davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Date XX/XX/2022 To Whom It May Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX Please remove inaccurate employers as well as listed below : TXXXX XXXX XXXX XXXX XXXX Please remove inaccurate phone number as well as listed below : ( XXXX ) XXXX Once you have deleted the inaccurate addresses, employers and phone numbers from my credit report, please send me a copy of my updated report. 
Thank You XXXX XXXX
Consumer complaint received 2021-07-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Lil' Wave Financial, Inc. (CA)

Date XX/XX/2020 I believed I was enter into a loan that I never signed the documentation. 

I believed I was taken advantage of by broker, XXXX, and escrow company. 

I never signed paperwork for a 2 year loan never realized it until I got Notification that my property taxes were behind. I have been under covid hardship since I was furlough. 

I have ask for help for 6months for a reduction and this company doesn't seem legit.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2021 I appeared at Bank of America branch at XXXX XXXX XXXX, XXXX, TN XXXX and closed my account # XXXX XXXX XXXX and withdrew the balance of the account. Interest of {$.00} was posted to my account and maintainance fees were charged after my account was closed. I spoke to a Bank of America agent who stated the account is not closed and can't be closed until the mounting service fees are paid. I dispute these charges because I closed my account and the bank reopened it without my permission.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (NJ)

hello My name is XXXX XXXX ive reached out to wells fargo credit card several times and they claim they are going to fix the problem with my late payment from from XXXX to XXXX of 2020 since i was in the hospital with XXXX  and i was unemployed and fighting for my life before i got sick i was always on time with my payment im reaching out to you guys since wells fargo credit card is not taking action hopefully i can get this case resolved since ive paid the whole bill and then they closed my account after thank you. my email is XXXX XXXX
Consumer complaint received 2020-09-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My name is XXXX XXXX on XXXX XXXX I sent a certified letter to Transunion disputing inaccurate items on my credit report. The certified letter was delivered to Transunion on XX/XX/2020 according to the USPS the tracking number associated with this delivery is ( XXXX ) as of XX/XX/2020 I have not received a response from Transunion. 

On XX/XX/2020 I sent another certified letter to Transunion disputing inaccurate items on my credit report. The certified letter was delivered to Transunion on XX/XX/2020 according to the USPS the tracking number associated with this delivery is ( XXXX ) as of XX/XX/2020 I have not received a response from Transunion. 
It has now been over 100 days since Transunion received the first dispute They are in violation of the Fair Credit Reporting Act as they are required to response to any and all disputes within 30 days
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (NC)

I've notice on my credit report that my address is reporting incorrectly. I've tried numerous of times to dispute the inaccurate address from my consumer report and the company did not comply with changing my address.
Consumer complaint received 2020-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A few days ago I noticed my credit scored took a dive by 65 points I wondered why as there had not been any activity on my credit use. Upon examining my Trans Union report I noticed that there are duplicates that have been posted on my report. They are listed under XXXX XXXX and shows to be posted as of XX/XX/XXXX for XXXX XXXX XXXX, that's strange because this bill has already been posted back in XX/XX/XXXX for {$980.00} There is also a posting from XXXX XXXX which was posted XX/XX/XXXX for XXXX XXXX XXXX for services rendered on XX/XX/XXXX in the same amount of {$980.00} Then there are three additional postings from XXXX XXXX for XXXX XXXX XXXX for services rendered XX/XX/XXXX in the amount of {$710.00} this one is listed two times and yet another one from XXXX XXXX for XXXX XXXX   listed on your platform with the others on XX/XX/XXXX for {$710.00}. I noticed you didn't catch either of these Trans Union and because you lied about investigating the inquiry that appeared on my credit report as a result of some one steeling my ID my attorney and I will be preparing Affidavits in preparations for a law suit against you and we are also preparing information to present to several government agencies like the FTC. I am fed up with you Trans Union and your thoughtless stupor thinking that no one will notice your neglect. I have warned you in times past that I suffer with XXXX and am not supposed to be under this stress, so if you're trying to kill me, you failed. On one last not, XXXX  and XXXX XXXX of XXXX violated my HIPPA rights to privacy by sending out my medical records with out my consent, so we filed major complaints with the OCR who investigated and contacted them both with warning of this violation, so we, my attroneys and I suppose they have listed these things on your platform as retaliation which is also illegal, we are addressing this also. We are coming after you Trans Union in a law suit as well as other charges against you and we are recomending that you you be fined XXXX XXXX XXXX XXXX and XXXX XXXX dollars and there are going to be consequences for your lack of attention. I AM FED UP WITH YOU.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2021, I applied online and was approved for Barclays ' XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX I applied for the card because I found their sign-on advertisement attractive, I would get 50,000 Miles & More miles after spending $ 3k the first 90 days and paying the annual fee. Although I fulfilled both these requirements, I did not get the bonus miles. I contacted Barclays ' customer support on XX/XX/XXXX to inquire about the status of the reward. The customer support team was able to confirm I completed all the requirements and it should take a couple of days to see the miles. I wrote to their support on XX/XX/XXXX as well and received an answer they will investigate. I received a reference ID : XXXX. I wrote to them again on XX/XX/XXXX since nothing was changed. I heard back the same answer again, that it will be investigated. I had already wanted to use the miles at this point. I reached out another time on XX/XX/XXXX and heard back the same, automated answer. Today on XX/XX/XXXX, I called again and was told by customer service representative XXXX, again, that I completed my requirements and I should get the miles. She asked me to wait another 7 to 10 days. 

