davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
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. (MS)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2019-05-24
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. (CA)

I am writing to dispute a fraudulent charge on my account of {$2000.00}, {$5000.00}, {$9000.00}, {$7500.00}, {$4500.00}, {$17000.00}, {$4100.00}, {$590.00}, {$3000.00}, {$2000.00}, {$15000.00}, {$860.00}, {$3300.00}, {$7600.00}, {$4400.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4100.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$590.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


- COLLECTIONS - 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$860.00} -This is not my account. 

13. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3300.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7600.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2022 there was an unauthorized charge at XXXX for {$1800.00} I didnt notice this until a month later, I filed dispute for that charge and received a letter saying this charge was authorized, chase Is saying It Is authorized because It Is in the same city I just moved to. I was not living in the downtown XXXX area when this unauthorized charge occurred. Chase refuses to allow me refund for this after repeatedly telling them It was not me. There Is nothing in XXXX that costs {$1800.00} I have explained numerous times this Is not me please fix this issue and have chase explain investigation procedure.
Consumer complaint received 2022-02-05
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: Experian Information Solutions Inc. (MD)

On XX/XX/2021 I sent in a letter regarding inaccurate and incomplete items that are illegally being furnished on my consumer report and still have yet to receive any response from the person allowing these errors. Clearly my disputes are being ignored and not only is that unacceptable but Ive been studying consumer law and these actions are prohibited! One of the federal laws clearly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my consumer report. Plus, there is another federal law they broke that says if these consumer reporting agencies dont have written instructions given by me theyre not suppose to report it anyway. Without my written instructions it is by law supposed to be excluded, which is grounds for deletion because that makes it incomplete not to mention these accounts are in fact inaccurate and I've proven that in my letter. There has been more than enough time to resolve my disputes so they should be deleted promptly immediately and indefinitely.
Consumer complaint received 2021-03-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (FL)

An agency tried to contact us claiming that a lawsuit was attempted to be filed against me. They claimed that they could not locate me when I have been living at the address for 20 years. I contacted the company who has paperwork with Santander XXXX XXXX and stated that it was for a car, XXXX XXXX XXXX that was repossessed in XXXX. They put it on me and my daughter 's credit report, and when my daughter filed bankruptcy in XXXX it was removed. Now due to the statute of limitations, they are starting to harass me and my daughter claiming documents were sent to my home to mediate and resolve the matter. I told them I have no documents as such, and that what they are doing is illegal when my daughter has filed bankruptcy ( Chapter XXXX ). I asked for them to resend it, but they hung up on me.
Consumer complaint received 2022-02-05
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: EQUIFAX, INC. (MD)

On XX/XX/2021 I sent in a letter regarding inaccurate and incomplete items that are illegally being furnished on my consumer report and still have yet to receive any response from the person allowing these errors. Clearly my disputes are being ignored and not only is that unacceptable but Ive been studying consumer law and these actions are prohibited! One of the federal laws clearly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my consumer report. Plus, there is another federal law they broke that says if these consumer reporting agencies dont have written instructions given by me theyre not suppose to report it anyway. Without my written instructions it is by law supposed to be excluded, which is grounds for deletion because that makes it incomplete not to mention these accounts are in fact inaccurate and I've proven that in my letter. There has been more than enough time to resolve my disputes so they should be deleted promptly immediately and indefinitely.
Consumer complaint received 2022-02-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

we struggled working with Ocwen and now PHH we finally got a loan mod approved ; we made our trial payments of {$2500.00} per month. 
once we received the final loan mod ; both of us were sick with covid so returning the final loan XXXX was late. 
Now we have a foreclosure posted on our door ; PHH says we have to start over ; now they keep our money and want to start foreclosure
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (VA)

I held account number XXXX with BB & T / Truist for several years and typically maintained a balance of several hundred dollars. In or about XX/XX/XXXX, I discovered that the bank had been charging me a monthly account maintenance fee of {$30.00} for several months beginning in or about XX/XX/XXXX. I contacted the bank to inquiry about the charge, they did not provide any specific information about the fee. I asked for the charges to be refunded, and the representative agreed to credit me back for two months of the charges ( {$60.00} ), but said that needed to physically visit the bank branch to have the remaining two months of charges ( another {$60.00} ) refunded. 

