davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't 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 XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

This is Experian 's Boost program. It is specifically the self reported account for XXXX. 

Social Security Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Original Creditor XXXX  Company Sold - Account Type Telecom Date Opened - Account Status Open Payment Status Current Status Updated XX/XX/2019 Usage - Balance {$58.00} Balance Updated XX/XX/2019 Original Amount - Monthly Payment {$58.00} This program, even though only about three months old, is flawed. Th problem is that this is installment account. So the payment is also being reported as a balance instead of showing XXXX. This is affecting my score.
Consumer complaint received 2019-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I've contacted this company to get information on why my balance is so high. They haven't sent me any itemized bill showing why I owe them. I finished my lease at The XXXX at XXXX apartments. They only send me my lease when i ask them to verify the debt. These charges are outrages and I would like them to remove it from each credit bureau immediately, and stop all collections from here forward.
Consumer complaint received 2019-07-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have been contacting Experian explaining to them that they are reporting things that absolutely do not belong to me. I have told them over & over & over again that this information that they continue to keep on my report is fraud information. The account for XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX do not belong to me & I did not apply for these accounts. I have sent several police reports & the identity theft reports and they still report fraud information along with address information that I have never lived at. I have never lived at XXXX XXXX XXXX XXXX XXXX, IL XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX.
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

Chase purposely holds pending transactions until account balance is low and pushes these transactions active to charge additional insufficient charges. Current account balances reflects these pending transactions. Then the next morning current account balances show a different story from account balances the night before. Deceiving business practices to charge customers multiple insufficient fees. I have several screen shots and this happens often too often. Please let me know if I need to display these screen shots.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (TX)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. this ground for removal the also violated my rights under 15 U.S.C 1681 Section 602 A. Status I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer repoting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2017-02-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

Pennymac is not adhering to RESPA, TILA, and consumer protection laws for mortgage loan servicing. I attempted to remit my payment today by the web and called in to only wait on hold for 25 mins, and was ultimately and erroneously denied due retaliatory discrimination for filing a HUD complaint. I contacted the company and informed them that I planned to remit a payment this month and instructed to do so by the rep. This is ridiculous and now my loan will report late. I want this investigated by HUD and CFPB and CA attorney general 's office.
Consumer complaint received 2019-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (GA)

XX/XX/2019 I filed some disputes for XXXX XXXX XXXX on devices I didnt receive, I explained my situation to PNC bank about this and field the dispute, pnc does not any to help and told me to deal with XXXX XXXX XXXX and get my money back its like I just gave XXXX XXXX XXXX   free money, I explained to pnc that Ive already went through XXXX XXXX XXXX and nobody wanted to help and I did file other disputes but this bank is just that bad I trusted pnc to get my money back but I was denied and bad customer service, I would not recommend this bank or smart access card to anyone, I have tried to resolve this this but I cant thats why I filing this complaint, one was for XXXX dollars the other was for XXXX dollars and the other ones for XXXX and XXXX, this bank does not want to help the customer and I was told cant help you please resolve this before I file a XXXX XXXX XXXX complaint
Consumer complaint received 2019-03-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Law Offices Howard Lee Schiff, P.C. (CT)

Howard E. Schiff Law Firm in Connecticut emptied my Checking, IRA Savings, and Child support bank accounts yesterday totaling over {$3000.00} leaving me with {$0.00} dollars. I am a single mother taking care of a minor child ( XXXX year old daughter ). I was not served any papers, I was not notified of what even the debt was for. My attempts to get the money back from the firm have failed. I need immediate assistance in this matter. 

XXXX XXXX
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC (CT)

The mortgage company kept on spelling my name incorrect in witch i could not get the paper work notarized during this time they just gave me the run around until i file for mediation at the court. then they had me redo the modification for the 3rd time just to move my interest rate from XXXX  % to XXXX % now my payment is not affordable. my payment went from XXXX to XXXX
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (TN)

I have been a Discover Card customer since XX/XX/XXXX. I have always been happy with their level of customer service and services. In XX/XX/XXXX, however, I decided to take out a cash transfer at a promotional rate. Since I wasn't using the card after taking out the transfer, I set up paperless billing and autopay and did not check the statements until this month ( XX/XX/XXXX ),  because the promo time was close to expiring. 

To my horror, I discovered I had been charged between {$140.00} and {$190.00} per month going back to last XXXX for something called " Payment Protection. '' Since I had no idea what this was, I did some research and found that it is a program that you get signed up for when you get a Discover card, AND there had been a lawsuit settlement back in XX/XX/XXXX because Discover had not been properly notifying its customers of what they had signed up for. 

