davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
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. (PA)

I just reviewed a copy of my Transunion credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2018, I made an attempt to transfer membership reward ( MR ) points from my American Express ( AMEX ) account to my XXXX XXXX XXXX ( XXXX ) account. The transfer was blocked by Amex and I was unable to transfer my points to a trusted travel partner. The points are supposed to be used to book my XXXX award airfare to my own honeymoon next year. I already booked my wife 's ticket on XXXX. This is a time sensitive manner due to XXXX award tickets being limited in amounts and the time it takes to transfer MR points to XXXX ( at least 48-36 hours ). If my MR account freeze is not lifted in a timely manner ( within 24 hours ) I am afraid all XXXX award flight tickets will be redeemed by others, leaving me stranded on my own honeymoon.

I have contacted the MR department several times VIA phone and online chat function to try to remedy this situation. I have spoken to customer representatives and supervisors regarding my case. Every attempt to remedy the issue or get clarity has been futile. This is my last attempt to make things right.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX I made contact with my cell XXXX to Bank of America and Rep stated to me on a phone recorded conversation that was recorded by BOA that my checking account ending in # XXXX was closed. 
I was totally shocked by BOA statement in closing my checking account that I had for almost two years. 
Also, I had a payment to California Franchise Tax  of {$50.00} and it was declined by BOA and now BOA has put me on default with State of California Franchise Tax Board. 
I explained details to California Franchise Tax, but it appears i will have a issue. 

So I made contact with US Senator XXXX XXXX on my issues and I am respectfully requesting a Federal Investigations against BOA. 
This is a Discrimination and Retaliation against me as a XXXX American XXXX XXXX XXXX, XXXX Lifetime, Retired and a XXXX XXXX XXXX Military Veteran. 
BOA violated my ADA Disability Civil Rights Act under Department of Justice. 
My filed complaints should be investigated by the ADA Department of Justice and the FBI. 

Also on XXXX XXXX with BOA recorded phone conversation with BOA Rep I was transferred to BOA of Texas and they have me listening to audios of procedures of BOA opening a new checking account. 
The new BOA checking account is # XXXX..Routing # XXXX with new Visa debit card been shipped to my home address in a week. 
My BOA Visa debit card ending # XXXX was eliminated by BOA.
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (NJ)

CBE group has constantly harassed me about a debt claim owed by XXXX. I told them and XXXX  i don't owe this. I told them Verbally in writing and told XXXX  directly to stop all communication. I disputed this with all 3 credit bureaus as well. CBE Group uses XXXX  area phone numbers in hoping i will answer. I have blocked 20 different numbers they have called from. The number doesn't identify them as a debt collector or their name. I have received on days 6 calls even after i repeatedly informed them to stop. They just call from different numbers, even Identifying as XXXX, i questioned the rep that but said she didn't know.I They won't tell me why they are calling. I know why, they tell me they can't unless i give address and social security number. I was a victim of identity theft so i won't give my social. Explained to them, they still asked immediatley after
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (WI)

I do not know who is Caine & Weiner collecter are. I never did any business with these people what so ever.They stated on XXXX XXXX i owe the {$190.00} dollars.
Consumer complaint received 2018-01-24
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)

Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, ACCT # XXXX - XXXX XXXXXXXX XXXX XXXX XXXX, AS OF XXXX XXXX, XXXX {$320.00} AT : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this credit collection entry. I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. With the on-going XXXX security breach, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. 
XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You are n't as much ... why? 
REMOVE THIS ASAP!
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (IL)

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and CREDENCE RESOURCE MANA will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Consumer complaint received 2020-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IN)

I have made 3 complaints now. I do get responses. In the response to my complaint they said If an account is late thirty days they assume you abandon the property and send a person to drive by. I believe my late fees were {$560.00} because I was just over 30 days. Is that legal? 
Second, they keep sending information I have a 2nd mortgage of {$36000.00} from my loan modification. It should included in the {$110000.00} balance. The invoice shows {$110000.00} on one page and then the next page with no details jumps to {$150000.00}. Even if the {$36000.00} isnt in the {$110000.00}, {$98000.00} or even $ {$100000.00} does equal {$150000.00}. 

