davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Google Compare Credit Cards Inc. (WI)

On XX/XX/21 Google XXXX took {$200.00} worth of charges without my authorization, off my debit XXXX. Now my account only has a balance of XXXX. I've reached out to Google. 
I'm very upset, I can't get through to the XXXX numbers provided online. I've even tried to download a dispute form from offline. This was to no avail. 
Please help me get my unauthorized charges credited back to my XXXX. 

Thank you,
Consumer complaint received 2024-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I looked at my credit report and saw that I have a late payment. However they are reporting this late payment and it is inaccurate. I sent a letter trying to fix this problem but I haven't seen ant updates. 


I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate, But they did not. This is a violation of my federal right. Can you help with this matter. 

I sent a Certified letter Tracking number is XXXX XXXX Thank you
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

TO WHOM IT MAY CONCERN.. XXXX XXXX  XXXX  ( XXXX # XXXX ) has violated the Fair credit act by Submitting incorrect information on my credit report.. 
The credit bureaus ( equifax, XXXX, and XXXX  have also violated my rights by not Properly investing the account for validity.. No contract with Balance and signature has been produced.. 
THEY SUBMITTED MULTIPLES BALANCES ON MY CREDIT REPORT AND HAVE THE ACCOUNT SHOWING AS WRITTER OFF AND OPEN AT THE XXXX XXXX 15 U.S.C. 1681Sec 604 a sec 2 I would like to know how this account was validated and who validated it?
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (OH)

We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT I have a credit card with Discover. I have made perfect payments since XXXX, never a late payment with credit cards, even during the pandemic. I was the person that saved money for a rainy day. Then a bad medical situation hit a few years ago. 1. I had a XXXX XXXX and several XXXX XXXX and was XXXX. I went XXXX for a short time 2. I had numerous surgeries where my XXXXXXXX XXXX XXXX. 3. I got XXXX XXXX ( XXXX of XXXX times ) during one of the surgeries. I was on a XXXX. I had another XXXX. Even during all this time i had my personal bank make sure my bills were paid on time. I had {$700000.00} in medical bills which I paid completely off draining my resources. I had over 2 years of XXXX  to build myself back up. 4. I managed to keep my job until the pandemic when they laid me off after 20 years. 14 months later my job was eliminated. And I still paid my bills on time. 5 I applied for over XXXX jobs and have been unsuccessful, I retrained and got advanced degrees. Being over age XXXX no one seems to be hiring me. 6. My spouse left me and my children ( I had kids late in life ) and I raise the kids myself 7. My spouse emptied our retirement account. 8. Due to hacking, XXXX XXXX, Discover ( XX/XX/XXXX discover released my information during a hack ), and other credit cards and one of the credit bureaus allowed my information to be released on the dark web and my identity has been stolen resulting in over XXXX attempts of credit being opened in my name and bank accounts drained, I have had my mail stolen. Although the credit bureaus have frozen my credit file, credit issuers have not been good about stopping this. 9. Up to XX/XX/XXXX, Bills have were paid on time. 10. I called Discover the month before the credit card bills were late. I asked for some type of forbearance or arrangements until my income resumes. ( I had asked this during the pandemic and been ignored They told me after being transferred around that they could not help me until I was in Collections. I asked about any XXXX  XXXX programs. They said sorry we can not help you until you are late with your bills. I said im being proactive is fixing the problem. Starting in XX/XX/XXXX and follow-ups in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I I sent letter asking for up to 7 years of credit card statement to which I have received nothing. I have asked for debt validation. DISCOVER has not replied to requests. DISCOVER has not reach out to me about this.DISCOVER this past month decided to file court action in a attempt to collect debt.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023 I was the victim of a scam. 
I believe that Chase Bank could have prevented this scam and my loss of {$10000.00}. 
The scam began on the computer with a bogus email from XXXX XXXX '. I was told I deserved a refund. Online they asked me to put in the refund amount of {$480.00}. Immediately it went to my Chase account login. At that moment, I shut my computer down. The scammers moved {$48000.00} from my savings account to my checking account. 
My first call was to Chase to tell them what happened and close my accounts. 
COMPLAINT : I never received a verification number or any notification from Chase that a large amount of money was being moved from my savings to my checking account. 

