davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (GA)

In an attempt to be responsible for my student loan debt, I enrolled in autopay with Great Lakes. A withdrawal was attempted from my account and I was charged an NSF. I understood that it was a consequence of the failed attempt and immediately scheduled payment so that the charges would not occur again. I contacted the company and informed them that I had made payment and was concerned about being charged again. I was told that regardless I would be charged two more times as a result of the missed payment. Great Lakes took the money I gave them for the monthly payment and continuously attempted to charge my account after I told them that I only wanted to pay the month 's payment that was due. This resulted in nearly {$90.00} in NSF fees being taken from my checking account. They have been unwilling to send me anything other than copies of their terms and conditions in response to my inquiry. The terms and conditions do not mention charging after being paid the amount due. It inconvenienced me to the point that I had to use another account to pay my bills and ask my financial institution to block them so that they couldnt charge my account. I am disappointed and upset that they were assigned to me as my loan servicer with such poor and apathetic customer service. I have attempted to resolve this issue with them throuh the XXXX XXXX  XXXX, but they sent this in response to my complaint : " Thank you for following up with us on behalf of Ms. XXXX XXXX. We understand Ms. XXXX would like to be reimbursed the fees assessed by her financial institution. Please know, Great Lakes has made every reasonable effort to address Ms. XXXX request for reimbursement. Although we acknowledge she disagrees with the determination, Great Lakes position on Ms. XXXX request will remain unchanged. Ms. XXXX is responsible for the fees assessed by her financial institution in accordance with the terms and conditions of electronic payments toward her account. If Ms. XXXX has additional questions or concerns for Great Lakes, she may contact our Borrower Services Department by telephone at ( XXXX ) XXXX-XXXX ( Please note, some calls may be monitored or recorded for quality assurance purposes ), by email at XXXX, or by mail at the address below ... ''
Consumer complaint received 2023-04-04
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. (NC)

XXXX has yet to properly investigate and provide proof that these accounts are correct and valid as mine. They have not provided any contract signed by me stating my ownership of these accounts. I request that they are removed immediately and I will not stop until they are removed. 
XXXX XXXX Chargeoff XXXX balance XXXX XXXX Chargeoff XXXX balance XXXX- Chargeoff {$370.00} balance. I have never done business with this company. 
XXXX XXXX Chargeoff- {$350.00} balance. I have never done busienss with this company XXXX Chargeoff- XXXX balance {$2100.00}. balance has changed so many times. Which one is it? Verify or remove this from my report XXXX XXXX {$2600.00} balance. Never had an account with XXXX. Please remove this XXXX and XXXX. {$300.00} collection. I have never done business with XXXX. Please provide a contract signed by me or remove this from my report.
Consumer complaint received 2023-04-03
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. (FL)

I have tried to resolve this with TRANSUNION, their website will not allow me to upload supporting documentation. They will not allow me to email them this documentation. I do not have transportation to get to the mail or print this documentation. I am a victim of identity theft. They continue to repot damaging information which is a result of fraud although I have identified that the accounts were opened fraudulently. I have received notification from ProCollect that they have closed the account after I sent them supporting documentation of the fraud, however, TRANSUNION continues to report it. 

There are 2 fraudulent accounts on my credit report ProCollect XXXX XXXX XXXX {$720.00} 15 US Code 1681c-2 states " a consumer reporting agency shall block the information in the file that THE CONSUMER identifies as information that resulted from an alleged identity theft, not later than 4 business days '' I have called multiple times and have sent in documentation of the identity theft several times since XXXX od 2022.
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Someone at phone number ( XXXX ) XXXX calls every day saying they are from HSBC and we owe an " umbrella line of credit '' for thousands of dollars. We have never heard of this and do not owe any money. They threatened court action, actually saying there was a judgment against us. Told me I will " regret it '' if I don't pay today. I googled the number and it's almost word for word what they're trying to scam people for.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I contacted Santander a few times to request removal of PMI, as my current outstanding balance reached the required level to qualify for the PMI removal. As of XX/XX/2022, t

he LTV ration yields 77.53 % where the PMI should be automatically removed. However, the communication I received states that in order to qualify for PMI removal at this time I have to order appraisal which I will also have to pay for ( over {$400.00} ). And it also states that it does not guarantee the PMI removal. In the market where the real estate prices have been increasing, I do not believe this is reasonable. Especially provided that the LVT at this time is below 78 % of the original value.
Consumer complaint received 2020-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

