davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-09
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. (FL)

This mortgage was transferred from XXXX  XXXX XXXX to XXXX XXXX XXXX. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. XXXX has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.
Consumer complaint received 2023-03-29
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. (IA)

My name is XXXX 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 2024-02-08
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: Experian Information Solutions Inc. (FL)

I am filling a complaint against XXXX XXXX XXXX regarding a payment issue that I encountered on XX/XX/. I believe that the company has not handled the situation appropriately, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this matter.On the aforementioned date, I made a payment to XXXX, and unfortunately, it was rejected by my bank, XXXX XXXX, due to an error. I have attached the rejection letter from XXXX XXXX for your reference. The letter clearly outlines the error that occurred, leading to the rejection of the payment. I immediately contacted XXXX to explain the situation and seek assistance in resolving the matter.
Consumer complaint received 2023-03-29
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: SYNCHRONY FINANCIAL (IL)

I reported a fraudulent Charge on my Amazon Synchrony account in XX/XX/2023. The Customer Service Representative told me it is being investigated and I will not be responsible for the charges, not to worry. I have received two billing statements with the charges and late fees. And they have reported late payments to the Credit Bureaus. I called Synchrony again in late XXXX ( XX/XX/XXXX ) and they told me, again not to worry. Their actions are not matching their statements. In the meantime, I am continually being billed for a fraudulent charge and Synchrony has been reporting negative ratings to credit agencies impacting my credit score. I have subsequently closed my account. However, I am told I am still responsible for the charge until the investigation is complete. It has been more than 60 days.
Consumer complaint received 2018-12-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (PA)

On XX/XX/2018, I received notice of School Taxes due which I submitted immediately to Planet Home Lending. My account activity with them indicates that they paid the {$3400.00} due on XX/XX/2018. I then received notice from the Taxing Authority on XX/XX/2018 that the taxes were not paid. I called Planet Home Lending and the Taxing Authority to try and resolve. After reviewing my account activity on XX/XX/2018, I noticed that it appears the Taxing Authority was paid a second time on XX/XX/2018 for the same amount of {$3400.00}. However, the Taxing Authority states that they were never paid the first time. My escrow account should have been re-credited for the first payment made on XX/XX/2018. Planet Home Lending has refused to reimburse my escrow account for the first payment made which was not received by the Taxing Authority.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (NJ)

on XX/XX/XXXX after CAREFULLY examining my XXXX account descepancy I now encounter an almost {$2000.00} discrepancy in the Negative again apr XXXX XXXX. 
. I personally went to a local branch on XXXX XXXX XXXX XXXX XXXX  Nothing was done on their part to rectify the question as to where is almost {$2000.00}.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I have 3 account with XXXX XXXX XXXX that is not being reported to my equifax or XXXX date They also show as closed but it was paid in full on the XXXX account. Accounts were opened on XX/XX/XXXX amount {$400.00}, XX/XX/XXXX amount {$390.00}, XX/XX/XXXX amount XXXX all with XXXX XXXX XXXX.
Consumer complaint received 2018-12-24
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: International Computer Systems, Inc. (MO)

I HAVE NEVER HAD AN XXXX XXXX ACCOUNT EVER. I HAVE XXXX XXXX. THE ACCOUNT REPORTING DOES NOT BELONG TO ME AND I HAVE NEVER AUTHORIZED ANYONE TO OPEN AN ACCOUNT IN MY NAME. NOR HAVE I EVER LIVED AT THE ADDRESS ATTCHED TO THIS ACCOUNT. I FILED A COMPLAINT WITH ALL 3 CREDIT AGENCIES BACK IN XX/XX/2017. THIS IS THE ONLY CREDIT AGENCY THAT STILL HAS THIS INFORMATION ON MY CREDIT REPORT. THIS HAS A NEGATIVE INPACT ON MY SCORE AND BY LAW SHOULD BE REMOVED BECAUSE ITS NOT MINE. IVE HAD XXXX XXXX FOR OVER 7 YEARS. PLEASE REMOVE THIS ACCOUNT AND THE ADDRESS FROM MY REPORT.
Consumer complaint received 2018-12-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

My wife and I have been attempting to work with Mr Cooper home loans to reinstate a property located INXXXX XXXX Georgia XXXX. We have been flat out lied too after sending in several thousands of dollars in payments and a wire transfer on XX/XX/2018. Now the company claims they need more money and fees to settle the account after telling us that the amount would cover the reinstatement. We have been lied too and mislead by this lender during this horrible process but have attempted to do the right thing in order to save our home. They give us the run around and we will call back, or we are checking with the attorneys office. 

