davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Two weeks ago I was notified that I received a notice that my credit score with Transunion dropped from XXXX to XXXX due to a late payment. At that time I started investigating to find that XXXX XXXX posted a late payment of 30 days for not paying the annual membership fee. The card in question was to be closed by my request a month earlier. After filing an online dispute I received another email stating the my credit score went down 122 points ; currently at XXXX from XXXX in a two week period. 

I then called Transunion to get clarification on how my credit score dropped 167 points in a two week period and to check on my online dispute. First, the agent indicated he did not show an online dispute therefore he would initiate it ; to date, the dispute number he provided does not show on my account. As far as the score dropping his explanation was that every bureau calculates the score differently and they have 3 methodologies for credit cards, loans, and mortgages. 

I have a very low debt to income ratio, The only financial changes in the last month was purchasing a vehicle and paying off a different vehicle. All other loans and credit cards have been in place for over a year to several years, I do not understand how the credit bureau can " make up '' there own methodology and algorithm for determining ones credit score, I still have no explanation to why or how my score dropped so significantly or a resolution to the credit dispute. The charges assessed by XXXX XXXX have been reversed although it is not reflected on my credit report.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have disputed inaccurate and incomplete information on my reports for over 1 year since XX/XX/2023. The credit reporting agencies has failed to do a proper re/investigation. This violates my consumer rights. As a consumer, I have the right to dispute any inaccurate information on my credit report, and the credit bureaus must investigate your disputes promptly. 

See attached
Consumer complaint received 2021-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

Several transactions occuring through XXXX to XX/XX/XXXX totaling roughly XXXX. Purchased online using my compromised debit card and delivered to my home address while I was several states away. Open police report and the bank denied the claim. PNC has not been helpful at all and have had little to no communication. Tried talking to them via the chat in virtual wallet and then when I called them they said they had no record of my chat and said their app must have been compromised aswell. Yet they admit the app was hacked but still denied my claim. I m just looking to get my money back and be done with the fiasco.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I can not get my credit report because the security questions they ask to log in i dont knoq the answers because I didn't take out the loans its asking about to confirm identity. One of the user names isn't even my name at all
Consumer complaint received 2019-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (TX)

Client Services INC fax notice on XX/XX/2019 wrong person associated with my phone number requested future contact to only be in writting recievec phone calls on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The company has noted stopped trying to contact me on my cell phone.
Consumer complaint received 2024-03-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (GA)

Aspire XXXX XXXX frequently adjusts the interest rate, to the point that each payment seems to not cover the ever changing rate. Its now almost XXXX XXXX interest. At this point I cant pay off my loans. This has to change, this is an extortionist practice!
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (WV)

For a couple of years I 've been able to exceed the max balance by {$2000.00} as long as the entire over limit balance is paid each statement. On either  XX/XX/XXXX  o r  XX/XX/XXXX  , I thawed my credit to apply for a personal loan with them which was declined. The main weighted reason for the decline was derogatory public information. I did n't know what this was so I checked my credit and there is a medical debt collections account for {$350.00}. Well, I had no knowledge of this debt and I 'm working to get it removed. I have received no written notice of debt and no one has contacted me regarding it  (  even from whatever the original company was  ) , it just showed up. Well, my card was over the limit ( but still within the grace period ) and they started declining charges a week later. When I called them they would n't acknowledge a grace period, would n't acknowledge a set grace limit ( which I had been told was {$2000.00} for me  XXXX .   I feel they are using the untrue collection information they obtained in the personal loan application ( through that credit pull ) and are using it against me on the credit card I have had in good standing for over 10 years.
Consumer complaint received 2022-12-14
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: DISCOVER BANK (AZ)

