davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-23
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSWORLD SYSTEMS INC (OH)

I have filed a FTC complaint against TSI for misrepresentation I have requested proper legal documentation from TRANS WORLD SYSTEM #  XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT. 
This is a fraudulent attempt to collect a debt that is being misrepresented on a unverified account with no verifiable account numbers, no date of late activities and several other FDCPA violations
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have incorrect increase showing on my account when I had a freeze and on my three credit bureaus for the past 6 years! Those inquiries are fraudulently done I am a victim of fraud I sent in several copies of police reports and they still Place those inquiries on my report hard and soft! Also they are showing public records of bankruptcy XXXX XXXX and XXXX which is XXXX XXXX XXXX XXXX  XXXX they told me they going to keep it on there for 10 years when I contacted the consumer they said they never report information to any credit bureaus and also gave me a letter to send to them and spoke with them on the phone and they still keep that public records on my credit report I want them removed they are falsifying in line saying they contacted the bankruptcy courts and they reported the bankruptcy to them which is false information I want my XXXX  XXXX and XXXX removed it's stopping me from purchasing a house as a first time homeowner! I also have accounts on there that's closed out and old with inaccurate information and also have accounts on there that's not even me saying that I'm an authorized user on a credit card I never in my life on the credit card I sent the police reports I'm a government employee at the post office in all of our information had been breached it was on all national news channels everyone knows this ever since then five years ago I've always had a freeze on all three of my credit reports even XXXX XXXX and I don't understand how these accounts are being placed on my credit reports every month some of them you can look and see the dates that is fraudulently done they're back to back please have them to remove this false information on my credit report ASAP they investigated and it's constantly keeps it on there I want this stuff off so my credit score can go up I even have accounts that I paid off and they still reflecting on my credit report! They keeping my credit score at a XXXX this is ridiculous someone need to get to these credit bureaus all three of them and stop letting them fraudulently put information on people 's account saying that they getting public information from the vendors when they're not! I want those bankruptcies move both of them!
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC (NJ)

I received an escrow analysis from LoanPal that is based on an incorrect real estate tax amount. My loan payment was increased to {$5000.00} of which {$2500.00} is the escrow amount. At this payment amount, I will be paying {$30000.00} to escrow for the year when my total taxes and insurance will be {$19000.00} for the year. I reached out to customer service on XX/XX/2020 to rectify the situation. I was told that I could not speak directly to the tax department as they do not take phone calls. Instead, I had to email my current tax bill to XXXX. I sent the email and received an automated response that my email had been received. I was told that the issue would be resolved well before my XX/XX/XXXX payment needed to be made. On XX/XX/2020, I had not received a response, so I again called customer service. They told me they had no record of the XX/XX/2020 email, even though I had received an automated response. I resent the email and was told it would be 48 business hours before I would receive a response. I asked to speak to a supervisor to expedite the response as I had already inquired about this on XX/XX/XXXX. The supervisor told me that there was nothing she could do to alter the process. I called on XX/XX/XXXX and was told that a resolution was expected XX/XX/XXXX and that the investigation was still open. I asked to speak to a supervisor XXXX XXXX XXXX and was told that nothing was being done, because a request for an escrow analysis was never sent to the tax department. She asked if I wanted to do that and I asked what have I been asking for since XX/XX/XXXX??? She put the request in. Since that call it was obvious they needed to be contacted everyday to make sure they were actually working on the case, I called again XX/XX/XXXX, XXXX and XXXX. I was told today to call back Thursday morning XXXX XX/XX/2020 XXXX to find out if the request has been completed. At this point, I have no faith in their system and have a payment due by XX/XX/XXXX for the incorrect, fraudulent amount. I have been asking since XX/XX/XXXX what my correct payment amount is. I also sent a XX/XX/XXXX package ( XX/XX/2020 ) with a letter and all the details to XXXX XXXX, CEO. As of XX/XX/2020, I have not received any response from XXXX nor do have answer to what my correct payment amount should be.
Consumer complaint received 2019-08-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

An unauthorized ACH debit transaction of XXXX was made from my savings account at chase bank on XX/XX/2019 and an ACH debit transaction of XXXX was attempted on XX/XX/2019 but failed due to insufficient funds. This is because my entire savings account had been wiped out. I had possession of my bank card at all times. 

