davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Issue : Transunion signed me up for a subscription service. The only actions I ever took with them was to freeze and unfreeze my report. I called customer service because their site started having login problems regardless of how many times you reset your password. It coincided with when this fraudulent charging began. I think they're doing it intentionally to prevent customers from being able to notice and cancel these subscriptions. 

XX/XX/19 - charged for " 3 credit bureau reporting '' {$21.00} XX/XX/19 - pending recurring subscription {$21.00} I have a screenshot taken today showing this service is not active on my account XXXX even prior to cancellation XXXX. 

The login problems still occur and I can show that as well if needed. Their site is full of problems and it wasn't like this before.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

According to the XXXX Website there is an outstanding balance of {$9900.00} in student loans. Previously 4 accounts consolidated into one. After applying for loan forgiveness. All loans were removed from the servicer, my credit report and federal student loans sites. I have proof of this, happening XX/XX/year>. In XXXX of 2022, loans reappeared on all sites. Resulting in a huge drop of my credit score ( down XXXX points ). The consolidated loan in the amount of {$9900.00} remains on my credit score. It also appears as current balance with XXXX. I have requested explanation of this from the federal student loan department, as well as XXXX with no response. I do not feel this was acceptable. I received email that all loans had been forgiven and have screenshots from federalstudentaid stating You currents do not have any federal loans or grants
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (IN)

This company works with places like XXXX to either approve or decline check transactions that are " likely '' to clear or not. I have contacted them several times and I get these overseas reps who are rude and indignant. I ask WHAT is on my " file '' with them that is causing XXXX to decline cashing my check. They proceed to tell me that " THEY CAN NOT PROVIDE THAT INFORMATION TO ME ''! 

How does a place that has my full SSN, among other things, not allowed to disclose information to ME?! XXXX and XXXX were the most ignorant people I have ever dealt with. I requested my file and never received it and when I called back, they give me this XXXX script that dances around the question of WHAT IN MY FILE IS FRAUDULENT?
Consumer complaint received 2019-06-26
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. (TX)

l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still there.
Consumer complaint received 2019-06-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

In reference to previous complaint # XXXX submitted on XX/XX/2019. Currently showing no response. They were allowed 15 days. This is an ongoing issue with Equifax and there lack of promptness and the habitual willfulness of negligence of the FCRA and noncompliance to investigations, method of verifications, and re-investigations. 

On XX/XX/2019, I Called Equifax again at XXXX and spoke with XXXX and I asked if I had any accounts in dispute. XXXX asked for my SS # and once I gave her my SS # she asked me what am I calling for, I stated that I wanted to know if my accounts are in dispute, she ask me why, I stated because I wanted to know. Then she put me on hold for 3 to 4 minutes. Once she returned to the phone she asked me for my personal information and verification questions. Once completed I asked the question again, do I have an active dispute open? Here is everything she verified and stated. A Dispute was opened XX/XX/2019 and it was completed XX/XX/2019 for Dept of Education for removing late payments, no changes were made. On XX/XX/2019 and on XX/XX/2019 the same day, it was completed for inquiries for XXXX it was verified. I stated that I received an email from autocap on XX/XX/2019 stating that XXXX XXXX XXXX has begun the process of having the inquiry deleted and theres no way they verified this inquiry. She stated that they can not delete inquiries and it will remain on my file for two years. On XX/XX/XXXX to XX/XX/XXXX confirmation # XXXX is not reporting on my report. XX/XX/2019 dispute completed the same day for address removal and name XXXX. On XX/XX/2019 letter received and completed on XX/XX/2019 XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX confirmation # XXXX it was submitted by certified mail on XX/XX/2019. However, the letter was not a dispute, it was a method of verification. On XX/XX/2019 a dispute was submitted for XXXX XXXX XXXX for late payment dispute still show on file, accounts were in deferment. On XX/XX/2019, but received on XX/XX/2019 no action was taken per XXXX ( consumer representative ) after receiving letter but they submitted a dispute without my request and XXXX agreed that I should have received a letter in 15 days and not a dispute per request as she read the letter provided to Equifax. She stated that she will note the file that I called in regards to the request for MOV and did not receive a response. XX/XX/2019 confirmation # XXXX and that was for collection XXXX and XXXX XXXX and completed on XX/XX/2019, XXXX XXXX was removed. XX/XX/2019 submitted a certified letter and XX/XX/2019 the certified letter was received by Equifax for dispute of XXXX XXXX, XXXX, and XXXX XXXX and received Driver License and SS # as well. XX/XX/2019 all accounts were consider verified.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

