davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (MO)

I have never filed a XXXX  XXXX bankruptcy I disputed this with with all 3 credit agencies and no one has responded I also sent off letters this is my 3rd time trying to resolve this matter
Consumer complaint received 2024-02-29
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. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Chase credit card. I called Chase cc cs before making a purchase with a merchant that had 1-star ratings and claimed to only issue store credits and no refunds for returned items, to make sure that I cant still get my money back if the items are not as described or unwearable. I was assured then that Im protected by Chase and Visa and will absolutely get my money back as long as I return the items. I opened 2 claims 3 weeks ago, one- for items that I have returned back to the merchant and provided shipping receipts with a tracking number, 2- item that was never received and shipping date kept getting delayed for 4 months. 
I uploaded proof and screenshots of a store credit of {$200.00} that I dont intend to use because I will never purchase anything from this store again, however, after a month Chase is still investigating the claim. I have made numerous calls to claims customer service and they just do nothing. They either hang up the phone without calling back so I have to wait on hold again and just keep saying that I have to wait for a merchant to respond. The merchant returns emails within 2 weeks. Chase has all the proof of returned items, store credit and etc.
Consumer complaint received 2022-06-14
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On my latest personal credit report it shows a credit card that is not mine. Data lollows : USAA Savings Bank XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Monthly Payment Monthly payment {$910.00} Date opened XX/XX/XXXX Loan type : CREDIT CARD account type : Revolving Account Date updated : XX/XX/XXXX Payment received : {$0.00} Pay Status : Account 30 days past due date Terms : {$910.00} per month paid monthly High Balance History : high balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX : {$8.00} from XX/XX/XXXX to XX/XX/XXXX. 
{$16.00} from XX/XX/XXXX to XX/XX/XXXX ; {$19000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX remarks : FIRST PAYMENT NEVER RECEIVED
Consumer complaint received 2022-10-20
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. (CA)

I have notified Experian over and over again about this incorrect information. I have called and written them dating back from XXXX. 
I have provided accurate and up to date information regarding my auto loan which was paid satisfactorily and NOT INCLUDED IN MY BANKRUPTCY as Experian continues to report causing a dip in my score. I have sent in documentation showing proof that my auto loan account was paid in full from the lien holder continuously but Experian will not update the information.
Consumer complaint received 2019-03-23
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have asked requested the following personal statement be placed in my credit report and related to all who request my report. THe statement meets the word and character requirements but the reporting agency will not place this on my report as requested. 

" My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided copies of law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse reports to the three credit reporting agencies. Each agency gave XXXX & XXXX, notice as an adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the reporting of XXXX & XXXX adverse information. ''
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (MO)

XXXX was asked by phone to provide proof of debt from XXXX. XXXX did confirm with equipment was returned and no debt due. However XXXX when we ask them to provide details of alleged debt only sent a statement with an amount, no details as to what the alleged debt was associated with, fees, equipment or anything else. We told them this was not adequate but they continued collection attempts without providing details. We asked them to stop and they did not stop.
Consumer complaint received 2019-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I had an account with XXXX XXXX XXXX since XX/XX/2016, for unfortunate financial difficulties I was unable to make my payments. I sought professional help with XXXX XXXX XXXX ( XXXX ) to help me to settle the account, apparently by XXXX the account was paid. However, I been tracking my credit report and the statement said that is pass due by over 149 days. I will love to settle this issue, I am a United States XXXX that is in the process to apply for XXXX XXXX   XXXX  with the ultimate goals of entering the XXXX XXXX pipeline, I am a great charger, self-motivated individual, great XXXX, with a clean record in the military for ten years. I am trying to start over whit a fresh start in my career and personal life. To accomplish those goals, I need any negative remark removed from my credit. I do understand I totally my fault by I want to fix my mistakes. 

