davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (FL)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX is not removing accounts that should be removed from my report that are inaccurate from XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Refinancing with Wells Fargo Home Mortgage. They are lying and deceiving the females, handicap, and disabled. 

The reason why I didn't pay anything upfront YET was because I was a bit suspicious that the interest rate they were applying was at 4.165 %... When I checked with XXXX, the refi fixed rate is standing at : 30 Year Fixed Refi 3.45 % 3.16 % 15 Year Fixed Refi 2.66 % 2.49 % They are aware of the Credit Fraud ( 27+ years and still protected ) that which is documented with the XXXX XXXX XXXX XXXX Locally and Federally ) and the OPM has me set up for another 10-12 years due to ID Theft & Fraudulent use of my information. So they calculated my score as XXXX... This is a 20 year Conventional Refi for only {$48000.00} I've been with XXXX/Wells Fargo XXXX Wells Fargo bought XXXX in XXXX and the entire account was merged over in XXXX ) since I bought this property in XXXX. Never defaulted, never was late, had to pay additional {$12000.00} UPFRONT because of Wells Fargo 's Errors? 

PROBLEM? 

My ex-husband ( Not only did I speak with him, I saw the loan as well, all documentations ). HE has a poor credit score of XXXX but he was approved several months ago for a 2.1 % - 15 Year Conventional? AND HE HAS FILED BANKRUPTCIES THREE TIMES OVER! ( Last one,6 years ago, 2nd time - 9 years ago, and first time in XXXX ) And he got a loan for {$220000.00}. He had his closing within 2 weeks. 

AND NO APPRAISAL OR HOME INSPECTION WAS EVEN REQUIRED FOR A REFINANCING OF HIS PROPERTY. 

BUT THEY ARE ALSO REQUIRING HOME INSPECTION AND APPRAISAL ON MINE? 

I DEMAND ANSWERS...
Consumer complaint received 2018-02-03
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. (MT)

Transunioin-I attempted to place a credit freeze on my Transunion account, however they have a list of questions they ask and I did not get them all correct, the system denied me access. Some how I received a letter from them to start a security freeze or lift one. This form asks me for my PIN however I don't remember getting to this part of the process due to answering the question incorrectly which they ask such obscure questions I have no idea what they are talking about. I have had hundreds upon hundreds of creditors and do not have documentation or memory of every single account. It took extensive searching to find a contact number to speak to a representative. The representative asked me 3 security questions again which I know I got 100 % right but was denied help on my account. So I was able to get the correct mailing address and mailed my request to them so hopefully that will work??? How can these companies provide no customer service and not have their facts about me correct? their is no accountability for them, this is rediculous. 

XXXX-The online system lets me complete the input for the request but when I click submit the system says it is timed out, this is crazy as I will have it completed very quickly. You can not get any customer service help at all. This system is as messed up if not more than Transunions. I am going to have write a letter and request help here also. I can't believe the level of XXXX these credit bureaus are allowed to get away with. 

XXXX- The online system lets me complete the input for the request and I get an email confirmation that my credit is unfroze but this is not true because I have had XXXX try to pull credit and it is always locked. You can not get any customer service help at all. I am going to have write a letter and request help here also/again. How can these companies be so horrible at their jobs and how come no one does anything about it?
Consumer complaint received 2021-05-03
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 have inquiries on my credit report I never applied or signed my signature for on Equifax and XXXX  Equifax fraudulent inquiries and dates are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fraudulent inquiries and dates are : 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 I would like removed from my report
Consumer complaint received 2018-07-01
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. (PA)

I have the same error on my TransUnion credit report, and my XXXX  credit report. XXXX won't give me my credit report online because they can't identify that I'm the same person because they have my information completely wrong. 

This error is part of an account that is NOT mine. Me and my father have a similar name, and these credit reports blatantly show that and even have my birth year completely wrong and also show that I use multiple different names. 

The account name is XXXX XXXX, and the past due amount says {$870.00} dollars on my credit reports. TransUnion and XXXX state that this account has been opened on XX/XX/2017.
Consumer complaint received 2023-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (LA)

Fox collection is trying to collect a debt for XXXX XXXX this a lease to own account when purchasing it the sales person said if any reason cant pay for just call them have them pick it up I did that was told nothing about owning anything the person spoke to said they will have it scheduled for pick up I said so that all I need to do she said yes someone will pick it up in few weeks there running behind on pick ups but it will get picked up now they filed a collection on my credit report for a delivery fee that was never spoke to me about this needs to be removed from all three credit bureaus reports please
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have submitted an investigation before but capital one keep reporting my account as charged off and I have settled that balance in XXXX. They have updated the balance but they keep reporting the card charged off even though it is settled.
Consumer complaint received 2019-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I used moneygram.com to send $ but moneygram would not allow pick up for unknown reason. Moneygram cancelled my transaction and still did debt my bank account. Spoke to reps numerous times and was told to wait for the credit to my account on 6 different occasions. Rep said my bank was the problem so I contacted my bank and they did not have any issues and were never sent the refund. Money was debited on XX/XX/19 and I still have not been reimbursed for the failed transaction. Reps continue to tell me money should be returned by a certain day and when its not I call again and they can not tell me where my money is so they again tell me to wait a few more days. Transaction number is XXXX and the number is XXXX. Amount is XXXX. Attached the 2 emails I received from them below.
Consumer complaint received 2023-01-23
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. (TN)

I noticed unauthorized credit inquired on my credit report. Someone had to applied for something in my name. 