I called the number next to the charges, and they informed me that since it had been on my billing statement, they would only refund 6 months ' worth of charges. I'm not sure why they chose that arbitrary number, but it is still profoundly unethical to charge someone for anything they weren't aware of, even if you " notify '' them that they are getting charged. 

This type of sneaky behavior stains the reputation of Discover Bank, and it definitely will affect the way I refer other people to banks or credit card companies. They clearly did not learn from the lawsuit seven years ago, and are still defrauding customers.
Consumer complaint received 2018-04-30
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: EQUIFAX, INC. (AP)

Hi. I had previously submitted a complaint re Equifax and their release of my personal information ( via a hack ). More specifically I had been unable to establish a TrustID account with them as they had promised to those of us " hacked ''. The complaint number is XXXX and was submitted on XX/XX/XXXX. 

My understanding of their response is I could not prove that I am XXXX XXXX. Although I applaud their security in this effort, what they did not tell me is how I can provide that I am in fact XXXX XXXX. I am happy to provide copies of my passport, driver 's license, etc. As proof of my identity and intent, I have attached a copy of this years Annual Credit Report Equifax provided me in XXXX of this year. I can provide much more documentation if Equifax will provide very specific instructions on the information they need. 

As a side note, I am a US Citizen working in XXXX at the XXXX XXXX. I can provide US Government orders showing this fact. I am a citizen of the US, pay US taxes and VA state taxes. Also, I will be finishing my tour in XXXX in XXXX of XXXX and will return to my previous address of XXXX XXXX XXXX, XXXX, VA XXXX around XX/XX/XXXX. 

Please, please, please let me know how I can fully establish a TrustID account! 

Thanks, XXXX XXXX
Consumer complaint received 2019-07-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/2019 our 2 year CD with Ally bank has matured. On XX/XX/XXXX I've called the bank and told an associate that I would like the CD and the account to be closed and a check of the total amount to be mailed to me. I have the confirmation number XXXX. I was told it would take about a week.. 
On XX/XX/XXXX, not having the check, I called Ally again and was told by an associate that the account was not closed and the check didn't go out and he did not know why. I wanted to talk to a manager but none was available at the time. 
Next day morning, XX/XX/XXXX, I called again and was able to talk to a manager. He could not explain why the account and the CD was not closed as I requested but assured me that the check is already in the mail. I asked why wouldn't they send it by overnight being so late but didn't get a response. 
It's XX/XX/XXXX and I still do not have the check. Moreover yesterday I have received a letter from Ally letting me know that the CD has been renewed for another 2 year term. It's surreal.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I had account with XXXX XXXX XXXX they garnish my check inXX/XX/XXXX so now the account is paid in full. I noticed on credit report Portfolio Recovery collection opened account {$610.00} XXXX XXXX and the original creditor is XXXX XXXX XXXX. I didn't authorize XXXX XXXX to sell my information and the account is paid in full. this defamation of character I will sue they need to remove this immediately.
Consumer complaint received 2019-03-27
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. (PA)

My name is XXXX XXXX And my Information was stolen. Thieves are continuing to try and use my information to get goods and render services in my name. It has stopped me from getting a house and a car. I originally filed my fraud alert on XX/XX/XXXX. As of today, the fraudulent accounts are still reporting to my credit.And I don't Know why.. 

These Account are not mine and I have no clue how they got there. and its hindering me from progressing financially XXXX   XXXX  XXXX/XXXX XXXX {$480.00} XXXX XXXX bank XXXX XXXX XXXX bank XXXX XXXX bank XXXX XX/XX/XXXX {$190.00} XXXX/XXXX XXXX XX/XX/XXXX {$270.00} XXXX bank XXXX XXXX XXXX XX/XX/XXXX {$300.00} EQUIFAX XXXX XXXX/XXXX XXXX {$480.00} XXXX XXXX bank XXXX XXXX XXXX bank XXXX XXXX bank XXXX XX/XX/XXXX {$190.00} XXXX/XXXX XXXX XX/XX/XXXX {$270.00} XXXX bank XXXX XXXX XXXX XX/XX/XXXX {$300.00} INQUIRY- XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX {$480.00} XXXX XXXX bank XXXX XXXX XXXX bank XXXX XXXX bank XXXX XX/XX/XXXX {$190.00} XXXX/XXXX XXXX XX/XX/XXXX {$270.00} XXXX bank XXXX XXXX XXXX XX/XX/XXXX {$300.00} Please Remove these fraudulent accounts from my credit report. My information was compromise and I strongly believe my information was victimized by the breach. I do not know where the accounts came from nor did I open any of theses accounts. 

