davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-12
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. (TN)

On XXXX, I personally sent in letters to all three bureaus informing them about the inaccurate information that is reporting to my credit report. It's been over 45 days and the law states that they have 30 days to come to a conclusion with their investigation and I still haven't heard from them. I also found out that I was affected by the XXXX  data breach, and my information could have gotten into the wrong hands. I feel like I'm being taken advantage of and ignored. Please help me with this issue.
Consumer complaint received 2019-03-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC (NY)

XX/XX/XXXX Ditech Financial LLC Amount unknown Has been contacting me for years with " informational purposes only '' letters when my debt was included in my bankruptcy and discharged back in XXXX. I have emailed them two months ago and told them to stop contacting me. I received a new letter today.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MI)

the credit reporting agencies keep reporting late payments to my credit report which is illegal ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # 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 an account without my written instructions.
Consumer complaint received 2018-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (FL)

After submitting my complained finally the BBVA compass agent have left me messages on my voicemail. I found a job finally and my work is from XXXX to XXXX and my work is very detailed oriented and I can not receive calls on my job area. 

After filing my complain someone finally tried to call. I tried to call back after XXXX EST but was not possible. 

I want to continue my complain becuase they only refunded me {$220.00} on XX/XX/2018. And the total amount was {$500.00}. I am still waiting for {$270.00} more. Plus, the account is impossible for me to make a deposit becuase they took out all the features fron the online banking and also when I tried to print the direct deposit form, was not there either. I want the rest of my money back and I want my account restored. This bank has given me problems since the first time I opened the account and I want all my features back. I complained to them and they deactivated everything. All I received was appologizing emails for late response and emails to call the bank, when I am trying to contact the bank they always transfer the calls until the call drops ans they keep emailing to call the bank.
Consumer complaint received 2018-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I contacted by my Capital One/XXXX credit card collections department on or about XX/XX/18 about my credit report saying my account was closed but my account online saying it was open. I was made to believe that my account was only closed until my balance was below my credit line, then I would be reopened. On XX/XX/18 I checked my credit report again and it still said the account was closed even though I now had available credit according to my online account. I submitted a dispute with XXXX on XX/XX/18. On XX/XX/18 I got the results saying it was closed with a freeze on file updating. I contacted Capital One/XXXX  on XX/XX/18 inquiring about why it was being reported as closed now that I had available credit and explained what their collection department had led me to believe. They stated that they the collections department may not have had access to all the account information. I asked if they routinely made deceptive claims in order to get customers to pay. The only thing she kept referencing was the cardholder agreement saying that was all that mattered and not what/how a debt collector tried to collect the debt. I am wanting a copy of the audio call in which I agreed to make a payment, and of what the debt collector told me about my account. I know the call was recorded as they made me aware that the call was being recorded.
Consumer complaint received 2022-07-25
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. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2018-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

I am set up with an automatic payment program with Discover credit card. 
I was set up on this program because I am unemployed and I am having trouble making the large payments. When I set up this program, they told me I could go ahead and make the payment myself at an earlier time and they would not process the auto payment scheduled. 

On XX/XX/XXXX, I went on line and scheduled the payment for {$200.00} On XX/XX/XXXX, the payment cleared my XXXX account. On that same day, Discover attempted to take the money out of my account again two times. This caused me {$64.00} in NSF fees with my bank. This is an extreme hardship for me. I am barely able to pay my bills on time. I explained this to an agent and a supervisor at Discover and they will not reverse the fees. Please assist me in this matter. I do not even have gas money now. I work hard selling my personal belongings off to make ends meet and now this has happened ... .I am very very upset and not a happy customer. My credit is perfect. 