I am currently outside the United States and did not notice this fraudulent charge on my saving account until XX/XX/2019. I also never received an email or warning on someone making such a large unauthorized transaction. I immediately called chase bank to report the fraudulent charge but I was told that they were unable to do anything and would need to " mail '' me a form that would need to be filed with their claims department before any type of investigation could be made. I tried to explain that I was out of the country and would required the form to be emailed instead but I was told that-that was not possible. I have since called chase bank on a daily basis and are still waiting to receive the form via mail.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

I OPENED MY ACCOUNT ON A MONTH AGO, THEY CLOSED IT ON THE XX/XX/XXXX, TRIED TO NEGOTIATE WITH THEM ON SEVERAL OCCASIONS WITH NO ACTION TAKEN ON THEIR END.! I AM LOOKING TO HAVE MY ACCOUNT REOPENED BECAUSE IT WAS CLOSED WITHOUT WARNING AND WITHOUT CAUSE AND IS NEGATIVELY EFFECTING MY CREDIT REPORT.
Consumer complaint received 2022-11-20
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. (AZ)

The following items need to be removed and blocked as they are fraudulent. 
XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2007
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

*On XXXX XXXX, XXXX My Citibank credit card ( ending with XXXX ) was charged with 5 unrecognized, unauthorized charges. I assume the card was stolen in the mailing process as I recently ordered a same-card-number replacement for that card and never received it. 
Within a few hours of these charges, I noticed them and immediately reported these fraudulent charges to Citibank. A new card ( ending with XXXX ) was sent out to me by Citibank on the same day. 
The five fraudulent charges are : XXXX ( {$5.00} ) XXXX ( {$31.00} ) XXXX XXXX ( {$1.00} ) XXXX XXXX ( {$380.00} ) XXXX XXXX  ( {$390.00} ) *On XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX I saw on my card that the first three charges above are covered with a " security credit '' but the remaining two from " XXXX XXXX  '' was left uncovered. I called Citibank more than five times and was transferred between different departments, each time I was promised with a security credit within 4-7 business days, which haven't happen till this day. 

*On XXXX XXXX, XXXX The two fraudulent, uncovered charges from " XXXX XXXX XXXX were posted to my credit card statement and therefore requiring me to pay for. Despite multiple phone calls with Citibank on this day, they were not able to handle this issue.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Approximately XXXX  years ago, I was approved for Capital One 's Quicksilver One credit card. My understanding that this card is generally issued to consumers who have fair credit and there is an annual fee of {$39.00}. As I was rebuilding my credit when I was approved for the card, the terms were acceptable. Now, however, I have good to excellent credit. I have paid this credit card on time each month. I have also paid the annual fee, however last year Capital One waived this fee. 

Now, I would like to advance to the Capital one Quicksilver card with no annual fee. I believe my on time payment history merits this change. However, Capital One refuses to allow me a product change to this card. Instead, they have offered a product change to a no fee miles card, the Venture One. I do not want a miles card and I resent Capital One pigeon-holing me into this card. 

In addition to the QuicksilverOne, I have three other credit cards serviced by Capital one. I have never been late with a payment on any card. I did make ONE mistake in choosing the incorrect payment account and a payment was return, but I corrected that error BEFORE THE STATEMENT CLOSING DATE. No late fee was incurred. 

I can not close this QuicksilverOne card without substantially hurting my credit because it is one of my oldest cards. So, I am forced to pay an annual {$39.00} fee that is excessive given my current credit profile and the card 's benefits. The alternative Capital One offers me is not as beneficial to me given my credit line and the alternative card 's features. 

I can apply for a new Quicksilver card, but this would result in a hard inquiry and hurt my credit. So, Capital One is holding my credit score hostage and forcing me to pay a {$39.00} annual fee. 

On XX/XX/, I spoke with XXXX in the XXXX XXXX department, who confirmed that the only card I am eligible to change to is the VentureOne card. Again, I can't use a miles card given my credit line and the card 's features. I also spoke with XXXX in customer service who stated that I am no eligible for the QuicksilverOne annual fee to be waived this year. 

