davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX- XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXXY XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2019-09-01
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. (MN)

XXXX XXXX XXXX decreased my credit limit, and significantly increased my interest rate, based on incorrect information obtained from XXXX. This resulted in it being impossible for me to meet the minimum monthly payment due. I tried to contact XXXX to determine the source of this incorrect information and was unable to reach anyone. I tried multiple times and was unable to reach any live person. As a result, this credit agency is impacting my financial status and I am unable to reach anyone to have it corrected. This seems like a violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-10-29
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have disputed the late payments on this XXXX XXXX**** account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was looking for a vehicle before i went to the dealership i went there with a XXXX  XXXX auto  preapproval loan. they told me that they use XXXX XXXXXXXX as a bank lender. when i got there they decided to not even use my XXXX XXXXXXXX auto approval and ran my credit with other companies without my consent. because of the fact they didn't have XXXX XXXX XXXX as a bank that they work with. instead of buying honest just to make a car sale
Consumer complaint received 2022-03-13
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. (NY)

I was taken advantage of due to malpractice while several laws have been broken under the FCRA. This has caused me financial turmoil, defamation of character. The reporting of this false information has hurt my ability to obtain credit.
Consumer complaint received 2022-03-13
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: Experian Information Solutions Inc. (NY)

I was taken advantage of due to malpractice while several laws have been broken under the FCRA. This has caused me financial turmoil, defamation of character. The reporting of this false information has hurt my ability to obtain credit.
Consumer complaint received 2022-02-18
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: CLGF Holdco 1, LLC (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I was charged by XXXX XXXX from XX/XX/2021 every month until XX/XX/2021 contacted my bank they canceled my card and then told me the charges were authorized But I didn't authorize them contacted XXXX and they said they need the account info to refund it bur I've never had a XXXX account
Consumer complaint received 2018-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (GA)

This complaint is about 1 ) undisclosed fees and 2 ) unfair charges/unfair business procedures that result in a negative cost to the payee to return the money order amount to Western Union for resolution. The payee ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) would be out a negative - {$2.00} for a 13 month old {$50.00} check, if Western Union policies were followed in order to collect on this {$50.00} check. 
Facts ; Western Union money order purchased XX/XX/XXXX in the amount of {$50.00} at a XXXX Grocery Store Agent # XXXX dated again XX/XX/XXXX Transaction XXXX by purchaser XXXX XXXX, ( a retired XXXX Veteran ) XXXX XXXX XXXX XXXX, GA XXXX. 
Check was sent to Payee to repay a debt/personal loan of {$50.00}. 
Check was misplaced for one year. Check was discovered & deposited on XX/XX/XXXX to Payee 's checking account at XXXX XXXX XXXX. Check bounced & payee was charged {$5.00} Returned Unpaid Check by Payee 's XXXX XXXX XXXX. 
Reverse side of check says checks over 1 year old will be charged $ XXXX/mon over 12 mos. Western Union many calls to Customer Service resulted in numerous tasks and online submission of claim affadavit that must be completed by Payee, Printed, Notarized, then Submitted to Western Union office. Payee would be returned {$32.00}, minus a new {$30.00} Administrative Service fee, resulting in a check for {$2.00}.

After a completion of all this, Payee would still be out - {$2.00}, since Payee 's bank charged {$5.00} when Western Union check was deposited on XX/XX/XXXX. 

During the many calls & conversations with Western Union Customer Service today, phone XXXX, we were 1 ) put on indefinite hold 2 ) transferred to ESOL Customer Service Agents 3 ) Instructed that they were unable to hear us our our complaint. 2 times, we were instructed physically dreive to XXXX, GA ( we live in XXXX, GA ~130 miles away ) to try and resolve this issue.4 ) We were instructed to go online to westernunion.com, click on HELP, Write in " How do I request money order refund '', click on Payee, Complete & Print all forms, have all these forms  notarized, make photo copies & keep for our records, Send originals to Western Union as per instructions on website. 
After doing all the above, we were told that Western Union would send a check to Payee XXXX XXXX for {$2.00} ( the amount Western Union felt that were due since their new checks Service Charges are now {$1.00} per month for any checks over 30 days old. ) If you check the back of the enlarged Western Union Money Order sent to Payee, It says that the amount of $ XXXXmonth for any Money Order over 1 year old ( not 30 days old ). 
These type of unfair practices prey on the most needy of our society who can not manage their funds or a checking account. 
Please note, The Payee is not a Veteran -- The Purchaser of the Western Union check is a retired XXXX Veteran who has difficulty managing his money. The Payee is his older  brother who helps him out from time to time.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I opened a credit card on received it on  XXXX   XXXX   2017 , I was billed a {$75.00} annual fee on  XXXX   XXXX   2017 . On  XXXX   XXXX  my account was closed by the bank.   I asked to have my annual fee refunded and was advised that after the statement date I would be receiving the {$75.00} back. on  XXXX   XXXX  i Reached out to the bank and was told that i would not be receiving a refund.
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (VA)