Thank You, XXXX XXXX
Consumer complaint received 2017-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CO)

I have 3 years of payments to XXXX " XXXX XXXX XXXX on time without any late fees and my final payment paid in full. I was never in debt and never owed XXXX anything that I did n't already pay. A debt collector by the name of Mercantile Adjustment Bureau has some how stolen my account number, full name, previous address as well as current address from XXXX and contacted me by mail stating that I owe XXXX dollars and after contacting XXXX no such debt was ever owed. This is not only a violation of the privacy policy of XXXX but also has affected my XXXX credit score which will be considered defamation of character. This is criminal and must be dealt with. Questions : 1. How did Mercantile Adjustment Bureau obtain my full name, current and previous address and the account number I have with XXXX? 2. If XXXX did n't place my account with Mercantile Adjustment Bureau then how do they have all of my information? 3. If XXXX is saying this is a fraudulent claim then how can I seek full legal action against Mercantile Adjustment Bureau for theft of personal information, harassment and defamation of character?
Consumer complaint received 2018-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I got a notification from Paypal stating that a strange transaction was placed on my account XX/XX/2018 for a total of {$210.00}. I did not make a transaction on this date and I am not familiar with the recipient. I contacted Paypal and filed a dispute stating the transaction was not one I authorized. They mailed me back stating that the claim was closed and that this transaction was not found to be suspicious or unauthorized and stated that the transaction would be completed on XX/XX/2018.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (FL)

I recently pulled my credit and noticed that i had some errors on my credit report. 1. I noticed several student loan accounts and a few negative items on my credit report. I have n't attended school since i graduated from high school. I have n't applied for no credit since I 've been out of high school. I did n't apply for any credit at all. I was taught by my parents that credit debt could haunt you, so never apply for anything.
2. I sent in several certified letters to debt collection agencies and credit bureaus only to receive bogus verified credit report letters, and letters with no signatures, no original copies of documents when account was open. I only have credit report letters.
3. I sent in police report to all credit bureaus and collection agencies notifying them that an incident with fraud had occurred and none of the accounts is mine. I have n't receive and verification letters or documents verifying my signature, any amounts. I am getting sick and tired of suffering for something that is n't mine. I have contacted all of the companies on the phone and through mail. This situation has been going on for almost a year since i found out about the errors and inaccurate information on my credit report. This is not a threat but i would kindly like the companies know that within 15 days i will be filing a civil law suit against them for breaking FCR laws.
4. I filled an FTC 5. I am harassed by all companies by phone, job, email Company : Account # Dept Of Education/Nelnet All XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This private entity known as transunion is knowingly reporting fraudulent accounts in my report they are breaking federal Law. They have a police report along with a affidavit stating the fraudulent activities. The address in which the accounts are posting from does not exist so I know they are n't investigated these fraudulent accounts they need to remove them at once or I will put them in commerce by billing them XXXX a day until they remove fraudulent accounts not to mention I am prepared to seek litigation in which I am entitled to
Consumer complaint received 2022-03-12
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. (CA)

In Accordance with the Fair Credit Reporting Act, XXXX  account # 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 an account or accounts without written instructions or authorization.

15 U.S.C 166b A Creditor may not treat a payment or payments on a credit card account under an open and consumer credit plan as late for any reason. 

1. ( XXXX XXXX Bank ) Address-XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRY DATE- XX/XX/XXXX 2. ( XXXX XXXX XXXX ) ADDRESS- XXXX XXXX XXXX XXXX NJ XXXX COMPANY # ( XXXX INQUIRY DATE- XX/XX/XXXX 3. ( XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX COMPANY # ( XXXX ) INQUIRY DATE- XX/XX/XXXX 4. ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX IA XXXX INQUIRY DATE- XX/XX/XXXX 5. ( XXXX XXXX  XXXX ADDRESS- XXXX XXXX XXXX XXXX XXXX DE XXXX COMPANY # ( XXXX ) XXXX INQUIRY DATE- XX/XX/XXXX 6. ( XXXX XXXX XXXX XXXX  OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : XXXX ACCOUNT # XXXX
Consumer complaint received 2022-02-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX, I have been a victim of Identity Theft and have suffered tremendous lost because of it. I submitted all of the proper documentation to all XXXX bureaus on XXXX XXXX of 2021 and have yet to get any response. I have suffered financially, fraudulent accounts have been opened in my name and I am just asking the bureaus to do the right thing here and by law per section 605B of the FCRA, these accounts should have been blocked within 4 days and an investigation launched on my behalf.
Consumer complaint received 2019-03-28
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: EQUIFAX, INC. (NC)

