davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The TransUnion website is designed in a way that leads individuals attempting to dispute and/or validate information on their respective reports, to an " ORDER NOW! '' page for " TransUnion Credit Monitoring ''. 

This directly inhibits an individual 's right " to dispute incomplete or inaccurate information '' provided under the Fair Credit Reporting Act. 

Notably, " TransUnion Credit Monitoring '' is a subscription service ... So any desperate consumers opting to sign up for " TransUnion Credit Monitoring '' just to be able to dispute information ; are at risk of being blindsided by TransUnion at a later date by the associated costs. 

I have attached a number of screenshots of the TransUnion website. Note that any red in the images was added for notational purposes, and was not on the actual webpage ( s ). They should be viewed in the following order - which has also been indicated in the file names : 1 ) XXXX 2 )  XXXX 3 )  XXXX 4 ) XXXX The FIRST image ( XXXX ) is of the " Dashboard '' /landing page of the TransUnion website upon logging into a TransUnion account. Note that the " TransUnion Credit Monitoring '' advertisement is also displayed on this page. 

The SECOND image is the page reached when clicking on " Dispute Center '' ( as indicated with the red arrow in the FIRST image ). 

The THIRD image is the page reached when clicking on " START A DISPUTE '' ( as indicated with the red arrow in the SECOND image ). 

The FOURTH/FINAL image is the page reached when clicking on the " refresh your TU report '' link ( as indicated with the red arrow in the THIRD image - also note the red underlined text ; this page explicitly tells the user to follow the link before starting a dispute ). The " TransUnion Credit Monitoring '' advertisement seen here is visually the same as the one in the FIRST image ; but is displayed from a different page of the website ( " Credit Report '' as opposed to " Dashboard '' ).
Consumer complaint received 2023-09-29
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC (AR)

A company called ERC out of XXXX, FL has tried contacting me about a debt from XXXX XXXX that I do not owe. When I contact XXXX XXXX they said that our account is paid and they do not know why ERC is contacting us. I have told ERC to stop contacting us, they are now calling friends of ours saying that they are looking for me so they can collect a debt. This is harassment. 
The account number is XXXX
Consumer complaint received 2019-06-21
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: STERLING JEWELERS, INC. (MA)

I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2014 - Late 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (TX)

I had gotten a loan to get beds from a store. Was told and set dates for payments the XXXX of each month. Suddenly was charged and got a bounced charge from bank. On the phone with their collections was told some XXXX dollar payment was put through and would be again today. I stated this is not authorized and I was told 1 month not 2 week on payments now leaving me XXXX in the bank currently. XXXX will not work with me and pushing for a payment now even tho that's not what I agreed upon
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX reported me 3-4 months late On a credit card balance of {$19.00}.

They reported this to all three credit bureaus and it has affected my credit score.

Contacted XXXX on XX/XX/XXXX and they told me that I have a XXXX balance as of XX/XX/2018 when they closed my account. 
I never received a statement from XXXX for months cause I had not made any charges on the card! 
XXXX would not contact the three credit bureaus on behalf to settle this problem!
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (IL)

Hi XXXX  has a 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 XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name 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 six negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 accounts 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 XXXX more than 10 times. XXXX  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 homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NC)

I have had an account with American Express for 40 years. In XXXX I had major health problems and was hospitalized majority of year. I had 3 payments returned but immediate corrected with another payment method. I stayed in constant touch with them thru the entire ordeal and was complimented on staying on top of everything with my hospitalization. Even got a letter saying they would not raise my rates under the circumstances. Then out of nowhere months later I get email saying both my accounts have been closed due returned payment. I called and they gave me run around and said nothing can be done. I did email my complaint to Amex ceo as well. After 40 years I cant believe Im being treated like this. I would like my accounts reinstated. I am current on my bill and under my credit limits.
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