PHH said they were now serving my XXXX from Ocwen but I got no written notification. PHH has reported that I was late for three months on my mortgage which was untrue as I was sending payment through auto pay to Ocwen which did not send them to PHH. This happened between XXXX XXXX time frame. I contacted Ocwen when this showed up on my Credit report whom referred me to PHH. I contacted PHH as I and XXXX XXXX where deployed out of country and made the missing payment as I awaited Ocwen to return the payment. PHH claimed I did not make XXXX and XX/XX/XXXX payments But I can prove the payments did go to PHH. They also are not honoring XXXX XXXX SCRA orders provided to them in XXXX. I tried to make a mortgage payment an hour amok and they have disabled once again my ability to make my mortgage payment as they are fraudulently trying to get late fees from me. This is a disservice to me as a consumer not being allowed to make a timely mortgage payment and for phh to affect my credit by saying I've been late 4 times. This is erroneous and misleading information that I believe is racially driven and fraudulent to collect undeserving late fees.
Consumer complaint received 2020-06-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (GA)

Wells Adv I received an email solicitation from Wells Fargo offering consumers {$400.00} for opening a new checking account online, based on which I did so, beginning the process online onand concluding it on XX/XX/20 at the branch per the direction of Wells Fargo. As advertised and represented by various Wells Fargo personnel on various occasions, the promotion required the account to receive credits by direct deposit transaction and becomes payable after the account has been open for 90-days. My account meets both conditions and I have yet to receive the {$400.00} credit. Moreover, when I inquire as to the credit, Wells Fargo responds by requiring me to verify my Tax Identification information, which was already done at time the account was opened when I provided them with my Social Security Card. 

Please note the account was initially opened as # XXXX and was transferred to # XXXX on XX/XX/20 due to an unrecognized debit on the initial account.
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (GA)

I checked my credit report and saw a negative trade line for Diversified Consultants on behalf of XXXX XXXX. What's odd is, I have a current account with XXXX XXXX at my current address, which is in good standing. So, I'm not sure where this debt is stemming from but i would like someone to research it. 

My name is XXXX XXXX and my current address is XXXX XXXX XXXX, XXXX, GA. 

I contacted Diversified Consultants and they say this is for account number XXXX XXXX XXXX XXXX at my old address XXXX XXXX XXXX, XXXX, GA. I HAVE NOT LIVED AT THIS ADDRESS FOR OVER THREE YEARS, so I'm not sure why there would have been an active account. 

This exact same situation happened to my sister with XXXX. She moved from one address to another, and for some reason, a new account was established instead of transferring her old account. She, too, discovered an issue on her credit. But once she reached out to the Executive office of XXXX, they researched and corrected the issue, crediting back balances not owed. I expect the same exact outcome, and i expect this debt to stop being reported negatively on my credit.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had vehicle insurance with them and out of nowhere they added 2 additional people to my account causing it to rise tremendously. I called and informed then that added people lived somewhere completely different from me. I asked them to adjust account and remove the 2 added unauthorized people to my policy. After several requests this still wasn't done. The other people do not Stay with me at all.
Consumer complaint received 2023-04-03
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. (NV)

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

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 XXXXXXXX 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 consumer 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 than 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 2023-04-03
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. (TX)

In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX account number XXXX has violated my rights 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( 5 ) section states no consumer reporting agency may consumer 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 than seven years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate Also this collection needs to be deleted asap because I was XXXX XXXX XXXX XXXX XXXX sent to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  sat in XXXX XXXX XXXX XXXX  starting XXXXXXXX XXXX I was XXXX XXXX XXXX Im sending documents of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is the reason XXXX XXXX was involved
Consumer complaint received 2020-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (FL)