I was told they could not lower my principal balance and that is why I wanted the upside down modification at the time Obama was offering. I have statements saying my estimated balance is {$150000.00} with the 2 mortgages together. I received their response and I am told it is {$110000.00}. That is a large difference to me. My balance was {$98000.00} to {$36000.00} equals {$130000.00}. This company is taking advantage of the lower income and I think the entire account needs gone thru line by line. What is an accounting company that would do an examination of the account to the XXXX days? I did bankruptcy in XXXX and paid every payment until XXXX when it ended. I have all the documentation from all names they have used. Can they charge me 30 day late for someone to come look and take pictures of my house. I think, its more like 90 days before they can do this. 

Is there other agencies I can send copies of my loan to to see if what is going on is legal and is my balance {$130000.00} or {$150000.00}? 

Best Regards, XXXX XXXX
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2019-09-14
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

A car dealership ran my credit through to many banks without my permission and I only authorized one now it has a negative Impact on my score and also there are names on my report that are not accurate and I wan na dispute
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I have reviewed my consumer report, and I noticed I had two late payments on an account. I was never late, for the consumer reporting agency has assumed a vital role and has a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I Included is a screenshot inside of this complaint on dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand that these payments be updated to be paid as agreed on time as they should be due to the fact that I was never late.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

on XX/XX/XXXX I sent a letter to all three credit reporting agencies for inaccuracies on my personal information. Ive sent two follow up letters XX/XX/XXXX and XX/XX/XXXX, and still nothing has been removed.
Consumer complaint received 2020-08-01
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. (NY)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Consumer complaint received 2018-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI)

Complaint is on Money Gram service, where I tried to send {$1100.00} to my sister due to an emergency. I used my charge card and the transaction is pending, and Money Gram notified me that the money was ready for pick up. When my sister, XXXX XXXX tried to pick up the money, she was told to have me call Money Gram. They transferred me on the phone, around and around until I finally got someone to say that they were cancelling the transaction, due to suspicious circumstances, whatever that means. I gave them all my information, including my license number to no avail. Each person I was transferred to was more and more frustrating to deal with. Eventually I used another service agency with no problems at all. The problem that I have now is that they cancelled the transfer, yet did not reverse the transfer with my charge company, so the transfer still shows pending, and I have my available money with my visa held up in this pending situation. All of the details are on the attachment enclosed. I will never be using this company again. Although I have used this company many times in the past, never have I had such a problem, with them offering no real reason for what they did.
Consumer complaint received 2020-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have tried contacting the company representative was rude and disrespectful also trying to use a cellphone number and address which is not mine to prove the debt was mine without my consent and I didn't consent to any of the information. Then the supervisor did not help the situation which was over two months and now my mom stated I letter came to her address for me and when I open the letter it was from the company and I was upset cause they was using my mother information which is not true and I advised them my identity was stolen twice which I had to report to the sheriff department include provide my fingerprints cause it had to with criminal charges as well.
Consumer complaint received 2019-01-05
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)

reviewing my credit report I noticed that there were many errors in the same one that is affecting me. Several names, open accounts that I do not know, requests for credit cards without my consent, hard consultations and soft consultations. For these reasons I was denied the opening of a business account.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

This dispute is connected with a previous complaint ( complaint # XXXX ) where at over 8 years, XXXX XXXX XXXX is still reporting on my credit report. The creditor was included in a bankruptcy and when contacted after the discharge. I was told by a woman representative of the company. That the company was within there right to report outside of the bankruptcy. In the previous complaint, I had to make a claim against XXXX for its lack of willingness to investigate the matter. And XXXX XXXX XXXX attempted to displace its responsibility in the matter. I disputed the claim that the account was too old with XXXX XXXX and it was promptly removed. I disputed it with Equifax and their response is that XXXX XXXX XXXX said the debt is reporting accurately. Despite me noting in the claim that debt is too old to be on my credit report. This claim is against Equifax and XXXX XXXX XXXX ( again ). Regardless of the category of this claim. XXXX XXXX XXXX should not still be reporting on any of my credit files after the legal retention period. And if approached by the credit bureaus. Should not still relaying inaccurate information as accurate. Now, XXXX XXXX XXXX is blatantly violating the Fair Credit Act and in plain site.
Consumer complaint received 2024-02-08
Product: Credit reporting 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. (MI)