On XX/XX/XXXX  I attempted to login to my account an e-mail was never sent to verify me. I called and USAA told me to drive to XXXX ( several states away ). So they could verify who I am as they sent e-mails that never arrived to verify who I am. I somehow got verified and was sent a token but that token requires a cell phone to work which I do not own. I can not get into my account, I can not report that my account has been compromised and customers are not allowed to report the theft or compromise of their accounts without being verified. 
I made a request to close my accounts and that request was denied because they claim they can not verify who I am. I made a request to block my credit card or cancel my card and that also can not be done because they can not verify who I am. 
I finally made a request to removed/cancel my membership with USAA and they can not do that either.
Consumer complaint received 2019-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (PA)

First of all I would like to say that I enjoy being with your company and the service that you provide. I have been with your company for a while now ; you have always treated me right. In the past, I ran into some personal issues that caused my account to be late multiple times. I accept that fact, and Im not disputing this debt at all. I just need your help as these late payments are hurting my score and preventing me from getting approved for what I want. I have been paying on time for a while now, but my score is still suffering. If possible, can you please forgive the late payments as a one-time courtesy so I can get my financial life back? This would really help me and my family. 

Thanks
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Company name - Loancare My Email to Loancare ( XX/XX/XXXX ) - NO RESPONSE FROM THE COMPANY AFTER SEVERAL ATTEMPTS Please see below. I believe I have an issue with multiple payments made towards Mortgage Insurance. 
You can see on the ledger below that three payments were made in XX/XX/XXXX, one for {$220.00} on XX/XX/XXXX, and one for {$450.00} ( a double payment ) on XX/XX/XXXX. 
At that time, I spoke to our loan servicer ( XXXX XXXX ) and they assured me that the double payment made in mid XXXX would be noted and applied correctly ( applied to XXXX and XXXX of XXXX ) and at that time, we had a credit with the mortgage insurance provider. 

I now see that Loancare made an additional payment on XX/XX/XXXX ( applied XX/XX/XXXX ) for {$220.00} towards our mortgage insurance. I am confused as to why a payment would be made when we were told we had a credit through XXXX on the account. 
Please confirm and advise how this will be reconciled. 
Thank you.
Consumer complaint received 2018-04-18
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: EQUIFAX, INC. (FL)

I was promised numerous times by representives from XXXX XXXX that they would remove XXXX XXXX from my credit reports because I never received or ordered any items from XXXX XXXX I have been promised XXXX XXXX  would remove this since XX/XX/XXXX and it is yet to be removed
Consumer complaint received 2018-04-18
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. (NV)

I have sent several letters to the credit bureau asking to have student loan that was paid removed from my credit report this has not been or corrected and I don't believe it was investigated because I called the Board of Education and the Debtor myself only to be told that I do not have an account in default with them. I am also in school and have checked the status of those loans and they are in deferment I have sent several request only to get the same response please help
Consumer complaint received 2019-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

In mid-November 2019, BOA advertised a promotion for {$100.00} if you have direct deposit for 90 days. I visited the XXXX, MO, location and opened the checking account on XX/XX/XXXX. My direct deposits have been made biweekly since ; however, I still have not had the {$100.00} credited to my account. I have followed up several times by calling the customer assistance number, each time getting a different person and location ... even someone in Alabama. One representative told me I have to wait 180 days to receive the {$100.00} credit. In XXXX when I followed up, I was told the representative forgot to notate my account but the matter has been escalated. I have not heard back at all since that time. I have been getting the runaround and I feel BOA is being deceptive in their advertising. I want my account credited immediately for the {$100.00} advertised and an additional {$25.00} for the lost interest and use of the funds. I should not be penalized for their error.
Consumer complaint received 2019-06-26
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. (AZ)

I hired XXXX 's XXXX to repair a power outlet on my computer. They came out to my house XX/XX/XXXX to do the repair. The charge was XXXX. They did not fix the problem, I called them back to fix the problem yet again. They came back out on XX/XX/XXXX and charged my card XXXX without my consent. The problem was still not fixed. I called them again and this time they would not return my calls. I disputed the charges with my credit card company because the service I paid for was not received. The said that by just showing up at my house I owed them the money they charged me. {$260.00} later computer is still not working and Chase is refusing to help me.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, XXXX  and Experian. I only got response from XXXX but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX provide. So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid. 