I was victim of a scam involving my Discover card on XX/XX/22. I received a text from someone purporting to be my boss, asking me to purchase {$1000.00} worth of XXXX XXXX XXXX. This person said he was in a meeting and couldn't talk, but needed the cards for a holiday gift and wanted me to take care of this errand for him. Of course, I wanted to help so I purchased the cards, and texted him the activation code, per his instructions. 
Moments later, I checked and realized the caller was not actually who he said he was and that I had just been scammed. I called my bank immediately ( within minutes ) and requested them to reverse the charges and to start an investigation. They said there was nothing they could do. They offered no help at all.
Consumer complaint received 2019-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I WAS A VICTIM OF ID THEFT IN XXXX OF 2019. I FILED A REPORT WITH THE FTC, XXXX POLICE DEPARTMENT AND CONTACTED BANKS. I SUBMITTED ALL THE DOCUMENTS TO ALL THREE CREDIT BUREAUS YET THEY DECLINED TO REMOVE THE INACCURATE INFORMATION FROM MY CONSUMER REPORTS.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/2021, I applied online for a XXXX XXXX XXXX American Express Card. The offer included with my application was the opportunity to earn 40,000 bonus miles after {$1000.00} in qualifying purchases are made on the Card within the first three months of Card Membership. I have subsequently fulfilled the requirement of qualifying purchases but American Express has refused to honor its welcome offer and have not provided me with 40,000 bonus miles. 

American Express has responded and advised that I was not eligible for the welcome offer. American Express has further stated that I was advised during the online application process that I was not eligible for this welcome offer. The response from American Express was incorrect. The company did not advise me during the application process that I was ineligible for the welcome offer, otherwise I would not have proceeded with this application.
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (NY)

In XXXX this year I have sent a letter regarding unknown things on my credit report, To this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these inquiries be deleted immediately or I will file for litigation due to the stress you caused me. I also Identity Theft online through Federal Trade Commission website which I attach to the letters sent to the Bureaus. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

I also know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries listed on my report, I never authorized such and I ask that your agency please help me to remove the inquiries from reporting on my credit report.
Consumer complaint received 2018-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2018 I contacted Chase. I tried to use my XXXX XXXX and it was declined. The reason being is that XXXX said they never received my payment. However, I had paid my bill online through Chase on XX/XX/2018 for {$310.00}. 

I called customer service and they said sorry we dont see the payment what do you want me to do. I said I am now going to be charged a {$38.00} late fee plus the interest of {$310.00}. APR on card is 24.65. 

I processed the payment through Chase bill pay online and now I am being harmed because XXXX  never received my payment.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act ( XXXX XXXX Acct # XXXX ) has violated my federally protected rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-03
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. (TX)

Subject : Violation of 15 USC 6802, 15 USC 1681b, 18 USC 1028a, 15 USC 6801 15 USC 1611, 18 USC 241 Dear Sir/Madam, I am writing to bring to your attention what appears to be a serious violation of various federal laws pertaining to consumer privacy and identity theft. As a concerned individual, I repeatedly discover that you have included unauthorized transactions ( late payments & charge off ) and experiences ( hard inquiries ) in my consumer report, despite never having provided written permission for such reporting. This activity not only breaches my privacy rights but also raises significant concerns about the security of my personal information. 

According to the federal laws governing consumer privacy and identity theft, namely 15 USC 6802, 15 USC 1681b, 18 USC 1028a, and 15 USC 6801, you are required to ensure that consumer reports only contain information for which proper authorization has been obtained. This includes obtaining explicit written permission from the consumer before reporting any transactions and experiences related to their credit history and financial interactions. 

I must emphasize that I have not granted any written authorization to include these transactions and experiences in my consumer report. As such, their inclusion represents a clear violation of the aforementioned federal laws. I am particularly concerned that this unauthorized reporting is a form of identity theft, as my personal and financial information should remain private and secure. 

I kindly request that you promptly reinvestigate this matter and provide a detailed explanation for the inclusion of unauthorized information in my consumer report. Additionally, I expect you to take immediate action to remove all such unauthorized adverse information and rectify any inaccuracies in my credit history. 

Please be advised that I am prepared to take legal action if this matter is not adequately addressed within a reasonable timeframe. I believe it is essential to protect the privacy and security of all consumers and ensure that your organization complies fully with the laws in place to safeguard our personal information. 

I look forward to your prompt response and a resolution to this matter. Please acknowledge receipt of this letter and provide me with a timeline for your investigation and actions. 