I am at at impasse and we need help to protect us and others from a lender that does not have the best interest of anyone but their bottom line in mind. 

Thank You XXXX & XXXX XXXX
Consumer complaint received 2021-07-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I attempted to dispute a credit card billing charge with the company on XX/XX/2021. The company investigated the claim and required me to attach a receipt or any sales documentation. The dispute was about the charges of a subscription-based vendor. The only receipt given to me was upon the start of the subscription. 

The subscription had a promotional offer new customers " credits ''. Originally, the charge should have been {$7.00}, but the vendor charged me {$47.00}. After contacting the vendor 's representative, I disputed the charge with the company. The amount in dispute is {$39.00}. 

The company replied that I needed " A copy of a sales receipt ( s ) or any documentation you may have that shows you were charged the incorrect amount. '' I have no such documentation because the vendor did not provide any such document at the time of service. I also explained my case to a company representative, who also tried to re-open my claim. The claim was again denied due to a demand of an incorrect amount receipt. 

The company requires a receipt showing the incorrect amount. However, the receipt given by the vendor does not include any credit from promotional offers. The vendor can essentially bait people with promotional offers and avoid consequences from the company. The company would not investigate further without a receipt of an " incorrect amount ''.
Consumer complaint received 2018-12-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

Back in XX/XX/XXXX of this year, I submitted in application for co-signer removal of the student loan. I have provided sufficient documents they wanted and have not heard back from them. I am always on time paying this loan and have been paying for it for the past ten years. All I asked is to remove the co-signers name and called multiple times to American Education Services to see updates. They kept telling we haven't heard from them yet. They submitted my application twice and still no response. Then actual lender is XXXX XXXX XXXX ( XXXX ).
Consumer complaint received 2018-12-24
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. (MO)

I HAVE NEVER HAD AN XXXX ILLINOIS ACCOUNT EVER. I HAVE XXXX MO. THE ACCOUNT REPORTING DOES NOT BELONG TO ME AND I HAVE NEVER AUTHORIZED ANYONE TO OPEN AN ACCOUNT IN MY NAME. NOR HAVE I EVER LIVED AT THE ADDRESS ATTCHED TO THIS ACCOUNT. I FILED A COMPLAINT WITH ALL 3 CREDIT  AGENCIES BACK IN XX/XX/ 2017. THIS IS THE ONLY CREDIT AGENCY THAT STILL HAS THIS INFORMATION ON MY CREDIT REPORT. THIS HAS A NEGATIVE INPACT ON MY SCORE AND BY LAW SHOULD BE REMOVED BECAUSE ITS NOT MINE. IVE HAD XXXX MISSOURI FOR OVER 7 YEARS. PLEASE REMOVE THIS ACCOUNT AND THE ADDRESS FROM MY REPORT.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was the victim of Identity Theft back in 2016. An account was opened under my name, XXXX, and XXXX with XXXX XXXX XXXX I tried to resolve this fraudulent account by submitting an Identity Theft Report with the 3 Credit Bureaus. This account was eventually deleted off my Credit Report, but resurfaced 5 months ago. I have been pushing XXXX  XXXX XXXX to delete this account, but they keep arguing that no account exists under my name, however, they keep reporting an account under my Social Security Number. In addition, they have submitted a letter to me stating in writing, as quoted In addition, we couldnt identify an account in your name ending in XXXX. This account is the account that continues to be reported to my Social Security Number. I have submitted additional information to them, but continue to receive the same response.
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

For the past two years, I have had a credit score of over 780. I had never missed a payment, ever. I have two open credit cards, one is a Cabelas Credit Club Card. I rarely used the card, only using it for emergencies. I have never had a late payment on it. When Capital One took over Cabelas Credit Club Card in early XX/XX/XXXX, they magically found a charge on my card from XX/XX/XXXX that was not paid. It is XX/XX/XXXX, and my credit score was  never impacted by this/this information never existed for two years. However, when Capital One took over, my credit score dropped 100 points to XXXX. I called Capital One, and I paid the balance of {$13.00} and closed the account. I am looking to buy a house and while my credit score is still good, it is not where it once was. It is just frustrating that this charge was " found '' this year. Nothing was done to remedy my credit score.
Consumer complaint received 2021-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (CA)

I filed a dispute regarding the debt to XXXX, XXXX, and XXXX. I submitted the cashed money order as proof of payment and should be removed from my credit report. It was removed and then re-reported. I submitted proof of payment to IQ Data International Inc at the following address XXXX XXXX XXXX XXXX, WA XXXX and IQ Data International XXXX XXXX  XXXX XXXX, WA XXXX which is the collection company that purchased the XXXX account. It has been over 30 days and months of issuing letters and it is still being reported incorrectly on my credit report.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