I went into XXXX  to get my car serviced. They offered me a discount if I filled out a credit application. I insisted I was not interested in any credit cards and that I was not looking for new credit especially when I was trying to buy property. They insisted that the application was not for a credit card and was not a hard inquiry and that in order to get a discount on the job they were doing on my car I had to fill out the application. I told them about ten times that I was not interested in any credit with them. They insisted that it was just an in house credit that would never Hit my credit. After I filled everything out they said I was approved for {$600.00}. I asked them how this could be if this was not a credit card application?? When I got home I double checked to make sure it was not on my credit! It appeared as a hard inquiry credit card! I don't want this credit and was essentially tricked into applying for it or the staff did not understand this application process.
Consumer complaint received 2019-04-26
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: Experian Information Solutions Inc. (GA)

I sent letters several months ago to XXXX, Experian and XXXX  about inquiries I never ever sign for that's on my credit report. There has not been no response. I was told by an attorney the credit bureaus is not out to help you they are there to make money and make sure your score stays low. I am not sure how true that statement is but I have not received a response and the inquiries are still on my report. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XX/XX/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. Georgia XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX   XXXX XXXX, XXXX
Consumer complaint received 2019-04-26
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. (GA)

I sent letters several months ago to XXXX, XXXX and Transunion about inquiries I never ever sign for that's on my credit report. There has not been no response. I was told by an attorney the credit bureaus is not out to help you they are there to make money and make sure your score stays low. I am not sure how true that statement is but I have not received a response and the inquiries are still on my report. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XX/XX/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. Georgia XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX. XXXX Bank XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX NA XXXX XXXX, XXXX
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (TX)

Experian you have 5 items on this account that are in violation of the FCRA XXXX each you decide pay the the fine or remove this account IM not asking for verification nor validation because they are violation s you are reporting
Consumer complaint received 2023-07-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-03-12
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. (CA)

XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$27000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$13000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX Card, AC # XXXX, DO : XX/XX/XXXX, Amount {$11000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX Bank, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$10000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I CALLED IN AND TALKE TO A REP REGARDING MY ADRESS ON MY CREDIT REPROT IT STILL IT DOESNT SHOW ACCURACY. I SENT IT MY MAIL 2 WEEKS AGO AND TRHEY STILL HAVENT RECIEVE IT. IM ENCLOSING MY ADDRESS AGAIN CAN THEY UPDATE MY CREDIT FILE WITH MY CORRECT ADDRESS
Consumer complaint received 2023-07-26
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)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (FL)

I disputed a XXXX XXXX XXXX XXXXKAY 'S ( XXXX ) in regard to an unknown KAY 'S JEWELRY account after pulling my credit reports which was said to been verified. XXXX said they aquired the debt from parent company STERLING JEWELERS INC. ( XXXX XXXX ) but say they sold the debt to XXXX XXXX XXXX around ( XXXX ). All 3 companies are reporting inaccuracies to the credit bureaus in violation of CFPB law. S.JEWELERS charged off acct. on ( XXXX ) with a balance of {$440.00} which is still reported as DUE with ( XXXX ). XXXX/KAY 'S also reports acct.with XXXX as ( C/O BAD DEBT ). XXXX XXXX  is reporting to ( XXXX ) the same acct. open with ( BAL.DUE {$440.00} ) on behalf of S.JEWELERS from ( XXXX ) which I believe is double jeopardy and in violation of CFPB and FDCPA. Its negatively hurting my credit score and XXXX/KAY 'S sent a letter saying they reported everything to all 3 bureaus accurately and won't remove any negative remarks. XXXX also shows a Charge-Off from XXXX/KAY 'S on ( XX/XX/XXXX ) and PAID ON TIME status from ( XXXX XX/XX/XXXX ) with Date of Last Payment as ( XXXX ). Which one is accurate. The last reports/updates are ( XXXX XXXX, XXXX XXXX AND XXXX   XXXX ) which makes me believe they never actually investigated the dispute.