Their terms of service state : " Please allow 4-6 weeks for bonus award miles to be deposited into your Miles & More account after the qualifying purchase ( s ) have posted to your Account and your annual fee has been paid in full. '' I've been waiting since fulfilling my commitments in XXXX. How long must I wait for Barclays to fulfill their promise? I've already wanted to use the miles, which I could not do, not because of any fault from my end. At this point, I feel defrauded. This was a false advertisement. I made sure to spend $ 3k in the time so I can earn the miles and benefit from them. I would have made purchases with my other cards otherwise and enjoy their benefits. 

Violating their own terms of service should be illegal. I hope you may be able to assist.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Re : File number XXXX I am writing to show a paper trail and to report the continuance of the violation of my consumer rights. I submitted a previous complaint " XXXX. '' Your company opened a dispute and closed it within 7 days. '' Transunion you are in violation of 15 U.SC. 1681i ( 5 ) ( i ) which prohibits you to report an item without validation of the item. If you don't have proof, you must delete. 

I received a letter that if I have additional proof from the courthouse, then provide the documents. Well, I did, and you and you ignored my letter and documents. You keep treating the documents and letter as a new dispute. 

attached is the letter from the courthouse, proof of identity, and the letter. 
also proof that XXXX and XXXX removed the public record from their records. All 3 companies follow the same laws in accordance with the ( FCRA ) Fair Credit Reporting Act. How are you still able to validate the public record and there is proof from the courthouse, along with proof that the other credit reporting agencies was unable to verify the account?
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (NC)

I've notice on my credit report that my address is reporting incorrectly. I've tried numerous of times to dispute the inaccurate address from my consumer report and the company did not comply with changing my address.
Consumer complaint received 2022-05-02
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. (PA)

In accordance with the fair credit reporting act XXXX  Acct # 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 with out my written instruction.
Consumer complaint received 2021-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (AR)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

CREDIT COLL ( Original Creditor : XXXX XXXX  ) is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2022 I received an email from TD Bank congratulating me on opening 3 accounts with them ( 2 checking and 1 savings ). 
I thought the email was Spam so I disregarded. 
On XX/XX/2022 I received a packet from TD bank by mail which contained checks and deposit slips. These checks and deposit slips had my name, XXXX XXXX, and address. They also had a phone number which does not belong to me ( tried calling and its dosconnected ). I contacted TD Bank regarding these 3 fraudulently opened accounts and they did in fact close them and are researching the matter. I am contacting your company to make sure that this gets reported to all 3 creditors and doesn't affect me in the future.
Consumer complaint received 2022-05-02
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. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

I called the company on XX/XX/XXXX after seeing them report deroggatory on my credit report to see who they were and why were they reporting {$25.00}. the representative told me that the company had contacted me. When I questioned him as to when and who did I talk to his resonsed ; that we called you but company policy prevents us from leaving a message. If you call a person and do not let them know you are calling that is not a contact. Since that conversation Trans world Sys Inc /XXXX - ( XXXX ) XXXX has once again reported to the credit bureaus numerous in the Month of XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I am not clear as to what this company is doing and hope that consumers can be protected from them. Additionally, I did not receive any correspondence from this alleged debtor. 

