davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against TransUnion 's Noncompliance with Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for their willful noncompliance with the Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) regarding the blocking of adverse items in my credit report that are the result of XXXX XXXX. I am a XXXXXXXX XXXX survivor and have submitted all required documentation to TransUnion, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on XXXX separate occasions, TransUnion has refused to block the items in my credit report that are directly linked to XXXX XXXX TransUnion has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of XXXX XXXX. I urge the Consumer Financial Protection Bureau to investigate TransUnion 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel TransUnion to block the adverse items in my credit report that are the result of XXXX XXXX, in accordance with the XXXX XXXX. I kindly request that this case not be closed until TransUnion has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXX XXXX XXXXXXXX
Consumer complaint received 2019-10-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NC)

I have notified Ally Financial as of XX/XX/19 in regards to changing my payment date from the XXXX of each month to the XXXX of each month instead. I was advised by the representative that my original date was for the XXXX of each month. I explained to the representative why will I change my date from the XXXX to the XXXX it just dont make any sense. However changing my date to the end of the month is much convenient for me and to keep my car payment on track. I have asked to speak with a supervisor to rectify the problem and I was connected to another representative. Ally financial has very poor customer service and they are not willing to help their customers. I really need this problem to be rectified and to be handled in the appropriate manner.
Consumer complaint received 2019-10-18
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: JPMORGAN CHASE & CO. (GA)

Hi CFPB, I am writing to dispute a transaction of XXXX USD posted by XXXX-XXXX XXXX. This transaction was originally charged on my Chase XXXX credit card account ( ending in XXXX ) on XX/XX/2019. 

This transaction is associated with a rental car service that I booked through XXXX on XX/XX/2019 for my parents vacation in XXXX. The rental car was booked for XXXX USD ( XXXX ISK ) including taxes and fees. However, the staffs asked for the credit card ( my parents and I share the same credit account ) and charged a XXXX USD ( XXXX ISK ) premium CDW ( see receipt on page 3 ) without my parents permission. Because CDW is not mandatory for rental car in XXXX and my XXXX credit card does cover CDW, my parents refused to sign the receipt and requested for a full refund. 

This rental car reservation is a refundable reservation. My parents and I can cancel the reservation at any time before pick-up. XXXX agreed that they would refund the full amount of charge ( XXXX USD ) to my credit card in four business days ; however, they failed to keep their promise. I have been contacting both XXXX and XXXX since XX/XX/2019 to try to resolve this issue, but unfortunately, no progress has been made. 

Initially, I filed a fraud case on this charge with Chase in XXXX. Nevertheless, Chase rejected my claim in XXXX and asked me to file it as a dispute case. I have been providing all required document in a timely manner and following up with Chase since XXXX but the bank failed to solve the problem. Today, when I called Chase once again, they told me they were not able to process any refund after the transaction is posted after two months. 

Thanks for your help!
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During the pat years my bank has changed so many times and every month and I did make a payments in time but for some reason it shows the late payments for few months. 
It shows late payments only from XXXX
Consumer complaint received 2017-06-03
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 — Their investigation did not fix an error on your report
Company: Credit Protection Association, L.P. (CA)

XXXX   XXXX  charged and sent me to collections over equiptment that was returned. The employee assured me my credit would be updated and after several attempts it still remains. I even paid the bill in effort to get this taken off.
Consumer complaint received 2019-08-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Traded leased vehicle onXX/XX/XXXX vehicle. Dealer sent check to XXXX XXXX to purchase leased vehicle. XXXX XXXX lost 1st check. Dealer sent 2nd check inXX/XX/XXXX and  XXXX XXXX posted check to XX/XX/XXXXvehicle instead of XX/XX/XXXXleased vehicle. In XX/XX/XXXX I  received another late notice and contacted XXXX XXXX. Assured me everything was cleared up. Received another late notice XX/XX/XXXX and contacted XXXX where after much investigation on their part found the check applied to wrong account. By then I was reported to Credit Bureau as 90 days late in payments which in fact I had not owned vehicle since XX/XX/XXXX! XXXX told me they couldn't change credit reporting until XX/XX/XXXX at the earliest, in the meantime my credit rating had dropped terribly. Transunion stated I was still liable for vehicle inspite of the fact I had traded vehicle in on new vehicle! I have filed dispute with the other 2 credit reporting agencies.
Consumer complaint received 2019-10-18
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. (VA)

