davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Consumer complaint received 2018-11-01
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)

XX/XX/XXXX I disputed {$2500.00} in charges from XXXX XXXX. to Capital One. 
XX/XX/XXXX I called them and they said they were working on it. 
XX/XX/XXXX Called again. Got the same answer. 
XX/XX/XXXX Called again. Got the same answer. 
XX/XX/XXXX paid off the account and closed it. 
XX/XX/XXXX they put {$2500.00} credit on my closed account and never informed me. They sent a check that my wife thought was the XXXX settlement. She paid off another Credit card. 
Now they are sending me statements for the XXXX at 25 % interest. I've asked them to work with me by at least lowering the rate. They say they can't. I don't think they should be allowed to put funds into a closed credit card account. 
Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT.XXXX  I don't have that credit card anymore. I know it ends with the # XXXX.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I sent certified letters to the three bureaus and they have neither responded nor verified the items from my report. Here are the items : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2018-11-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc (WA)

I rented a car from XXXX XXXX in XXXX on XX/XX/XXXX to XX/XX/2018. The cost quoted for the rental ( Confirmation # XXXX XXXX was {$180.00}. In the evening of XX/XX/XXXX, the engine of the car began to have issues and broke down. I called XXXX and on the phone they said they would cover the cost for the tow of the vehicle and for my Taxi to XXXX ( but instructed me to pay only for the taxi and submit for reimbursement ) and that they would provide a new car in XXXX. I did all of this. Upon returning back to the USA I noticed a charge in the amount of {$850.00} of which there was a XXXX Euro " Customer Road Assistance Charge '' which I not only did not authorize but also was explicitly told would be covered by XXXX. I also have comprehensive rental car insurance through my XXXX credit card but did not submit to XXXX for this cost as XXXX said they would cover the costs. In XX/XX/XXXX, I contacted XXXX XXXX by phone and by email to ask that this over charge be removed ( XXXX Customer Care Case # XXXX ). I was told " branch management '' would review but I never heard back despite emailing again to follow-up. So I then disputed the transaction with my credit card. I submitted my documentation to XXXX for the disputed amount of {$660.00} ( the difference between my reservation quote and the disputed charge ). XXXX XXXX submitted their documentation and in XX/XX/XXXX XXXX sided with my claim that the charge was fraudulent and reversed the extra {$660.00} charge and closed the dispute ( I have the communication from XXXX if needed ). In XX/XX/XXXX, I was sent a communication from XXXX, XXXX, and XXXX XXXX XXXX ( XXXX, OH ) that " XXXX/XXXX XXXX XXXX '' has requested that they collect from me an amount of {$590.00}. In early XX/XX/XXXX, I filled out the online XXXX Account Dispute for XXXX, XXXX, and XXXX that this charge is not valid. by XX/XX/XXXX, I had not heard a response so that day I sent a certified, signature required letter that the debt be validated and that the overcharge be disputed ( XXXX File # XXXX for client # XXXX ).
Consumer complaint received 2018-11-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

We have submitted several mortgage re-modification forms to Carrington Mortgage through XXXX - XXXX XXXX XXXX XXXX XXXX ( a non-profit organization ). 

I followed everything XXXX advised us to do for this process. We had two RMA forms submitted since XX/XX/2018. 

Then we get a notice for foreclosure sale date. 

I do not know why the first application was denied. They claim the second application was in-complete.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Section 605b of the Fair Credit Reporting Act requires bureaus to block from display, all items received that are fraud : 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have disputed a number of items of fraud after my identity was stolen ... ALL these items remain on my file. They are as follows : 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 ( XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXXs ( XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX )
Consumer complaint received 2018-11-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northwest Collectors Inc. (DE)

The debt owed is {$600.00}. I made a payment of {$50.00} two weeks ago and they keep calling my husband 2-3 times a day stating they are going to take legal action. I called today to try to make a payment arrangement for the renaming {$550.00} balance. I wanted to pay {$100.00} a month for the next 6 months to pay off the balance. They informed me I could only do 3 payments and state so I could only do {$100.00} due to our current financial situation. The company representative was very rude and stated fine call back when you want to pay the amount in full. I then asked to speak to her supervisor. The supervisor informed me they do not do payment arrangements and stated I had to pay the full amount. I said I could not afford their payment and she said well you should of figured that out with the XXXX center. I ended the call there.
Consumer complaint received 2023-03-21
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. (OH)

