complaint received 2022-04-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

In XX/XX/2020 my husband died of XXXX and I was named as the successor for the house. I have tried for almost two years to work out a loan modification with Mr. Cooper Mortgage. I have been treated very unfairly in this whole process, meanwhile my default payment is nearly 30,000 and the system will not allow me make payments and my modication has been denied for no ownership interest. 

That is untrue, I am the surviving spouse and living in the house. I am very afraid of losing my home even though this is an FHA backed loan, the bank has still not complied with the law which affords me the right to modifcation. 

Please help me in this matter. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-29
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. (AL)

I have been disputing these inaccurate accounts off my credit for the past 3 months. I need them gone so i can close on my house.
Consumer complaint received 2022-08-29
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. (PA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

This account has been on my credit for over 10 years now. I have asked the to update the amount because it has been paid down. They keep saying this information is valid and current when it not. Plus this date is pass the status of limitations for reporting.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

My complaint is about four fraudulent activities which have occurred the day after my application for an Amazon/Chase Credit Card XXXX 

On XX/XX/2022, I applied for an Amazon Credit card and I lift the freeze on my credit report on XXXX on XX/XX/2022. 
On XX/XX/XXXX, I called the phone number on the letter from Chase. The Chase employee checked my credit and my application was accepted. 
The day after, there was 4 fraudulent paiements on our checking account ( in an other bank ) for a total of {$14000.00} I called Chase Fraud Department at XXXX. I spent more than an hour with Chase employees calling XXXX, Missouri, XXXX, Texas, XXXX again and I could not report this fraud because it is not a fraud on a Chase Credit Card or a Chase checking account. 
Obviously, the fraudulent activities were made possible because my credit report was thawed and according to XXXX and my other credit monitoring services only JPMorganChase opened my credit report. 

Following are all the details, day by day. 

XXXX, I applied for an Amazon Credit card XXXX, I received the letter from Chase with the phone number to call after lifting my XXXX XXXX XXXX, XX/XX/2022 : I lift the freeze on XXXX. 

-Monday XX/XX/2022, about XXXXXXXX XXXX Pacific Time, I called the phone number on the letter from Chase. The Chase employee checked my credit and my application was accepted. ( Unfortunately, I shredded the letter from Chase since my application was accepted ) -Monday XX/XX/2022, in the afternoon, I freeze the credit report on XXXX XXXX XX/XX/2022 : there are 4 fraudulent paiements on our checking account : XXXX XXXX remittance XXXX XXXX : {$5900.00} -Discover E Payment XXXX XXXX : {$1900.00} XXXXDiscover E Payment XXXX XXXX : {$1100.00} XXXX XXXX : {$4800.00} The total of the four ( 4 ) fraudulent transactions is {$14000.00} XXXX : I called Chase Fraud Department at XXXX. I spent more than an hour calling XXXX, Missouri, XXXX, Texas, XXXX again and I could not report this fraud because it is not a fraud on a Chase Credit Card or a Chase checking account. 

XX/XX/2022 : I cancelled my credit card on the phone, at XXXX XXXX XXXX. 

I believe it should be easy for Chase Bank to find out who is responsable for these four ( 4 ) fraudulent transactions for a total of {$14000.00} My bank refunded the money since it was fraudulent but I am making this complaint because I want these people to stop doing this. 
I sent 3 letters to Chase : JPMorgan Chase Bank Corporate Headquarters : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Chase Bank XXXX XXXX XXXX, XXXX XXXX, CA XXXX Chase Bank card member service XXXX XXXX XXXXXXXX XXXX XXXX Il XXXX I sent 3 emails : XXXX XXXX XXXX I called Amazon customer service : XXXX XXXX XXXX I am at your disposal should you require any clarification.