Ive sent several disputes to remove the fraudulent hard inquiries. 

Due to fair credit reporting act, these unverified and unauthorized accounts are not related to me : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

XX/XX/2021 MoneyGram Transfer Online to : XXXX XXXX, for {$15.00} USD to XXXX, XXXX XXXX was transmitted, reference # shown then quickly delete & account blocked as a Plus Member # XXXX customer in good standing treated with the 3rd degree of suspicion when speaking with Supervisor XXXX. 
Previously XX/XX/2021 a transfer to a girlfriend in XXXX ( A gift ) another transaction made online, it should not have been necessary after multiple tries online & the app for me to go to a location, and treated in the 3 degree. The transaction process went through all the steps until 'send payment ', each time getting the error or exception occurred. 
Noone at MoneyGram is willing to addressed the disparity in sending money online to XXXX. As a professional no MoneyGram official is willing to even look into this and offer a comprehensive solution which is discriminatory in nature. 
Unacceptable
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$9500.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX {$4200.00} XX/XX/XXXX XXXX XXXXXXXX {$2500.00} XX/XX/XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} -- / -- XXXX XXXXXXXX {$1400.00} XX/XX/XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX  XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$290.00} -- / -- NOT PROVIDED XXXX {$75.00} -- / -- 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-10-26
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: LD Holdings Group, LLC (MI)

I am asking for CFPB employees to assist in getting to the bottom of this wrong information that could lead to the stealing of my loan3 dated XXXX from XXXX  XXXX  and my property XXXX XXXX XXXX XXXX, mi XXXX. Under file number of XXXX XXXX dated XX/XX/XXXX. That there was some kind of business that hit my credit from loan depot ( not me ) and I believe it was scam XXXX XXXX XXXX came and ask me to move out in XX/XX/XXXX and possibly using my name and this action came up XX/XX/XXXX on my credit report. 

Shows an written authorization on XX/XX/XXXX taken place under XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ca XXXX XXXX XXXX. 

Please look into this because when I brought this up to XXXX XXXX attorney XXXX XXXX XXXX that this was his client using my name he did not deny it and just said he had nothing to do with that.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

XXXX Credit Report reviewed date XX/XX/XXXX Collector = Procollect Inc XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) Original Creditor = XXXX XXXX XXXX XXXX XXXX = {$74.00} Review of my credit report list the above credit collection account twice ( duplicated ). It was paid in full XX/XX/XXXX. I was not aware of the debt until I received their collection letter in XX/XX/XXXX which you can see I paid promptly. ProCollect refuses to remove these negatives on my credit report. Due to the age and their error duplicating, I've made attempts via online dispute and phone calls with no results. Agent answering the phone is rude and hung up on me. 

I request both collections be removed ASAP. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

Recently, and for what seems to be no discernable reason, there was a 59 point drop in my credit score. I inquired the company, and they could not explain the justification. When working with their representative, he even noted that there was no discernable reason for such a drastic drop. While refreshing the credit report, it dropped another 4 points, again based on no significant change in the reported information. The use of arbitrary factors, in which consumers have no visibility on in which to relay a significant credit risk to creditors that the consumer can not reasonable discern is punitive in nature and violates the expected transparency of the financial and credit industries. Experian continues to downgrade my score with no discernable causation within my credit history. A complaint was filed with Experian, complaint number XXXX. There has been no action on the complaint.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

The company received my information from another party and is now attempting to collect an alleged debt. I did not give written consent to communicate with me at all nor did I give written consent to furnish anything on my report. No consent is identity theft. I am very upset at the way these companies do business and it is harming my character.
Consumer complaint received 2018-02-03
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 am filing a complaint against the 3 credit bureaus Experian, XXXX, and XXXX. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and 2 more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, Experian and XXXX  removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.
Consumer complaint received 2022-04-29
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. (FL)

I checked my personal credit report, which I acquired from your organization on and I noticed that this unauthorized inquiries had been made 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-26
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: JPMORGAN CHASE & CO. (CA)

I placed two orders for XXXX XXXX gift cards and never received them. The first order was for two {$200.00} gift cards And the second order was for one {$200.00} gift card. These gift cards were supposed to be delivered via email within 48 hours and never arrived.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Avant Holding Company, Inc. (NY)

I requested a credit line increase and was told that I couldnt receive it because I already got one. False I never received an increase. I got an email stating it was an error and they would re-evaluate for the credit line increase and send me a correspondence in the mail the letter received stated I already received a credit line increase, which is wrong my limit is still {$300.00}.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

This involves Chase. My card were stolen, I reported this to Chase, local police and state AG office and elder abuse. I closed this account but they sent replacement cards. Fraudulent charges began XX/XX/XXXX ( I am hopefully attaching statements ). From that date XX/XX/XXXX until at least XXXX all charges were not mine. Chase said they investigated and that " the transactions are correct '' I have not received any documents from that investigation. I was XXXX in the hospital twice in XXXX and twice in XXXX returning home XX/XX/XXXX I could not have used the card while in the hospital. 
Chase maintains I owe XXXX all fraudulent. Payment history for years is on time and in full. 
From XX/XX/XXXX forward these charges are not mine ( except XXXX XXXX   my phone provider which is direct bill and cost less than XXXX per month times XXXX, XXXX, XXXX. 
Would like to resolve this I have spoken to a number of RepsXXXX and Managers ( most names I have ) and have spent hours trying to resolve this.