I was a victim of identity theft and per the communication from XXXX and XXXX, I was part of a data breach. ( also for XXXX too ) I requested a freeze on my report and thought that it was taken care of but when I recently was contacted by a dealer I immediately knew that the freeze was not on per my request.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I had two fraudulent charges go through my account. I received an alert and responded that I did not authorize the charges. After several calls to Fifth Third and being transferred numerous times to different representatives, I was told to wait until the charges went through to dispute them and that they may fall off. Instead of the charges being removed, I woke up today with XXXX in overdraft fees. I immediately put the funds to cover the fraudulent charges into the account, prior to the open of the business day, and filed a dispute for the charges ; yet after contacting Fifth Third again this morning and speaking to several account reps, the overdraft charge was not put back in my account.
Consumer complaint received 2022-04-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under TRANSUNION. 


XXXX 90 days late in XX/XX/2017, XXXX 2017, XXXX 2017, and XXXX 2017. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Consumer complaint received 2018-12-28
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. (NJ)

Dear Sir/ Madam, Please be advised that I contacted Transunion and I asked them to show a solid document or signature to prove that the XXXX XXXX performance Debit belongs to me, they were unable to show any solid documents, nor were they able to prove their method of verification or even mention their way of verification. 
As you may know I disputed the validity of the alleged debit posted on my credit report with that frivolous called XXXX XXXX XXXX, they were unable to validate their alleged issue. 
I contacted you on XX/XX/2018 as it shows on this portal complaining about Transunion and their EXTREME time taking to investigate, and until this moment they were unable to DELETE this issue. 
Please find the attached Documents on this letter showing the Transunion reply to me Dated XX/XX/2018, and My respond to Transunion dated today Friday XX/XX/2018. 
I urge CFPB to do an investigation Thoroughly towards this matter. Copies of this complaints and letters will be sent to the New Jersey State Attorney General and the FTC and to my Attorney.
Consumer complaint received 2018-12-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OK)

Navient began giving deferments & forbearance 's for my loan, .... and suddenly I rec'v a bill for the total, ... PLUS interest, penalties - with my orig. loan being {$30000.00}, and the bill ( due immed. ) of {$53000.00}. 
A company called " XXXX XXXX XXXX '' is calling now, .... telling me my loan can be INSTANTLY forgiven! When I asked for information about the company- they just hang-up. 
Their number is : XXXX, ... ... which a search provides no information - except that it is suspected as a scam! 

I've heard that Navient is scamming people, ... & suffering from lawsuits thereafter, so I want my debt cancelled - in full! 
I'm not going to pay - just to be scammed.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I would like to file a formal dispute regarding TransUnion 's ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) and 623 ( A ) ( 3 ). I have raised concerns regarding multiple charged-off accounts on my credit report, which TransUnion has reported as " verified '' without appropriately updating the status date or the date of the last reported activity. This discrepancy not only calls into question the thoroughness of the " ALLEGED '' investigation conducted by TransUnion OR if any investigation was actually conducted which violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ).

As of the most recent re-investigation " allegedly '' conducted on XX/XX/XXXX, my credit report still reflects the status date or date last reported as XX/XX/XXXX, for the XXXX XXXX Account # XXXX, despite an alleged ongoing investigation. Similarly, for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : In response to my initial dispute, TransUnion claimed to have " verified '' the accuracy of this account and updated the status date or date of last reported as XX/XX/XXXX. However, TransUnion blatantly disregarded the obligation to include the Notice of Dispute in the comment section within 30 days of my original dispute. This omission is a clear violation of FCRA 623 ( A ) ( 3 ). 
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