My other half ( my co-borrower ) and I requested pre-approval letter same time and we both faced same issue. XXXX removed inquiry from his report and waiting for other two to remove from report. So, I tried to reach directly to them to resolve issue without complaining on this platform. But it was really really tough to reach them over the call.
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

The following was my message to HSBC. 

" My credit card account ( XXXX ) was closed after HSBC asked me to use it before by the XXXX of XXXX because it was INACTIVE. I made 2 charges and now there is balance of {$130.00}. There is NO WAY to make this payment. I need access to resolve this issue QUICKLY. If I don't hear from you by the close of business XXXX XXXX, 2019, on how I can complete a payment, I WILL FORWARD this COMPLAINT to the https : //www.consumerfinance.gov/ or The CONSUMER FINANCIAL PROTECTION BUREAU. HSBC does have to LOCK me out before I can make the payment. This looks like a XXXX  PRACTICE to get me to DEFAULT on my payment so that HSBC can hit me with LATE FEES and PENALTY. I called your customer service and an bunch of XXXX who CAN ONLY SING ENGLISH was TALKING XXXX. I need professional RESPONSE from people who are interested in RESOLVING this ISSUE. '' I contacted HSBC via their INTERNAL messaging service and they DID NOT HELP in resolving this issue. HSBC practices FRAUD and XXXX via OFFSHORE CROOKS. Their MANAGEMENT at HSBC thinks that EVERYONE in the US as STUPID as they are. 

My phone number is ( XXXX ) XXXX.
Consumer complaint received 2019-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

I XXXX XXXX ; XXXX am writing you today as an aggrieved man. I notified PNC Bank of unauthorized transactions on my account a week ago. I have yet to receive my stolen funds back into my account! The claim number is as follows, XXXX.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Consumer complaint received 2022-07-11
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: CITIBANK, N.A. (CA)

Charges were made on XX/XX/2022, for the amount of {$540.00} XX/XX/2022 MEMBERSHIP FEE JUN 22-MAY 23 {$0.00} FOREIGN TRANSACTION FEE {$270.00} INTEREST CHARGED TO STANDARD XXXX {$59.00} XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$890.00} XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXXXXXX XXXXXXXX XXXX - {$2.00} XXXX XXXXXXXX XXXX XXXX {$890.00} XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXXXXXX XXXX XXXX {$540.00} XXXX XXXXXXXX XXXX XXXX {$830.00} XXXX XXXXXXXX XXXX XXXX {$870.00} XXXX XXXXXXXX XXXX XXXX {$890.00} XXXX XXXXXXXX XXXX XXXX {$830.00} I filed a dispute online and by phone. Have reached out for help through CitiBank XXXX page. Filed a complaint with XXXX, XXXX, and XXXX. Emailed XXXX XXXX XXXX of CitiBank.
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (SC)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

On XXXX XXXX, I started a car insurance policy with XXXX XXXX. The policy effective date was from XX/XX/XXXX - XX/XX/XXXX and the TOTAL premium was {$990.00}. I made my first payment of {$160.00} on XX/XX/XXXX. Shortly, after I made my first payment, XXXX tried to increase my premium. Thus, I cancelled my policy with XXXX via email and started a new car insurance policy with XXXX XXXX on XX/XX/XXXX. With that being said, I do not owe XXXX XXXX anything! Yet, XXXX is claiming that I owe them {$1000.00} and has either sold the debt to Credit Collection Services or hired CCS to collect the debt. Thus, CCS is now reporting on my credit reports that I owe them {$1000.00}. I have disputed the alleged debt with the credit bureaus and it came back as 'verified and accurate '. Therefore, I wrote a letter to CCS asking them to validate the debt by providing me with an original contract bearing my signature and full accounting for the amount claimed to be owed. In their response, CCS didn't provide me with either of the two, but instead, a bill printout from XXXX 's website. Lastly, I called CCS and spoke with a manager, XXXX. Basically, XXXX stated that although CCS does not have the necessary documents to validate this debt, CCS will not stop reporting to the credit bureaus, unless I could provide proof of my new insurance policy and notice of cancellation. I have provided the requested documents, even though, legally, I am not obligated. Please see attached.