In or about XX/XX/XXXX, I visited the BB & T branch located at XXXX XXXX XXXX, XXXX XXXX VA to request that the remaining charges be refunded. I met with XXXX XXXX ( XXXX, XXXX ), who informed me that the bank would not refund any additional charges. As a result, I withdrew the remaining balance from my account ( leaving the account with a {$0.00} balance ) and requested that the account be closed. XXXX XXXX stated that she could not close the account at that moment due to some computer / system problem, but that she would speak to the branch manager to close the account. Based on this conversation, my understanding was that the account would be closed with a zero balance and no fees without my needing to take any further action. 

I subsequently received correspondence dated XX/XX/XXXX from Truist ( attached ) stating that my account has been closed due to an overdrawn balance, including a {$30.00} charge-off fee. They are demanding that I pay {$79.00}, and I have no idea of the basis for that figure. My position is that Truist in fact still owes me {$60.00} from the wrongfully assessed and excessive fees charged to my account during two months in XXXX. 

I appreciate your assistance in helping me recover the {$60.00} in fees, which I firmly believe falls under the category of a " junk fee '', and ending Truists attempted wongful collection of {$79.00} from me. Please feel free to contact me with any questions or if you require any additional information.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (TN)

My credit report is showing me late 4 times ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have not been late ever. I pay my full mortgage each month by sending in bi-monthly payments. Mr. Cooper has acknowledged this and keeps saying that they will correct it with the credit bureaus. However, it remains incorrect with the credit bureaus. I have filed several disputes with the credit bureaus. Each time the disputes are closed it says the information is updated but it remains the same. 
I have been trying to refinance each month since XXXX. Each time the process comes to a halt because Mr. Cooper still shows me late on 4 payments. Even though the reps can see that I have not been late they tell me that there is nothing that they can do and that I should try again next month. This is completely unacceptable. I could have possibly missed some of the best interest rates for refinancing due to bad customer service from Mr. Cooper. Although I have been trying to refinance with them this makes me want to refinance with a different company once this is resolved.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (NY)

I have a credit card for The Childrens Place  and that is three Comenity Bank. Ive had this account for several years and over the years this bank is constantly raising and lowering the credit limit. I always pay my bill and every few months pay it off in full. About a month ago I paid it in full ( roughly 1200.00 ) and they lowered my credit limit. About a week after paying it off they raised the credit limit to {$1100.00}. Yesterday I received an email that they lowered my credit limit again to {$740.00} and then today I received a letter my credit limit is {$1100.00} but the bank is saying its only {$750.00}. I am so utterly confused by what this bank is doing to my account. My credit score is over 650, I only utilize 10 % of my credit balances and I was just approved for a major credit card last week. I really do not want to close this account because they have a decent reward program but the games they play are unreal.
Consumer complaint received 2018-08-25
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. (NC)

on XX/XX/XXXX I advised the rep thru online chat I needed to file a dispute. It was from XXXX XXXX. He said he filed the dispute and gave me Ref # XXXX. I went online today and was going to payment another payment on my account and seen the balance was still the same. I spoke to XXXX  thru online chat and he said a dispute was never done. gave him the ref # that I was given and he said it would not start like that. He pulled the charge up and said I would need to call the security team. The late payment saying I was 30 days late also needs to be removed from the credit bureaus since XXXX never mailed me my statements. I have sent them a copy of the online chat from the XXXX saying it would be removed. I was told from that person and was also told from XXXX which is a supervisor saying it would be removed that it was a banking error. I'm sorry that I even took there credit card. Once this is done I will NEVER do business with XXXX  AGAIN. When you call this company and speak to different people you get different answers to your questions.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Grain Technology, Inc. (TX)