Equifax is reporting incorrectly that I am 90 days past due on the XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act ; XXXX 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 2022-03-12
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: EQUIFAX, INC. (TN)

On XXXX, I personally sent in letters to all three bureaus informing them about the inaccurate information that is reporting to my credit report. It's been over 45 days and the law states that they have 30 days to come to a conclusion with their investigation and I still haven't heard from them. I also found out that I was affected by the equifax data breach, and my information could have gotten into the wrong hands. I feel like I'm being taken advantage of and ignored. Please help me with this issue.
Consumer complaint received 2019-03-28
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: Experian Information Solutions Inc. (CA)

I contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : XXXX XXXX XXXX  XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX I am attaching all the documents I sent to them earlier for your reference
Consumer complaint received 2019-05-09
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. (NC)

The following accounts do not and have not ever belonged to me : XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$2900.00} XX/XX/XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2019-05-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX and XX/XX/XXXX my apartment was opened illegally and items were stolen. The police fingerprinted and filed a report on the spot. I have renters insurance through USAA. They asked me to upload the police report which I did right away and all photos of my belongings that were stolen. They asked me to also upload any receipts I had. I did this but they were ignored and they made me upload them 3 times in addition to sending them the very same day via email which they asked me to do. They put a woman named XXXX on my case and things went really slow and she never knew where anything was. She told me an agent needed to come to my home and ask me random questions and see photos and videos they already had in their possession. I was put off by the face that he couldnt interview me by phone but had to come to my home. I need assistance I am being denied due process and they are making errors on my claim. Usaa
Consumer complaint received 2018-10-27
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: WELLS FARGO & COMPANY (NV)

I recently obtained a copy of my credit file and noticed that the information reporting is inaccurate. I contacted all three bureaus and expressed my concerns. Two of the three bureaus removed the items and XXXX did not. I sent a copy of the investigation results from the other bureau showing the item had been investigated and removed. According to the FCRA if one bureau finds the item inaccurate, incomplete or unverifiable they are to share that information with all other bureaus and the item should have been removed.
Consumer complaint received 2018-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2018 my account was charge twice for the amount of {$110.00} and {$170.00} from XXXX. The valid amount is {$110.00} and the invalid amount is {$170.00}. I have called both parties XXXX and chase for a refund. XXXX said they wont be able to do anything and I must called chase I then called chase and they had said they will place a temporary credit of {$170.00} which I never received. I called chase again today XX/XX/2018 and I only received attitudes and was told they cant do anything at the moment. All I want is my amount of {$170.00} I dont have anything to feed my kids or myself Now because of this. 
Thank you, If you can please help it will Be very much appreciate
Consumer complaint received 2017-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Integrity Solution Services, Inc. (AL)

A loan that I have for XXXX XXXX was transferred to Pinnacle Financial Group. I made a couple of payments via the web site provided. However, I never got a payment statement, a late payment notice or was shown a past due amount on the web site. So, I did not pay the note for a couple of months because I had know way of knowing if the web site was official, active or where my money was going. Needless to say, the principal amount was not being reduced by my payments. When someone finally made contact with me about my loan, I asked for a schedule to show how my payments were being applied because the principal remained the same. I found that even though this is a simple interest loan, my payments were being applied only to the interest with no principal reduction. This practice has continued as late as XX/XX/XXXX. It also happened on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I will never pay this car off at this rate and they have continued this unfair practice of not applying my payments to the principal and interest correctly or to schedule.
Consumer complaint received 2022-02-17
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. (TX)

XXXX XXXXXXXX credit card Spoke with them last year to cancel both cards I have other them. Their representative badgered me into keeping the cards open and promised to lower the interest rate, raise my credit limit, and waive the annual fees. None of this happened. I ceased to use the card but they unbeknownst to me slapped the annual fee on the card and then started charging me late fees when I didnt pay a bill I didnt know I had, and shouldnt have had. My credit score has now been seriously compromised. 

I have been unable to make direct contact with them, it appears any numbers only direct you to automated systems and it is impossible to speak to an actual person. 

I have attached screenshots that show their chatbot just sits on the typing screen and you can not enter any information, and there is no direct customer service number you can call.