I received a call XXXX XXXX on Tuesday XX/XX/2018 they lady was very rude and wanted information I was not comfortable giving and after I asked 3 times to not call me and only communicate with me through mail or email she said no we will just call back later then and hung up. She also kept saying how are you going to pay and this is the 3rd collection agency for this debt which is not true
Consumer complaint received 2018-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

On XX/XX/18 I realized that I never received an email for my XX/XX/18 billing statement due XX/XX/18. I emailed XXXX  XXXX and let them know that I did not receive my bill. They suggested that it may have gone to spam, which is weird because it never had in the few years I have been paying back my loan. It was not in spam. The next month, I again did not receive my billing statement via email ( the missing XX/XX/18 bill was noticed as missing XX/XX/18 ). I again emailed XXXX XXXX, who again suggested that it was probably in spam ( it was not ). I asked for a copy of the server log to prove that the emails from the last two months went out, and they refused to provide this information. I do not believe that they ever sent the billing statement to my email.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I viewed my credit report back in XX/XX/XXXX and noticed an account on my Equifax and XXXX credit reports that I did not consent to, authorize nor benefit from the account, The account is with TDRCS/MOR FURNITURE FO. The credit limit is {$5700.00}, the highest balance was {$2900.00} and the balance is {$1400.00}. I submitted a FTC Report to both Equifax and XXXX in XX/XX/XXXX and XX/XX/XXXX, however the did not block and remove the account nor did they provide me with competent evidence that I have any legal obligation to pay TDRCS/MOR FURNITURE FO. Therefore they are reporting invalidated and inaccurate information on my credit report.
Consumer complaint received 2018-10-30
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: Experian Information Solutions Inc. (NC)

After I acquired a copy of my credit report I noticed that there were two accounts listed on them. One was from XXXX XXXX XXXX ( Collections agency ) and the other was From XXXX/XXXX. I discovered they were related in that the XXXX account was closed, and the debt on the account was sold to XXXX XXXX XXXX for collections. I contacted The debt collector and told them that it was not my account on or around XX/XX/2018, they then told me to dispute the account with the Federal Trade Commission and obtain a support document to send to them. I proceeded as instructed, and the collections account was removed from my credit reports. I soon noticed that XXXX  and Experian after many attempts to get the account removed from my credit report with them, and sending the same proof to them as I sent to XXXX XXXX XXXX, after a 30 day investigation they decided it was accurate, and left it in place.
Consumer complaint received 2022-03-13
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. (NY)

I was taken advantage of due to malpractice while several laws have been broken under the FCRA. This has caused me financial turmoil, defamation of character. The reporting of this false information has hurt my ability to obtain credit.
Consumer complaint received 2018-10-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (IL)

2008 FHA loan for first time buyers included tax and insurance on payment. 
XXXX on small 2 bedroom home. FHA inspector committed fraud on inspection and did not report rigid copper used for gas line going to dryer. Home also had bad sewer line not reported by seller or inspector. Next we did a loan to change the way the taxes and insurance were paid but they told us it would stay the same lying to us about what is actually done on a home loan and failed to tell us it would not be FHA but bought by the bank and the whole payment went to them instead of paying off the home. Failure of full discloser by PNC bank is illegal and we want them to pay for lying to us about the loan and also it was only suppose to cost XXXX dollars to switch to the new mortgage to keep it the same on FHA but with us paying the taxes and insurance. The loan officer lied to us changing it to a home equity account without us being told where the payments went or about the change from FHA to their bank without our knowledge and their failure to disclose this to us at the time it was done. They also illegally kept the spouse off the deed and under the law they have to be included even if they aren't on the loan.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Troy Capital, LLC (PA)