WHY CAN'T I PRODUCT CHANGE?!!!
Consumer complaint received 2021-12-04
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$540.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX CT ) XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-03
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. (LA)

To whom it may concern : My name is XXXX XXXX.On XX/XX/2020 I mailed off a copy of my ID and SSN Card and dispute for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX Transunion  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are XXXX XXXX follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I disputed two items on my credit report with Equifax. I requested proof of debt, and they failed to provide any proof, and Equifax just referred me to contact the creditors.

I contacted the two creditors and neither one could provide proof of debt either. 

Both items remain on my credit report. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2019-08-23
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)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2020, I had a balance of {$100.00} with my Kohl 's Charge Card. On that date, XX/XX/20, I submitted a payment in the amount of {$9.00}. On XX/XX/20 I made a final payment of {$100.00}, the remaining balance. This should have brought my balance down to " XXXX '' by XX/XX/2020 in time for the new billing cycle/statement. On XX/XX/2020, it came to my attention the initial paym ent of {$9.00} had been reversed, and I was charged a {$25.00} return fee. I immediately re-submitted the payment for the {$9.00} and called customer service. I spoke with a supervisor, XXXX - ID # XXXX. He " assured '' me he would waive the {$25.00} return fee, and it would take " 24-48 hrs. '' This was on XXXX XXXX, and it is now XXXX XXXX. The {$25.00} has not been waived, and now the amount has been reported as a statement balance to the credit bereaus. I paid my balance in full to AVOID having a balance reported to the bereaus, and now they've cheated with dishonesty and lack of " follow through. '' The solution I want is : 1. Remove the {$25.00} fee as was promised, originally.

2. Report the new XXXX balance to the 3 major credit bereaus.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602a, it is mandated that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX, and TransUnion being consumer reporting agencies, are obligated to uphold these standards. As a consumer, I assert my right to ensure that my private information is not shared, which is reinforced by 15 USC 6801. This statute emphasizes that financial institutions, including furnishers of information to credit agencies, have a continuous obligation to respect the privacy of their customers and safeguard their nonpublic personal information.

Section 15 USC 1681 section 604a ( 2 ) states that consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the consumer. However, neither XXXX, XXXX, nor TransUnion, nor the furnishers of information to credit agencies, have obtained my written consent to furnish my information. Therefore, any purported consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without providing consumers with an explanation of how they can exercise their nondisclosure option. However, I was never informed of my right to exercise this option by the furnishers of information to credit agencies.

Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization under subsection ( b ). The account in question is an adverse item being reported without my permission, which violates this provision.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX, XXXX, and TransUnion are thus failing to maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid violations of FCRA sections 1681c and 1681b.

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I hereby exercise my right to opt out of XXXX, XXXX, and TransUnion 's reporting services.
Consumer complaint received 2023-01-18
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : - XXXX XXXX  XXXX XXXX. XXXX  : {$5600.00} XXXX XXXX  XXXX .... XXXX  : {$2400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX .... XXXX : {$6400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Comerica (GA)

i made a payment for XXXX on the third of XXXX for a hotel purchase and prior to doing so i had a balance of XXXX i check my account that evening and i only had XXXX dollers in my account i called direct express the following morning who rudly informed me that the hotel takes XXXX percent of my balance and holds it until the amount is processed well at this point the XXXX plus XXXX $ was taken out. and XXXX who refused togive me her last name said she was the only XXXX in the direct express call center. ( XXXX ) goes on to tell me my XXXX $ wont be realeased until the third of the next month, when i asked her why .. she rudely screamed at me and said XXXX XXXX XXXX just told u all the i information needless to say a hour after i hung up the phone with this rude XXXX who was confident in telling me my funds wont be put back on my account until the third of the next month i got a alert that my XXXX was back on my account she was incompedent and rude and not very informative
Consumer complaint received 2022-06-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (GA)

I just received a decision from my loan servicer stating their investigation is correct and all information is reporting accurately. The loan reflects late payments during a period the FEDERAL GOVERNMENT SUSPENDED PAYMENTS. Please remove these accounts from my credit report to align with FTC. 

AGAIN, The federal governments has executed the cares act as well a mandate to suspend ALL STUDENT LOAN PAYMENTS. LATE PAYMENT ARE STILL REFLECTING WRONG. PLEASE REMOVE ACCOUNT FROM ALL 3 BUREAUS AS THE STATUS IS NOT CORRECT AND ACCORDING TO THE FTC US15 U.S. Code 1681i.