Can anyone just drive your FICO down on a wim? Is there any request through anyone
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (OH)

I had opened a chase account under the empreasion that if you opened an account and had direct deposit you where suppose.to.recive XXXX dollars in 10.days i have not recoeved the XXXX dollars yet and i have had 2 pay checks aleeady and i get paid through direct deposit ... i.called then on 2 occosionsand rhey said it waa pending and its been 4 days and i have not gotten it yet either please help!!! Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2020-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

I was granted 100 % permanent XXXX by the VA effective date of XX/XX/XXXX, the decision was made XX/XX/XXXX and backdated. I applied for XXXX discharge of my student loans XX/XX/XXXX. I made approximately {$27000.00} in payments between XX/XX/XXXX and XX/XX/XXXX. I received a refund of only {$8800.00}. I contacted Navient and XXXX about this around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told that any payments made on the loans after the date of XXXX of XX/XX/XXXX would not be refunded if the loan account was inactive when they were informed of the XXXX on XX/XX/XXXX. Therefore, I was told of the {$27000.00} in payments I made after my XXXX date of XX/XX/XXXX, I would only be eligible for a refund of {$8800.00}. Title 34, Section 674.61 ( C ) ( 3 ) ( iii ) states any payment made after the XXXX date will be refunded.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (GA)

I am a federally protected consumer and you have violated my consumer protection laws by stating I owe you a debt and sending my personal information to the consumer reporting agencies. 
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ).

Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit. 
When I entered into the consumer credit transaction with you, I extendedly credit using my credit card XXXX social ). Everything was supposed to come out of my OPEN END CREDIT PLAN which is coming from my social security account. 
Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt.

I have been violated as a federally protected consumer and I demand that you XX/XX/XXXXout the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (GA)

On XX/XX/XXXX I pulled my XXXX and found that an account was opened at PNC Bank with my SSN on XX/XX/XXXX. I immediately reached out to PNC and advised as to what had occurred and they completed a XXXX XXXX report and would have the report sent to the fraud team to have the account immediately shut down. When I called back to obtain status I was told it was all set. I proceeded to ask questions to determine how this could happen and to find out additional information for the police report i.e where was the account opened, was it done online, at a branch what type of information was used to open the account they immediately advised I was not allowed to receive this information. HELLO, it's my SSN and YOU opened the account with fraudulent documentation. I immediately reached out to XXXX to determine if an inquiry was made and nothing. I also asked if i would get anything from them advising that the account had been closed and a full fraud investigation was conducted and i was met with an immediate no. The only thing that was done was a XXXX inquiry with XXXX. Which also played a part in allowing this to happen as they should have had a security alert on file since XX/XX/XXXX
Consumer complaint received 2022-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

Convergent Outsourcing Inc is fraudulently and wrongfully attempting to extort money from me for a make believe debt that I do not owe to a company XXXX XXXX XXXX AKA The XXXX XXXX XXXX in XXXX Alabama that I have never done business with ever. I live in XXXX XXXX. I have never been to XXXX Alabama. This is a joke and an illegal attempt to get me to pay something I do not owe or have ever done business with these companies. This collection agency is falsely claiming that I created an account and owe {$1000.00} that is a false obligation. The reason the credit reporting bureaus have placed me in a credit freeze for XXXX years is because of ID Theft. Also, recently my XXXX XXXX XXXX card number was stolen someone attempted to use it but the charges were rejected. This is another case about collection agencies abusing credit systems and collecting to force consumers hands, like me, to pay regardless of whether or not they are truly at fault. I will never in a XXXX years pay this as I am not responsible and disputing this debt.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

In XXXX I sent a dispute letter to XXXX, XXXX, and Equifax regarding inconsistencies on my credit report. I asked them to investigate and never received a response, and the information was never taken off of my credit report. I have sent several requests since XXXX, and with no luck. This is a direct violation of my rights according to the Fair Credit Reporting Act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-06-10
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. (WA)

Theres a hard inquiry on my Transunion report for a credit card I never applied for, XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report. And Transunion said I had to report it with the Federal trade commission before filing dispute