New Rez who we have our mortgage with took two payments out for XXXX. I called them on the XXXX of XXXX and also on the XXXX of XXXX. So far they haven't put {$810.00} back in my account. Took the money out on the XXXX of XXXX. Phone number is XXXX.
Consumer complaint received 2021-10-15
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. (IL)

Hi XXXX  has a 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 XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name 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 six 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 accounts 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 10 times. XXXX  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 homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc. (FL)

I have had this company find ways to get in touch with relatives of mine they found phone numbers to relatives I did not give to them. They have threatened my relatives that I was going to jail if I didnt pay the debt, they have also told them my personal information that was suppose to be kept confidential.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This CAPITAL ONE item is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (PA)

I am writing to delete the following information in my file. The items I need suppressed are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HANCOCK WHITNEY BANK (LA)

i have a checking account with hancock whitney bank which i have over draft protection 0ver the weekend of XXXX XXXX and XXXX i used my debit card which when you shop and use debit the money comes out account automatic.i used debit for each purchase. when the XXXX came they ran a check i had wrote however instead of the debit through for the three small debits which should have came out automatic they ran check first so that they can charge three different times instead of the one time for the check. this is not the first time they have don this
Consumer complaint received 2019-06-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MO)

To be clear, I currently have my loan paid in full. I had to take out another loan to pay the student loan off once it was sent to Navient. Navient placed up to 82 % of my payments toward interest instead of principal. It appears they utilized my inability to pay more on my loan at the time to increase the duration of the loan and, therefore, increase their profit toward interest.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (LA)

In XX/XX/XXXX charges that I did NOT authorize appeared on my statement. 
This is with Robinhood and the bank they use. In XX/XX/XXXX when I found out about the charges, I made the dispute totaling {$530.00}. They provided credit for this dispute. Robinhood then with no reasons given to me reversed the fraudulent charges. The charges happened in a different state where I had never traveled to a day. I feel that Robinhood never investigated my claim. 

I cashed out my stocks right before the fraudulent charges to settle an account deficit I already had. Then my information is used at XXXX and several other places I never authorized. 

Now Robinhood has no idea what I'm talking about despite the email records of said disputes. 
They hang up in my face when trying to speak to them.
Consumer complaint received 2019-06-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX I called Capitol One to find out about their international incoming wire procedures and fees. I was told that they ( Capital One ) does the foreign exchange and can charge up to a {$14.00} fee for the service. I had over $ 648k AUD in XXXX to move to USD. I called my other bank as well to figure out the best plan as I had a choice to send it in AUD or USD. If I sent in USD, there would be an intermediary bank doing the fx which is normally lower rate plus their fee. Based on the information given by Capital One, I wired it to them in AUD. 

When my wire came in, it was much lower in fx than expected. I called Capital One again to be given wrong information and was told it was sent USD. Capital One told me that they would not accept foreign wire in on my account and I was given instructions based on another type of account and they would have rejected it. I called XXXX who confirmed it was sent AUD as I instructed. 

After numerous calls to Capital One they finally told me that they instructed the intermediary bank to do the FX, which is again a lower exchange and higher fee. I would have never used Capital One had they have given me correct information. I lost anywhere between $ 5- $ 12k on the exchange. 

Capital One said they listened to one of my phone calls and confirmed that the agent gave me information on their retail account and not based on my type of account ( 360 ). Ive sent numerous emails and have called and they stopped returning my calls or emails. Capital One had no authority to instruct the intermediary bank to do the foreign exchange and should have rejected the wire. Or they should have given me the correct information so that could have sent it to my other bank who would do the exchange themselves or I would have done the fx in XXXX via XXXX. 