Thank you for your attention to this critical issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-11
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (TX)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2018-01-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

On or aboutXX/XX/XXXX I contacted Quicken Loans on line. Explained my situation. Family buying home from family. Home worth alot more than money needed. I wanted to buy my house from my parents. They owed XXXX XXXX XXXX and wanted to get some money out of it for travel. I explained this to mortgage banker. She told me that we could use equity to pay off XXXX XXXX and money that i would borrow would go to them. " they will walk away with 35 thousand+ '' I understood that the equity would pay off XXXX XXXX pay closing costs and I would have my house back and they would have 35 thousand + to do what they wanted. I uploaded all required documents in the following days. We needed a new survey we need an appraisal house came in at XXXX XXXX. Quicken Loans gets a house worth XXXX XXXX for the XXXX that I borrowed and my parents got {$4900.00}. This was not was we were lead to believe. Quicken Loans lied to me, said that we would have 35+thousand dollars in cash and I would have a loan for my home. I feel like it smells a little like fraud. Spoke to Executive Dept at Quicken Loans and he says there is nothing they can do. Yes there is. They can do what they said that they would do and give me 35+thousand dollars for my parents.. They are the EXPERTS. Give me ALL the FACTS and be transparent. Do n't lie.
Consumer complaint received 2019-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

I am currently in foreclosure with a selling date of about 3 weeks from todays date. I have been requesting assistance and multiple modifications from my lender who has been making it very difficult. From the beginning of the default I have provided all the documents requested multiple times, and have been denied several times. Causing our mortgage late payments and fees to become unobtainable and impossible to catch up. We still have not given up and have tried everything possible and requested assistance right away but have been unsuccessful. This has also caused a strain on the relationship and a divorce is currently pending, causing a deeper hardship. 

We have tried to refinance our loan but due to the foreclosure prematurely on our credit report and late payments it has caused banks and other services to look the other way. Currently our home is showing as sold in XX/XX/2019 as a Foreclosure this is false advertising and has caused realtors and attorneys to obtain our personal information and allowed soliciting at our homes front door. 

We have reached out to a home save company who turned out to be predatory lender who took payments from us and we later found out they had not contacted our servicer at all. 

We have filed bankruptcy chapter XXXX last year in XXXX, the case was dismissed in XXXX due to the escalation of the arrears payments, We could not afford both. Since then the foreclosure has been sped up after the dismissal.
Consumer complaint received 2018-01-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

To CFPB This complaint involves Equifax who, after my many attempts to resolve an issue with inaccurate inquiries ( XXXX XXXX ), Equifax seems to think that they can continue to bull doze their will on me by allowing this nonsensical, erroneous reporting hurting my credit report. I did not give any one at XXXX XXXX permission to look into my credit report for any reason. Yet, Equifax seems to think that they can continue their non compliance of the FCRA and other laws that govern reporting. 
I am here by filing this complaint against Equifax and request that CFPB fine them accordingly if they do not comply with the law. 
I repeat, I did not request or give permission to any one at XXXX XXXX to look into my report therefore, please enforce the law on Equifax.
Consumer complaint received 2019-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (SC)

On XX/XX/2019 I applied online for a Fortiva XXXX and was approved online that same day. I realized I had made a huge mistake because of the fees involved and the low ( {$700.00} ) credit limit, and the fact that there was an annual fee of {$200.00} plus a {$25.00} authorized user fee for an additional card for my spouse. I attempted to call the company at the only telephone number provided on the initial correspondence ( XXXX ) to cancel the card before it was activated, but the telephone call caused activation of the account. On XX/XX/2019 I wrote a letter to Fortiva requesting cancellation of the cards. The address shown for correspondence on the account is XXXX. XXXX XXXX, XXXX, Georgia XXXX/ I have had no reply to my request. 

I have not used the cards at all. I received an invoice from Fortiva on or about XX/XX/2019, wherein I was charged an annual fee of {$170.00} and Authorized User Fee of {$25.00}. The new balance amount was {$200.00} with a minimum payment due of {$25.00} due prior to XX/XX/2019. 


In the cardholder agreement, under " ACCEPTANCE OF THIS AGREEMENT '' it reads " Your activation of your card, your use of the account, or any payment made on the account, evidences your acceptance of the terms of this agreement. '' I called to cancel the card, but my call activated the account. I wrote a letter ( copy attached ) requesting cancellation, but apparently my request was ignored. I do not feel that I am obligated to the company for user fees when I have done everything I know to do to cancel the card before it was activated.