A lien has been placed on our home by Troy CapitalXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , NV XXXX, ( XXXX ) for someone else 's debt. The lien is for {$1100.00} in the name of XXXX. The loan was originally turned over to XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, PA XXXX ( XXXX ) The company admitted to me that the Social Security Numbers for the name do not match, yet they can not remove the lien. 
I am not responsible for this debt. Another person with the same name is. My bank is refusing to process a loan for me for this reason. Help!
Consumer complaint received 2018-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (NC)

In XX/XX/2018, I received an email stating I needed to renew my " Income Driven '' repayment plan before XX/XX/2018. I went online, completed application and realized I had check a wrong box ( I could not access my spouse 's income information ) on the application. I called Great Lakes on the same day ( XX/XX/XXXX ) to ask what I needed to do. I was told to just send in my spouse 's most recent pay check stub and they would handle the rest. After that I received 2 emails, one XX/XX/XXXX stated they received my application and the other on XX/XX/XXXX stated my application was approved and that I would received repayment information 45 days before due date. 
I called XX/XX/XXXX because I hadn't received repayment information. I was told I wouldn't be receiving an email for repayment because I didn't have anything to repay. I asked, " why? '' I was told it was because I didn't have any income. I told them this information was incorrect and I sent in my spouse 's pay check stub. Agent responded, " I see, we have that information but we didn't use it for your application '', '' Would you like to have your application recalculated? '' I stated " yes ''. I ended the call but called back to file a complaint. I was basically told they could not change my application and that I had to complete a " married '' application ( basically correcting the information, '' I can not access my spouse 's income information '' ). I asked " why wasn't I contacted if there was an error '' ... '' I sent in a tax return stating I was married and my spouse 's pay check stub ''. Agent stated, " I understand that but your application says you were married but you could not access your spouse 's income ''. 
Now, I am waiting for my spouse 's approval for FSA ID. This process could take 2 to 3 days.
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX ; XXXX, XXXX, one more These are the last digits of my credit card numbers that were opened up by my ex-girlfriend from years ago. My ex opened a multitude of cards in my name and ran up debt in my name. The four cards had high charges on them and the debt kept getting higher and higher. 

I informed Capitol One of these issues by phone and letter on multiple occasions in XXXX XXXX. I called and wrote letters and provided a then report of identity theft that was filed through the Federal Government Identity Theft Site that detailed what happened. I offered documentation and spoke to them about it. While I informed them of this, nothing really happened. Capital One did not initiate Fraud investigations or anything into my account. I told them I was making minimum payments until it was all figured out. I even came up with a solution that allowed for me to possibly come to an agreement with the company to settle the debt and close the accounts out by paying a certain amount through a negotiated fee, even though it wasn't fair that I was paying on something that was NOT my opening or my fault. I even asked that Capital One provide me with the signature or documents in which I " supposedly applied for all four credit cards, and they did not. 

Instead, Capital One sent me a big document in which they rudely tried to intimidate and overpower me and ignored my calls for fraudulent issues, not even acknowledging the issues about it. 

I couldn't pay for the credit cards and they charged off on my credit unfairly, especially without providing me with Fraudulent Protections. It was intimidating and awful and horrible experience and even when I tried a negotiation, they ignored me.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a Chapter  XXXX  Bankruptcy that was Discharged on  XXXX   XXXX ,   XXXX  . Part of the BK was a mortgage loan with  XXXX   XXXX .   XXXX   has " miscoded '' the  XXXX  trade line to show as a "  XXXX  '' ... which means Foreclosure. I did NOT have a Foreclosure ... I in fact still live in the house. They have also put verbiage in the " remarks '' section of the report stating that I had a Foreclosure ... I did not. I need the  Code  "  XXXX  '' removed and the REMARKS removed ... please.   XXXX  Part of the letter from  XXXX  states " The credit bureaus have been updated to relect no reporting after this date. '' Again, nothing is supposed to be reported after  XXXX   XXXX ,   XXXX   ... Transunion has a " Reported Date '' of  XXXX  and a " Last Activity Date '' of  XXXX . I need those changed to  XXXX  as  XXXX  has stated in the letter.