I sent Grain a recession letter, rescinding and cancelling the transaction on XX/XX/XXXX. They received this letter on XX/XX/XXXX via certified. After receiving this letter, Grain pushed me out of the app and attempted to make me resign the agreement and verify my identity. Proving that the transaction was cancelled. They never responded to my letter. After they received the recession letter, I sent an affidavit of truth and a consumer enforcement action letter on XXXX XXXX. They never responded to either of my letters that they received on XX/XX/XXXX. In the XXXX 's of law, any unrebutted affidavit stands as truth in commerce. After they received the affidavit of truth and consumer enforcement action, the app page changed again. Grain pushed me out of the app which has prevented me from making payments. Now they are reporting late payments which is unfair because they pushed me out of the app after my recession letter. Late payments are illegal under any " open ended credit play '' pursuant to XXXX XXXX XXXX. I decided to send another cease and desist on XX/XX/XXXX. They recieved this letter XX/XX/XXXX. I've sent Grain multiple letters that they have failed to respond to. I haven't been able to get into the app to make a payment since XXXX. I've allowed Grain applicable time to respond to my documents. Grain is participating in unfair debt collection practices and truth in lending violations.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I placed an order on Friday, XX/XX/2021 with XXXX. I received the order on Sunday, XX/XX/2021. On Monday, XX/XX/2021, the " XXXX XXXX XXXX XXXX XXXX '' that didn't meet my needs and wasn't what I expected, I made my mind up to return it. I logged into my XXXX account online to start a return. This is NOT the first time I have returned something to XXXX so I was very familiar with the steps. As I get to the last step, where it ask, " how would I like to return my purchase '', I checked the box for XXXX drop off. It refreshed and gave me an error message, stating to call this number XXXX and speak to a representative. I called the number but, it was one of the worst calls with trying to get directed to the correct representative. I finally got connected to a representative name XXXX. XXXX made it seem as though he was taking care of the return and that I should see a shipping label to my email address on file within 24 hours or more. I thanked him and ended the call. Something didn't feel right, I don't know why. On Tuesday, XX/XX/2021, I went to the XXXX website to see if there was another way to communicate with a representative and, there was, live chat. I was connected with a sweet, kind and very professional representative named, XXXX. I asked XXXX, if they could tell me about the return that I had started the night before by XXXX. XXXX asked for the order number, email address on the account and my billing zip code. I gave XXXX everything that was requested but, that's when I was told, that XXXX had not submitted a return for my order. I was not happy and very displeased with the service I had received in the last 24 hours. XXXX was very apologetic and was willing to make a bad situation better. After doing some steps on there end, I was reassured that the return was processed and that the shipping label would be sent to my email address with a 24 hour wait. So, I gave it all day Wednesday, XX/XX/2021 and nothing. Half of Thursday, XX/XX/XXXX, is done and still no shipping label. This is on my Walmart credit card and I don't like purchases sitting/idling on my bank card or credit card. I like to get the merchandise back to the company, where it's safe and sound and so it drops from my bill. I'm not happy and I'm using this word cautiously. This item is shipped from XXXX and NOT a vendor. I can see if this was a vendor that I had to wait for an approval, but it's not. This is absolutely absurd that I can not get a label to return this item. This should not be this hard. Even if the shipping label wasn't sent yet, I could get some form of confirmation to my email account stating that the return is in progress, you do not even get that. What is going on at XXXX and why can't I ship an item back to them for a refund? This is absurd and not the type of service I expected from XXXX, of all places.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has not corrected the incorrect mortgage payments with XXXX XXXX. I was never late or missed any payments From XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX Sold the loan in XX/XX/XXXX while still collecting my Monthly loan payments. Then filed foreclosure after the mortgage loan was sold by XXXX XXXX. XXXX XXXX never informed me that the loan was sold in XX/XX/XXXX. Then XXXX XXXX filed foreclosure while still collecting my on-time Payments. Then XXXX XXXX Dismissed the foreclosure after it was revealed that XXXX XXXX Committed fraud regarding servicing and Payment History. Which I supplied all the relevant documents regarding my claims as facts to Transunion. XXXX XXXX Filled wrongful foreclosures on me in XXXX and XXXX and dismissed them both. I want Transunion to remove all the incorrect missed payment with XXXX XXXX in my Credit Report from XX/XX/XXXX to XX/XX/XXXX. I do not have 20 missed payments with XXXX XXXX XXXX.
Consumer complaint received 2021-07-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (TN)

It has been brought to my attention that my rights have been violated with this company in the past. I have been violated under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth In Lending Act ( TILA ), I made payment towards this debt when in fact I did not owe. I am the original creditor. XXXX XXXX XXXX XXXX ( XXXX ) is not the original creditor. XXXX is a debt collector pursuant to 15 U.S.C. 1692a ( 6 ), any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ). Nor is XXXX the creditor under the FDCPA pursuant to 15 U.S.C. 1692a ( 4 ), such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. XXXX received this debt as an assignment through Santander when I created the debt. See EXHBIT B p. 3. A credit sale occurred when XXXX purchased this debt from Santander. I am the creditor pursuant to 15 U.S.C. 1692a ( 4 ), any person who offers or extends credit creating a debt or to whom a debt is owed ( emphasis added ). 

XXXX furnished me with a deceptive form. XXXX misrepresented the character of the consumer credit transaction as a loan and they were providing me value when in fact I signed a credit application. I did not apply for a loan. I extended my credit and the finance charge funded the consumer credit transaction which comes from my open end credit plan. My name has since changed I will attach a copy of the court order for my legal name change,