Thanks.
Consumer complaint received 2018-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Loantopia (CA)

Hi my name is XXXX XXXX i was told on the phone my payments would be XXXX a month at 20 % for XXXX i said okay then they had me esign the documents so i did then the had me pay one time on the XX/XX/XXXX then they said on the XX/XX/XXXX of every month i said okay land i did but then they email me saying that i sign up to do ot every two weeks i asked them if this was a payday loan they told me no but yet they want me to pay every two weeks or they are going to get a judgement me on i told them if i would of know that i would not of done it there interested is 208 % on a XXXX loan i told them that i cant do that they said i have to and i have no rights that i sign the XXXX sign it and i have to i dont know what to do and now they want me to pay XXXX every two weeks
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone was Impersonating thru emails, my real neighbor sent out in email needing help collecting money for the fire that happened in XXXX XXXX and since shes an older lady she didnt have XXXX XXXX  or XXXX XXXX The Imposter that said was my neighbor said if I can help send money and she will give me a check or cash when she sees me. so she asked me if I can send her friend the money and she would come over to my house and give me the money plus another XXXX $ for my troubles. so after I send those transactions I reviewed the emails and I contact her and I asked her hey are you asking for money she said yesbut not thru XXXX or XXXX XXXX  because she does not know how to use them. And thats when I contacted my bank immediately. This is the email that contacted me XXXX. This are the emails I sent money to XXXX XXXX Please please help me. They scammed {$3400.00} for me. This has effect my life so much. It Happen in XXXX and the bank has done nothing. At one point they said I was going to get my money back then they denied it. They have to have the recording where a person told me I was approved to get my money back. 
I have pictures and email that Im more then happy to provide. Please they used in email super similar to my neighbors.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a company that reports late payments and its affecting my score. the account is paid in full but reporting late payments the name of the company is XXXX XXXX XXXX and its reporting to all 3 credit bureaus
Consumer complaint received 2024-02-29
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. (TX)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (VA)

I've contacted Ocwen Loan servicing regarding incorrect information in in XXXX, XXXX, XXXX, XXXX, XXXX, many times in XXXX, XXXX, and more recently on XX/XX/XXXX. I've sent receipts detailing the mortgage pay-off ( {$180000.00} ) and yet they are still reporting that I owe money in the sum of {$3300.00}. This is inaccurate and I have also provided the receipt to XXXX along with other legal artifacts demonstrating exceedingly beyond a reasonable doubt that the debt has be satisfactorily met and that any reports depicting the contrary are fraudulent claims. 
My concerns have been elevated to the highest level of government in the state yet these issues persist. These are deliberate attempts damage my credit worthiness and are illegal practices.
Consumer complaint received 2019-03-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have asked requested the following personal statement be placed in my credit report and related to all who request my report. THe statement meets the word and character requirements but the reporting agency will not place this on my report as requested. 

" My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided copies of law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse reports to the three credit reporting agencies. Each agency gave XXXX & XXXX, notice as an adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the reporting of XXXX & XXXX adverse information. ''
Consumer complaint received 2022-11-30
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. (VA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

I found that one of my payments to your account have been labeled as late on my credit report. These missed payments were due to : Lack of information provided by One Mains XXXX XXXX branch. A payment did not go through on my checking account. When I checked the website to see my balance a week or two later, I noticed the payment did not go through. The following day I went to their office and I was told by One Mains XXXX XXXX branch that it was an error on their part and that they listed my account as a Checking and not a Savings account. I was told by simply switching the account information on file from a checking account to a savings account the payment would go through. It failed to go through again and once again was not informed as well as I see necessary. The account went thirty days past due, So i made a phone call to One Mains customer service line. They told me I needed a certain form from the branch I used to file a dispute. When I tried to talk to them about possibly filing a dispute and asked for the letter that customer service told me to ask them for, they were extremely rude and unhelpful at the XXXX XXXX branch and said no such form existed. I called back to customer service and the customer service representative I spoke with even told me they had a history of Not doing their job at that Branch. 