My next call was to XXXX XXXX to find out how to be sure my computer was not still in the hands of the cammers and did not have a virus. I looked up the number for XXXX XXXX on my XXXX. The number I called was the scammer. I have no idea how he got into my phone. I thought I was talking with XXXX XXXX. 
He told me to go to Chase and withdraw {$11000.00}. I have been a Chase customer for 50 years and I have never withdrawn more than {$500.00} at a time. 
MY COMPLAINT : If the teller had said to me : 'If someone you do not know is telling you to withdraw the money, it is a scam '. That one statement would have ended the scam. 
The scammer told me to put the money into a XXXX machine and I lost it all. 
The scammer was supremely convincing about why I had to take these actions. It was a mind-control scenario. 
My complaint is with Chase Bank. I am an older woman and clearly a target of this type of scam. Chase Bank could have prevented this by reminding me of scam artists who ask old people to withdraw large amounts of money. 
I registered this fraud with all the government agencies and reported it to my local police department.
Consumer complaint received 2016-01-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

A woman who called herself XXXX XXXX ( not sure if that 's spelled correctly ) left a voicemail on my employers phone stating that she was with Weltman and Weinburg. She also said my name and stated that I should not listen to this message with anyone around as the information in the message contained personal and private information. Then she proceeded to say that she was with a debt collector and this was an attempt to collect a debt. Anyone in my agency could 've heard that message. It was not private. My privacy rights were violated.
Consumer complaint received 2022-01-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 ( Original Creditor XXXX XXXX XXXX XXXX XXXX USA XXXX A ) XXXXXXXX XXXX XXXX  XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION (NJ)

I applied for a loan modification with Truist Bank on XX/XX/2024 and received a verbal denial on XX/XX/2024 over the phone. I requested that I receive a denial letter in writing along with the reason stating why I was denied. I have yet to receive the written denial. During the month of XX/XX/, I requested from Truist my monthly mortgage statements, reinstatement amount and what I owed in full on the loan. Truist told me I needed to contact their attorneys to request this information. I voiced my concern that I did not want to speak with their attorneys because I didn't want them to bill Truist for speaking with me and then the Bank pass the fees along to me, adding more monies to what I already owed on my loan balance. After going back and forth with them, a XXXX finally assured me that was not the case and the attorneys would not bill for speaking with me. I finally called the attorneys on XX/XX/XXXX  asking them to send me the reinstatement amount and what I owed in full as well as my mortgage statements. The attorney responded that they could send me the reinstatement amount and what was owed in full, but not my mortgage statements. He told me that is something Truist would need to send me. He stated that he would speak with Truist about my mortgage statements. I have yet to receive my mortgage statements. I need the mortgage statements in order to apply for asstance so I can reinstatement my loan.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TO WHOM IT MAY CONCERN.. XXXX XXXX  XXXX  ( XXXX # XXXX ) has violated the Fair credit act by Submitting incorrect information on my credit report.. 
The credit bureaus ( XXXX, Transunion, and XXXX  have also violated my rights by not Properly investing the account for validity.. No contract with Balance and signature has been produced..

THEY SUBMITTED MULTIPLES BALANCES ON MY CREDIT REPORT AND HAVE THE ACCOUNT SHOWING AS WRITTER OFF AND OPEN AT THE XXXX XXXX 15 U.S.C. 1681Sec 604 a sec 2 I would like to know how this account was validated and who validated it?
Consumer complaint received 2021-06-10
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. (TX)

I mailed all three credit bureaus XX/XX/2021, to verify there reporting on my credit report and they failed to do so. They had 30 days to reply are delete the reports by law. They are in Violated of 15 usc 1681b.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I keep trying to login to my TransUnion online account but the page tells me that the credit freeze is currently unknown. I called over the phone, to remove it. Over the phone the person helping said that everything was fixed. I tried to login on to re-freeze it but the website and app both said the credit freeze was once again unknown. Reading the comments from other users on the XXXX  app, other people are having the same issues. TransUnion seems to be purposely doing this so that you buy their product. They have to legally allow for the people whose credit they maintain to be frozen.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (FL)