My personal information was exposed in various data breaches and someone has successful opened up accounts and applied for good, services, and money without my consent. All accounts and inquiries included were unauthorized and I need them removed immediately. I'm looking to apply for a mortgage and these unauthorized accounts are ruining my reputation with the banking system.
Consumer complaint received 2022-07-11
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. (IL)

These companies are all about making a buck. They don't care about information on your reports that don't belong to you. I've been disputing these XXXX inquiries for months, nothing. Help me get this off!!
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian, XXXX and XXXX have reported a 60-day late payment indicator on my credit report with the creditor, ( XXXX ), which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$10000.00}, which the account was opened XX/XX/2011. I have never paid 30-days late and when I contacted XXXX, they said that their system is not showing it and that I am current and they did not report that 60-day indicator on the account. This is the 1st time that this done happened to me and this is negatively impacting my credit rating and credit report. I want this issue corrected immediately because this is negatively affecting my credit rating with Experian, XXXX and XXXX and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!
Consumer complaint received 2022-07-11
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. (IL)

These companies are all about making a buck. They don't care about information on your reports that don't belong to you. I've been disputing these XXXX inquiries for months, nothing. Help me get this off!!
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank is a company filtered in and obviously in lies. I had several accounts with them. They saw this, I was able to pay on time every month and pay off balances with no effort, but apparently they did not like this, so they instituted an universal shut down. I feel that XXXX played a part on my XXXXXXXX XXXX  and XXXX  and determining how they respond will determine if I go XXXX on them. My mid XXXX XXXX is XXXX and they have discriminated against me for the final time. I want compensation from them or I will SUE them and I will win. I have documented proof that XXXX exists and I am ready to call attorneys that will take them and their corporate attorneys down.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Consumer complaint received 2022-03-14
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. (FL)

Pursuant to 15 U.S. Code 1666b - Timing of payments each person reporting LATE on any of my accounts on my consumer credit reports are in violation! Experian, XXXX, XXXX, you all have failed to comply with Federal and State Law. All my accounts needs to be updated as PAID ON TIME. Pursuant to 1681 ( a ) ( 4 ) unfair reporting of information before consulting with ME. I have disputed these items at first, and you verified them without consulting with me. They ( Experian, XXXX, and XXXX do not even have proof that the alleged transaction took place & they we're impartial in their actions because they furnished unverified information based off of one sided information ( from the corporation alone ) and by the way they ( Experian, XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnk ) held a conversation without my knowledge about me & my private business & communicated unverified data that's definitely an infringement on my right to privacy & they weren't there to witness that transaction so the information they have is here say it NOT factual information.

Pursuant to 1681 a ( d ) ( 2 ) ( a ) ( i ) you are in my personal business and that is a violation.

There should NOT be ANY LATE payments on my account for any reason. This is a demand, I am not asking nor am I telling you to Investigate because it is clear and evident you are not to be trusted. So you listen to me and comply with my demands. You have to correct your errors right now! CFPB or FTC forward my demands to the following persons mentioned, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all have violated section 15U.S.C 1666B timing of payments. ALL PERSONS THAT VIOLATED WILL BE ATTACHED.
Consumer complaint received 2018-11-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (OK)

Contacted this agency to resolve a debt that i had with best buy, I had called in to get an acct number and an address to where to send the payment, she wanted to know my whole history as to why i did not pay, when i will pay? I told her i just needed the acct number and address to send payments to for now, and that the reason i called. She just continued to ask, how much are you going to send and why were you not able to pay, and I kept telling here, i only need the address and acct number, she finally got to giving me that info but rudely just blurted the acct number and address so fast, assuming I am a speed writer, to which i told her that i wanted to speak to her manager .XXXX the manger who i should say was trying to be professional but was on some power trip trying to prove him self right by saying his rep was ok in how her dimenour was in bluurting out the acct and address, further telling me that his agent assumed that i was a speed writer. These agency 's really need to be held to a high standard, in life tings happen, people lose jobs etc and agency 's like this really look down on people, is my perspective. XXXX did say he was going to get with their compliance team within the organization but we all know where that is going ..
Consumer complaint received 2018-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (PA)

There trying to find a certain person that is not me and they Have contacted Me Numerous times i do not associate or know the person they are trying to get ahold of and they Keep Calling me reapedtly and it needs to stop.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE (OH)