They have not accepted any responsibility for their error and bad information which cost me a significant amount of money which also delayed closing on my house purchase because I was short $ XXXX.
Consumer complaint received 2019-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/2019 I made a transfer on PayPal to a seller I was buying a tv from the amount was XXXX   US Dollars. The seller is in the XXXX XXXX, we had been in contact for about a month about a tv, when we agreed on a price he said he only takes PayPal so I made an account on the same day before sending the money, He told me sending it as Friends and family is a faster, safer and costs less than a business transaction, being new to PayPal I had no idea that if I did not pick it as a business transaction I would have no buyer protection. After the money was sent he blocked me on all contact medias I could use to communicate with him. I asked PayPal if I could open a dispute or refund but they said the only thing they can do is contact the seller which I have gkt no feedback since then. I tried contacting my bank to revert it but they said the transaction has already occurred.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Around XXXX or XXXX of XXXX  I was removed as an authorized user from the following company Creditor Information HUNTINGTON NATIONAL BANK HUNTINGTON BANKS XXXX XXXX XXXX XXXX, OH XXXX On my credit report it's showing as a {$0.00} balance as it should, because I'm no longer responsible for this card, the original owner is. Today on XX/XX/2023 I was checking my XXXX XXXX account and my score decreased over XXXX points because the person responsible for the account is no longer making their payments on time. I shouldn't be held responsible for an account I'm not an authorized user on. I submitted a dispute, I have yet to hear back from the company. I'm in the process of purchasing a house and they have ruined those chances because of this ERROR! Huntington should be held responsible for this error, it's not fair to me, a consumer to suffer the down fall of someone else 's mistakes/actions.
Consumer complaint received 2019-06-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (NJ)

I missed a payment in XX/XX/XXXX i have not been able to make up the payment they start calling after the XXXX of every month up until the XXXX of the next due date they call 3 to 4 times a day and leave voicemail and text messages i spoke to the rep in XXXX and advised her that i will make a payment before the XXXX she stated that i have to make an arrangement for them to stop calling. Im filing a claim today because they have called me 3 times when i spoke to the rep i advised her that of how many times they call me a day and i also advised her of title 8 she told me that they are allowed to call that many time i told her that i feel like i am being harrassed im at work and they keep calling my mail box is full i empty it and it gets right back full. Please advise me.
Consumer complaint received 2022-12-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I have been over paying in my escrow since XX/XX/XXXX and now its XX/XX/XXXX. I was with XXXX  which I reported this issue to them 3 times. Then in XXXX they switched over to a new company called newrez. I have reported this issue to them twice they are not doing anything. The issue is they are saying that my mortgage insurance is around XXXX yr, and no its not its XXXX. I asked for two escrow analysis and they still yet to fix the issue
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

Synchrony bank charges off the debt and sold it to XXXX XXXX. XXXX and Synchrony bank both showed the balance for the debt and both tried to collect on the debt at the same time. I paid XXXX XXXX and they deleted the reporting and synchrony bank charged the debt off again on my reporting as if it was a new charge off for XX/XX/2019. They then made the balance XXXX. This is unfair and illegal debt practices. The synchrony bank rep said it would be deleted as well however its still reporting and reporting as a new negative impact on my report.
Consumer complaint received 2018-10-02
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. (NC)

After months and several attempts of trying to get the credit bureau to verify the information being reported on my credit profile, they have not cooperated. I've reached out to them several times to try and resolve this matter but they continue to blatantly break the laws set in place to protect the consumer. They refuse to supply me with a report detailing their methods and procedures used during their investigation. They have not produced any evidence that the information is accurate what so ever, yet they continue to violate my rights and report inaccurate information that negatively affects me.
Consumer complaint received 2018-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation (TX)

My loan charged off due to a job loss, I have started making payments to XXXX XXXX, however my monthly {$50.00} payments is going towards the interest and I will never be able to payoff the loan. 

I thought there was no more interest once the loan has been charge off, I have {$200.00} in payments and only {$60.00} has been placed against the principal and {$140.00} has been place towards the interests. 

I can't get a payoff, I would have to pay {$3000.00} to payoff a balance of {$1300.00}, for example I paid on XX/XX/18 {$50.00} towards a {$1300.00} balance and now the balance is {$1300.00}, this is a ripoff. 

Please help me settle this because I am unemployed, however I am still trying to pay my debt, but with this system, I will never be able to pay off this debt.