Hello I am having a huge issue with my Apple Card and believe the company has purposefully put me in debt with them when they admitted I have no debt. I made a payment XX/XX/XXXX of XXXX to pay up to where I don't have interest of my installment payments or my credit payments. After I was inexplicably charged XXXX on XX/XX/XXXX. They were supposed to return my money but said they could not and told me to call the bank to stop the payment on that end. Yet it was marked as a declined payment which messed up my credit. " Declined '' payments show as if I owe them that now and will pay interest on it until I do. I was never in debt with them and my balance was already paid. Not sure even why the XXXX was taken if I only had installment payments left that are monthly and paid up my charge XX/XX/XXXX showing I owed nothing. The XXXX XXXX support was to no help outside of XXXX dollar interest charge return. No one wants to correct it and each time I call they try to gaslight and use techniques to make it seem as if it was my fault when they already admitted this was a mistake I didnt authorize. This XXXX XXXX is a scam and needs to be stopped before they put other people in the same position I am currently in.
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (TX)

XXXX Hospitals of XXXX XXXX never billed, or validated when requested, the amount presented ( XXXX ) for XXXX work. there was a erroneous billing to my insurance XXXX XXXX XXXX XXXX and a later refund to them which they applied to wrong bill for later work. Some years later another overcharge and repayment was applied to this item in collection. Not legal as they had turned action over to collection and can not act on the bil the second XXXX dollar overpayment should have been returned and the other earlier bill should have been removed. Multiple phone calls have yielded nothing as each other blame the other.
Consumer complaint received 2022-01-17
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)

I have attempted on four occasions to dispute a bankruptcy that is being reported on my credit report. I attempted on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time the credit bureaus will report that the information on my credit report regarding bankruptcy is accurate and correct. Each time the credit bureaus will not give me evidence that the information is accurate and correct. I am asking that the bankruptcy be deleted because the information is inaccurate and correct. When I contacted the court, I was informed that they did not send any information to any credit bureaus therefore I would like to know where the information come from that is being reported on my credit report.
Consumer complaint received 2022-12-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I sent certified letters to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The letters were received on XX/XX/XXXX ( XXXX XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX XXXX ). I disputed their claim that I owe them these debts and asked them to validate the accounts they are reporting to Equifax, XXXX and XXXX. It's now XX/XX/XXXX and I have not received any response from either company by mail, email or any other type of notification. Under The Fair Debt Collection Practices Act 15 USC 1692g, Sec. 809 ( b ), I have the right to request validation of debt they say I owe them. Both Companies have failed to validate the debts and provide the information I requested in my letters. See attached letters and certified mail receipts.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (MN)

Ford Motor Co. claims I missed a lease payment but that is incorrect. The last lease was due on XX/XX/2022. I made the payment on time and then returned the truck on XX/XX/XXXX, on time. Turned over the keys at that time. I have record from my bank showing this payment. My credit report shows that payment.
Consumer complaint received 2021-09-24
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: EQUIFAX, INC. (WI)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (CO)

I am attempting to get an FHA home loan. The process has now been held up for a month because they are questioning one cash deposit that I made into my checking account. I've provided all the documentation showing where the cash came from and it is a small amount. All my documentation meets the standards that are listed in the FHA requirements. 

They are refusing to approve or deny, or tell me what the issue is so that I can provide documentation. Because of this, I can't move forward with my loan and I can't get my escrow deposit back. My family and I will be homeless in less than a week solely due to them refusing to make a decision one way or another over a {$2000.00} deposit.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The XXXX XXXX XXXX account being reported on my Equifax report is inaccurate. Please see the attached showing that I do not owe any arrears as being reported! The account is now a matter of the federal courts. XXXX XXXX XXXX vs XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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)

Hello, the XXXX quoted the credit report score at XXXX, this, with two collections and a ( n ) written off/charge off indicated on the credit report. The Transunion is indicating a ( XXXX ) XXXX with no collections and no charge-off/written off. I'd like the XXXX, XXXX and Transunion notified to uplift the score given the current status of the erasures and deletions. XXXX, I'd like a score legible for the credit cards ', etc.. 
Thank You! XXXX XXXX XXXX XXXX XXXX XXXX 
Sincerely, XXXX XXXX XXXX XXXX XXXX