APPLIED FOR CREDIT CARD FROM HUNTINGTON BANK, RECEIVED LETTER DATED  XXXX    XXXX ,2017  THAT 'THERE WERE EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. ' I WAS UNABLE TO GET ANY REPORT FROM CREDIT REPORTING (  XXXX ,  XXXX  ... WHICH WOULD SHOW WHERE THIS INFO WAS COMING FROM. I HAVE ONLY SMALL CR. CARD DEBT WHICH I PAY ENTIRELY EACH MONTH ... NO MORTGAGE OR ANY LOANS FOR CAR ETC. HAVE PLENTY OF SAVINGS ... MONTHLY INCOME WHICH TAKES CARE OF MONTHLY EXPENSES BY ITSELF ... ..  XXXX   XXXX  HAVE LIVED IN  XXXX   XXXX   XXXX   XXXX   XXXX  FOR  14  YRS. BEFORE THAT @  XXXX   XXXX   XXXX   XXXX . ALSO IN  XXXX  FOR  29  YRS.
Consumer complaint received 2022-07-11
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. (OH)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX  Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX  Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXXXXXX Account Number # XXXX XX/XX/XXXX ) 15 U.S.C. 1681 Section 602 A states I have 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.
Consumer complaint received 2018-11-01
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPL Recovery Solutions (CA)

JPL Recovery Solutions is a debt collector that has been calling my work at different clinics locations, family members, friends, and previous housemates claiming they are " doing research '' on myself. They have contacted family members several times and over the last week they have contacted my job three times ( XXXX ). I requested that they do not contact my work as they have my personal line, they stated the calls will not stop and they will continue to call me at work because they will be garnishing my wages, although I have not received any details of a lawsuit for garnishment of my wages. I requested that they send me the details of the debt they are attempting to collect to my address, and the representative took down my address and said they will be sending me details of the wage garnishment to my address at work, instead of my home address and hung up the phone before I could decline. Their calls are very harassing and disruptive of my work place. They have also given me various amounts of the debt I owe from {$18000.00}, {$16000.00}, {$4500.00}. I have spoken to XXXX at least XXXXhree times as well as two different supervisors. They have been rude to other employees I work with who have answered their telephone calls. I have no written documentation of these amounts despite requesting a letter confirming they are a legitimate debt collector or representative of the company that I owe.
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I am XXXX Lifetime, XXXX through California XXXX XXXX XXXX Retirement Lifetime Pension. 
On Thursday XXXX XXXX XXXX XXXX XXXX XXXX my pension funds to my close account in ending # XXXX and new account ending in # XXXX was implemented so my XXXX Pension would be directed and deposited and funds be available to me in my account # XXXX on XXXX XXXX. 

So l can purchase my Prescription Medications for my XXXX. 
Chase XXXX stated on recorded phone conversation on XXXX XXXX around XXXX or XXXX California time, that l have to wait for XXXX business days, so l can have my funds on my new account. 
Chase Bank administration has violated my XXXX XXXX Civil Rights Act under Department of Justice and this is a Discrimination and Retaliation against me as a XXXX Military Veteran. 
Chase bank administration shouldn't have to hold my XXXX pension funds for two days. 
They also placed overcharge fees on my new account. 
Very Urgent Matters
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items listed on my credit report. Upon reviewing my credit report, I noticed two negative items that require immediate attention. 

Firstly, I found an inquiry by XXXX XXXX XXXX XXXX on XX/XX/XXXX, which was not authorized by me. I have no recollection of authorizing this credit pull, and therefore, I demand that it be removed from my credit report immediately. 

Secondly, I noticed an account listed under the name of XXXX XXXX XXXX XXXX XXXX XXXX with an account number of XXXX. I do not recognize this account and kindly request that you investigate whether it belongs to me. If it does not belong to me, please delete it from my credit report. 

I understand the importance of maintaining a good credit score and I am taking the necessary steps to resolve these issues as soon as possible. I would appreciate your prompt attention to these matters and the removal of these negative items from my credit report. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (WA)

The issue is two fold. The first problem started with an authorized ACH withdrawal of {$60000.00} from my Discover XXXX Account on XX/XX/2022. I saw the charge the day of and immediately went to work trying to get ahold of Discover Financial Services XXXX team to report the Fraud and get the investigation going to meet any reporting timelines. This is where the second issue starts. I've been on hold for hours and the Discover XXXX Team will not answer. Each time after hours of holding the call then drops. As a military service member I don't have the free time to continually make these phone calls and wait. I have the phone call records to show the times and duration of the calls. I've reached out on Discover 's secure message center as well. I also have come to understand this is not a new issue with Discover 's banking side and that multiple people have reported similar issues.