I have had 100 % payment history on all other accounts and until this error occurred was always on time with my One Main account. Since the late payment occurred for the above justifiable reasons, please correct the payment history at any credit bureaus that carry the history of my account with you, Including, but not limited to : XXXX XXXX XXXX It is imperative that my credit score reflect the good business relations I have maintained with all companies in the past. The corrections to the report will make it more representative of my financial habits. I sincerely hope you will not take into consideration my oversight with these late payments which, I assure you, will not occur again. I look forward to continuing our relationship and maintaining good financial habits.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied for a loan due to an emergency in my family that left my jobless to provide for my kids. I was denied a loan because of the information that is being reported to my credit profile. I have sent multiple letters to get these issues addressed and nothing has been updated. I am on the verge of a eviction because i do not have the funds to get a loan to find a new place of residence for me & my family because the bureaus are damaging my character and dictating my credit worthiness. I need this issue addressed & fixed IMMEDIATELY. i have been trying to get these negative incorrect items removed for the past few months and i have not seen any change & i am very frustrated and emotionally stressed which is causing my health to decline.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

We have a business building homes, we have been directly affected by XXXX XXXX. We have a XXXX credit card account and have had this account since XXXX, our credit limit was {$17000.00} we made XXXX payments in XX/XX/XXXX, XXXX on XXXX, and another on XXXX, the payment on XXXX was in the amount of {$9000.00}, after that payment, XXXX decreased our credit limit by {$9000.00} without any notice. We made this payment not only as a payment, but it was also to be able to use the card to make purchases like lumber and other building materials easier. Of course they are saying the account was a personal account and not supposed to be used for business? 
We have worked so hard to get through XXXX, even working when we had XXXX, we also called XXXX and let them know we were directly affected by XXXX XXXX, with their credit card relief, we are still having a tough time, and losing the XXXX is enough to put us out of business, not to mention our credit score dropped from XXXX to XXXX, which will kill any chance of acquiring any future construction loans. If there is anything you can do to help, we would sincerely appreciate it. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I made a mortgage payment in the amount of XXXX in XX/XX/22 which is the monthly mortgage payment which is not due until XXXX had an outstanding escrow balance and clearly told my mortgage company to credit this payment toward my outstanding escrow since they did not credit my acct for the monthly payment .my mortgage terms should not include escrow at all.but I want to pay the outstanding escrow before my next payment is due in XXXX so my payment will go back to XXXX instead of XXXX please help because they are holding the money in suspense instead of crediting my acct properly.thank you in advance for your help.
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/18 I Accidentally Missed One of my payments for the first time ever with my Department Card. After realizing the issue and not receiving a bill in the mail, I payed the bill immediately the same day I realized my accident. I have never missed a payment on any card and was refunded a late charge by kohl 's. They were able to refund me a late charge of {$38.00}.
Consumer complaint received 2022-11-30
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. (GA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give Transunion permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number.
Consumer complaint received 2019-03-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SUNTRUST BANKS, INC. (VA)

Fraudulently charging a maintenance fee every month after 6-7 months of account opening - signature advantage. I still meet the criteria as listed online - https : //www.suntrust.com/personal-banking/checking/suntrust-advantage-checking. Have Direct deposits of more than {$3000.00} per month and have a mortgage account linked to avoid the maintenance fee = {$20.00}. But without informing me they changed the agreement on backend saying that minimum balance needed to avoid maintenance fee = {$25000.00} Dates when reached out to SunTrust - XX/XX/XXXX, XXXX, XX/XX/XXXX - email exchanges. XX/XX/2019 - call to customer care. 

So, they promote some other criteria online to avoid maintenance fee and they change the criteria behind the scenes. Also, the maintenance online = {$20.00} vs what they are charging = {$25.00}
Consumer complaint received 2024-02-29
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. (TX)

I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have some issues with my current information not being updated properly. First up my name is XXXX XXXX XXXX, please remove ANY and ALL variations of my name they are not correct. My Job is XXXX please remove any other employer they are not accurate. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have attached my ID and SS card As proof of my only address. please remove all other addresses they are not mine!! I have 3 unverified accounts that have not provided the necessary request documentation to prove ownership or DOLA, anything I dont even know where these account came from please delete the following accounts : XXXX XXXX BAL. {$590.00}, XXXXBAL. {$320.00}, XXXX XXXX BAL. {$250.00}, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I understand the FCRA 611 and 623 to state there is a protocol and compliance standard to address these issues.