Hi my name is XXXX XXXX and I went through Experian to dispute my XXXX XXXX bill witch is {$1400.00} past due. But I explained that I called XXXX and they had no information of my past due balance and the reason why I have that is because my sister was on my plan and when I went into bootcamp she got here phone shut off twice and racked that bill up so I feel like I shouldn't have this on my credit report but Experian didnt take it off and did nothing to it once I disputed it with them. All I want is it to be off of my credit report please.
Consumer complaint received 2018-09-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LCO Financial Services, LLC (FL)

I borrowed {$950.00}. It was to be paid back on paydays through XX/XX/2018. They are still taking out money from my bank account and say they will continue through XXXX. I have already paid back almost {$2000.00}. I'm going to my bank to stop them from withdrawing any more funds. I don't want this to go against my credit. They should be stopped from charging interest such as this and misrepresenting repayment terms>
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (TX)

A company with a caller ID " Credence Rsrc '' has been calling my phone multiple times daily for the last month and I normally reject the call because of my multiple spam calls. Today I answered the phone and asked them why they keep calling me. The rep said some man 's name and/or his wife. I told the rep I don't know the man and I am single and have NO OUTSTANDING DEBTS and to quit calling me.
Consumer complaint received 2019-10-18
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. (TX)

There is a mortgage that is reporting with XXXX XXXX XXXX that has been closed for over 10 years. For some reason it continues to report and reports as opened. This is not an active account. It's been disputed several times and it still is not resolved.
Consumer complaint received 2019-10-18
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: PENTAGON FEDERAL CREDIT UNION (FL)

A LOAN WAS OPENED IN MY NAME AROUND XX/XX/2019 FOR {$20000.00}. 

ACCOUNT NUMBER XXXX I FIRST OUT ABOUT THE FRAUD AROUND XX/XX/2019 AND PROCEEDED TO FILE A REPORT WITH THE FTC FOR IDENTITY THEFT. 

I MAILED A DISPUTE LETTER TO PENTAGON FEDERAL ON XX/XX/XXXX REQUESTING TO CLOSE THE UNAUTHORIZED ACCOUNT AND TO TAKE STEPS TO REMOVE THIS ACCOUNT FROM MY CREDIT FILE. I PROVIDED A COPY OF THE IDENTITY THEFT REPORT, PROOF OF IDENTITY AND A NOTICE TO FURNISHERS OF INFORMATION. 

THIS WAS SENT BY CERTIFIED MAIL, TRACKING NUMBER XXXX AND RECEIVED XX/XX/2019. TO DATE THERE HAS BEEN NO RESPONSE FROM PENTAGON FEDERAL.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aqua Finance, Inc. (DC)

I opened the account for new doors through XXXX XXXX XXXX who secured the loan for the doors. I began paying on the loan monthly and scheduled via automatic Payments from my XXXX XXXX XXXX Account and I never missed a payment. My experian credit report shows my Aqua Finance Account is delinquent past 30+ days which is incorrect reporting on my credit report. I reached out to Aqua Finance and they said my account was in Good Standing and no delinquent Payments were on my account with Aqua Finance.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

This was not sent in error i am a consumer by law and my information is miss used and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.
Consumer complaint received 2017-06-03
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: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.
Consumer complaint received 2019-10-18
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. (NJ)

XX/XX/2019 : Balance paid-in-full. 
XX/XX/2019 : In Great Standing XX/XX/2019 : XXXX balance XX/XX/2019 the account showing balance of {$570.00} XXXX : XXXX XXXX XXXX XXXX need to update my credit report to show XXXX balance = XXXX ; paid in full ; in good standing. Never late.
Consumer complaint received 2022-09-26
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( 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 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (TX)

Comenity Credit Card and its Credit Bureau Disputes Dept. closed both of the credit card accounts listed below and sold them to XXXX XXXX XXXX XXXX. 

XXXX XXXXXXXX credit card closed by Comenity on XX/XX/XXXX. 

XXXX XXXX credit card closed by Comenity on XX/XX/XXXX. 

XXXX has removed both accounts from the credit report under the " Collections " section but Comenity still shows this account as delinquent under the " closed account " section of my credit report.

I called Comenity regarding the concern and I was told that they were unable to provide any information on these closed credit card accounts as it pertains to them being removed from my credit report, although they removed the XXXX XXXX XXXX account which was in dispute. 