I am currently in the process of consulting with my lawyer on weather I not to proceed with a lawsuit if the accounts are not removed Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vice President XXXX XXXX XXXX XXXX XXXX XXXX Fraud and XXXX XXXXXXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX Senior Vice President XXXX XXXX Theft Equifax LLC XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX vice president chief legal XXXX Equifax llc XXXX XXXX
Consumer complaint received 2019-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MD)

Almost 4 years ago I went into a Wells Fargo and tried to get a credit card with a XXXX credit score. They told me that because I had no open trade lines that I would need to place a deposit on the card and that after 12 months of payments my money would be returned to me. And I would have a graduated credit card. This hasnt happened in 4 years, they say because I was a few days later here and there over 4 years is why my account hasnt been upgraded. Because they have been fee harvesting me for hundreds and hundreds of dollars. And refuse to upgrade my card. Other lenders see this card and dont want to extend me credit. This card reporting as secured is damaging my credit profile. And my ability to get housing and low rates on transportation and vehicle loans. 

According to the fair consumer credit act payments up to 30 days may not be used to my detriment. Only payments 30 days and over are recognized under this statute. However Wells Fargo uses this as legitimate reason to damage my credit profile. 

XXXX XXXX. 






XXXX XXXX
Consumer complaint received 2018-04-30
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: APPLE FINANCIAL HOLDINGS, INC. (MD)

Sir Request being repeated Complaint against Apple Inc, California No Customer service My Daughter XXXX XXXX & Grand Daughter had come to XXXX last week. 
Daughter is staying at XXXX, Maryland, USA. She/Grand Daughter are back at USA. 

My rand Daughter front cover of XXXX  was damaged, so I requested my Daughter to Visit Apple Authorised Dealer. She Visited XXXX XXXX XXXXXXXX XXXX NOXXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, She was asked to come after 2 days. When XXXX visited your authorised dealer after 2 daysshe was informed that front cover/screen of XXXX is not available in the Market .However She was asked to visit some shop at XXXX XXXX XXXX XXXX. 

My Daughter visited the repair shop as instructed, she was asked to pay Rs XXXX [ INR ] in advance, amt paid on XX/XX/2018. & collect the XXXX  next day. My Daughter was to leave for USA next day, & XXXX XXXX was delivered next day morning. After reaching at USA She found XXXX gets hang on each start. XXXX is being used by my Grand Daughter. 

What is my humble appeal, My Daughter has taken trouble to find out your Authorised Dealer, again to trace out repair shop at XXXX XXXX, Paid Rs XXXX XXXX, but XXXX  is  not working. We appeal for your kind consideration. 

Thanking you XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mary landXXXX XXXX XXXX XXXX PS- Sir Apple Inc has informed that consumer has no proof, appointment taken with Apple authorized service center, but we clarify [ 1 ] XXXX  was not handed over to service center since they had no front screen cover on hand [ 2 ] My relatives have inquired, no consumer takes prior appointment of Apple Service center. Consumer just visit Service center.

Apple should not misguide consumer, customer.

W feel humiliated, Apple do not trust Consumer/customer We only appeal, I XXXX be repaired at most reasonable cost XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Maryland-XXXX tel-XXXX XXXX XXXX
Consumer complaint received 2020-12-23
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. (AL)

I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC (AZ)

I have sent multiple request for an unverified account to be reported correctly or removed from my credit report. I have sent notice to XXXX and XXXX both reporting information inaccurately. I have verifiable proof that XXXX  has lapsed the 30 day timeframe to investigate this issue and still reporting as accurate. I demand this be removed immediately!
Consumer complaint received 2019-03-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GSI  Recovery, LLC (NJ)

I had went to the hospital XXXX  of last year XX/XX/XXXX. I had received Medicaid and all of but one bill for {$110.00} for XXXX XXXX XXXX was paid for in which I had called several times about informing them I had full Medicaid at the time. I now receive a bill from GSI recovery in which I had called several times and never got a call back until today XX/XX/XXXX when I had called 4 times until finally someone picked up. When I tried to explain what was going on and tried to give him my information he said that I had to call Medicaid in which I then tried telling him I did and they said to call them he then yelled at me told me to never call his business again and he dont care that it will now be added to my credit report as bad debt and that I should pay my bills. I was covered so my bills are paid why I keep getting this one that I have called many times about I dont know and keep getting the run around but to be threatened that it will now be added to my credit report as bad credit when i should have never received this bill in the first place is beyond belief. How many times have this company did this to people instead of helping them just threaten them and put things on their credit report that do not belong there.