The recent revelation that Experian may have falsely claimed to verify accounts while harboring inaccurate social security numbers raises serious concerns about the integrity of their verification processes. It is inherently contradictory and fundamentally flawed to assert accuracy in verifying accounts when the foundational information, such as the correct social security number, is incorrect. This situation not only jeopardizes the trust consumers place in credit reporting agencies but also underscores the potential for systemic errors that can have profound consequences for individuals seeking reliable financial information. The need for transparency, accountability, and stringent oversight in credit reporting practices is paramount to ensure the accuracy and fairness of the financial system for all consumers. 
How can you verify an account with the address the name which is also incorrect and the social security number which is incorrect. How can you get a verified account with the wrong information?????
Consumer complaint received 2023-03-29
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. (FL)

Ive noticed unauthorized inquiries and, accounts on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.

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

XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX, Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX, Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX, Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX, Inquiry : 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 co
nsumer 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 t

han 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 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (NM)

Good afternoon. My mother and I refinanced her home with XXXX mortgage in XXXX of XXXX. The purpose of the refinance was to put my name on the loan and take over payments for her so she can free up her income for her retirement, The loan servicer was changed from XXXX to Ameri Home Mortgage in XXXX of XXXX. I received an email from XXXX about this change so on XX/XX/XXXX, I went to the Ameri Home Mortgage website and made XXXX mortgage payment, stored my bank account information, and set up Auto-pay. Under the assumption that XXXX ( second payment ) was on auto draft. I checked my credit on XXXX website a few days ago and there was a late payment notice by Ameri Home Mortgage that dropped my score by XXXX points. XXXX score from XXXX to XXXX!! It was clear that an auto draft was never made for XXXX. I was puzzled that there was no attempt to alert me via phone, email, or paper mail about a late XXXX payment. Immediately, I went online and submitted payments for XXXX, XXXX, and XXXX XXXX payments. I promptly called Ameri home Mortgage and spoke to a mortgage representative who could not help with the audit trail of the Autopay set up I did in XXXX of XXXX, but she did say there is a 90-day grace period when loans change servicers. She transferred me to Customer Service Department who she thought would be better suited to help with my Credit Bureau reporting dispute. I reiterated the entire scenario but was then put on hold and cut off. This credit impact during the transition stages of a new loan and change of mortgage servicing agent can affect my credit lines for my business.
Consumer complaint received 2023-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

I usually purchase and sell stocks with the Robinhood online investment company. In early XX/XX/2023, while I had {$16000.00} in cash available, I wanted to buy about {$4000.00} worth of shares of XXXX. The reply from Robinhood was that I did not have enough buying power, which was false. That forced me to make two separate deposits of {$4000.00} and {$2000.00} on that same day. Even then I could not buy the XXXX stock because Robinhood insisted I did not have enough buying power. Few days after, all my cash, {$22000.00}, disappeared from my account and all my existing stocks were sold without my permission or knowledge. Worse, a XXXX account under my name was created by someone else. 
Robinhood is not answering any of questions, except in general terms. They said there was no problem on their end. 
The XXXX  created by someone else, but under my name has a deficit of {$6000.00}.
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NC)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2024-02-08
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: Experian Information Solutions Inc. (MI)

Experian, Experian XXXX, and XXXX continue to report an alleged eviction and charge off from XXXX XXXX XXXX XXXX which caused me to be denied credit which is my right. These damages caused me housing and furthermore neither company has my consent to report anything about me. XXXX will not respond to my disputes written or in this CFPB portal. It is against the law to release my information without my written consent furthermore you're trespassing upon copyrighted and trademarked property. XXXX states they are sold information from Experian and that is who verified the information but I have received no proof from either that they have submitted for me to validate this debt. Experian, Experian XXXX, and XXXX is selling my information therefore you need my permission as it is my proprty and I have given no such consent written or verbal. I did not sign up for your companies to report anything about me.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX, I applied for an increase of credit limit with American Express, for my Amex Everyday Credit Card. On XX/XX/XXXX, my request was denied. I have had an account with American Express since XXXX, and have never received an credit limit increase, after request were made.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

I am having issues with my membership account which is necessary to have before I can purchase reports and scores and check to see if my minor has a credit report on file. However It appears no matter which phone number listed I call, there is never an option to speak with customer service, the entire service is automated and can not resolve the issue on hand. 

Number Called XXXX, XXXX, XXXX, XXXX, All these number when answered with the exact same automatic services, at no time there was any option to speak with a real customer services.