I advised that all credit card accounts listed needs to be removed as they're still looking like outstanding items on my credit report.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Farrell Holdings, LLC (TX)

There was an account with Prime Acceptance corp that I stated I was not the joint signer on. It was fraudulent. After email the account manager or rep the supervisor agreed to remove these accounts from all of my credit reports, which they did and I still have the email correspondence from this. Now they have sold the account and this has been illegally reinserted on my credit reports.
Consumer complaint received 2019-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

I received a statement from Pay Pal Credit last month ( XX/XX/XXXX) telling me that my account was past due. I do not have/have never had an account with this company and I most certainly have not made any debts with the company. At that time I tried to contact the company, but the first thing that they asked for was my social security number. That convinced me that this was a scam. I could not make human contact, only recordings. I have received a statement ( this month which is XX/XX/XXXX ) with an account summary which gives a previous balance of {$1300.00} ; zero payments & credits ; $ XXXX fees ; interest- {$9.00} ; new balance- {$1400.00}. On the payment information side- New balance {$1400.00} ; amount past due ( in red ) {$73.00} ; minimum payment due- {$130.00} ; date due XX/XX/19 ; amount to avoid standard and deferred interest on your next statement {$470.00}. I had not heard of this company until last month. There is nothing in either letter that says what I have purchased and the cost of the item. It just gives an arbitrary amount that I owe and should pay. This is not the way that legitimate companies operate. I have not purchased, or borrowed anything/amount from this company. I am not the only person with my name in GA.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (NC)

This is my SEVERAL endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXe : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

XX/XX/XXXX - I set up a 3 month payment plan to bring my 2nd mortgage current. It consisted of 3 consecutive payment to be made in XXXX, XXXX, & XX/XX/XXXX. After making the XX/XX/XXXX payment my account would be current with the next payment due by XX/XX/XXXX. 

~ between XX/XX/XXXX - XXXX - I received a statement from PHH stating that I owed {$410.00} ( current mortgage plus {$26.00} in late fees ) on XX/XX/XXXX. This made no sense to me since I had made my XX/XX/XXXX on XXXX which showed on my statement ; however, PHH failed to apply that payment appropriately. 

- ~ XX/XX/XXXX - I spoke with XXXX ( id - XXXX ) who informed me that he would get the payment applied properly. 

> XX/XX/XXXX - I received another bill from PHH stating that I was two months behind on my mortgage and owed {$790.00} by XX/XX/XXXX. This statement showed that the {$410.00} had been applied to the principal. 

- I called PHH again and spoke with XXXX ( id - XXXX  ) who informed me that she would get this fixed and reversed. 

- XXXX - I called PHH and spoke with XXXX ( id-XXXX ) to follow up on correcting the previous errors made by PHH. He put me on hold for 25 minutes and then somehow I was disconnected. 
- XXXX - I called PHH back after the disconnect and spoke with XXXX ( id-XXXX ) to follow up on correcting the previous errors made by PHH. She stated that XXXX had entered the wrong information and my payment was still not applied appropriately. She said she would request a reversal so that the funds would be applied correctly to my account. 

XXXX - I called PHH again to follow-up on the reversal request - after being on hold for 30 minutes I finally spoke with Mahvette ( id-? ) who informed me that the reversal request was rejected with no reason given. She offered to transfer me to an Escalation Team Member - to take no longer than 7 minutes. 

XXXX transferred me to XXXX ( id - XXXX ) who told me I needed to speak with an Escalation Manager. After being on hold for over 40 minutes, I was not able to speak to a manager. XXXX offered to have them call me back ( expected response time 24 - 48 hours ). I also requested the direct number to Escalation ( XXXX ) XXXX in case I wanted to call them myself instead of waiting. He apologized for the wait. He also checked on me periodically while I was on hold. 
I have been trying to resolve this issue with PHH for over a month to no avail.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (LA)

XXXX XXXX XXXX Date Obtained : XX/XX/XXXX Merchant : XXXX Purchase XXXX : {$560.00} Loan Amount : {$530.00} XXXX XXXX XXXX XXXX Term : XXXX Installment Loan Remaining Balance* : {$0.00} Paid Off Date : XX/XX/XXXX *Please note, for interest-bearing and non-charged off loans, interest accrues daily. The remaining balance being reported is accurate as of the date above. 


I was told this would be removed once Account was paid I have paid this off and I was provided a paid in full letter but they will not remove this from my credit report
Consumer complaint received 2019-10-18
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. (OH)

I am filing a complaint due to errors and fraud on my credit file. I recently was hospitalized for XXXX XXXX XXXX I was out of commission for 6 months bed rest. Someone has been using my ID and SS for accounts and loans. I was looking into doing a refinance on my home when I discovered that I had my information compromised. I have never lived in XXXX GA in my life. My name is XXXX XXXX please delete any other spelling of my name. Please remove the following names they are not mine name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX The following addresses are not mine:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, OH XXXX :