davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am formally writing this complaint because my credit report is being damaged by the company XXXX XXXX XXXX. I have disputed with XXXX XXXXXXXX XXXX regarding inaccurate information that they have furnished with the consumer reporting agencies for the past 2 months to no avail. They did not correct the inaccuracies I provided them in my letters along with copies of supporting documents and they were given multiple chances to do so. As a result of their consistent failure, I requested to XXXX XXXX  for the account to be removed for both XXXX and TRANSUNION and told them that they would be liable for reporting misinformation, but they ignored my request to do so and still will not let up regarding the fact that they were wrong and had failed to correct and update the info that they had furnished with the CRAs. I provided documentation showing that there are bonified inaccuracies and that the account information in my consumer disclosure reports did not match up. Specifically, regarding the late payment dates showing in the payment history. " XXXX, XXXX ''. I have attached 2 consumer disclosure reports and a credit report from a 3rd party company which are all showing inaccurate info reported from XXXX XXXX XXXX. The Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( b ) states ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX XXXXXXXX XXXX has not been complying by this law. It is not fair, and it is abusive and damaging to my reputation and credit worthiness. Furnishers must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e ). XXXX XXXX XXXX is still reporting inaccurate information to the consumer reporting agencies. I am filing in request for remedy regarding this matter. Please see the evidence provided once more.
Consumer complaint received 2022-07-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2015-09-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (WV)

I have a loan with XXXX that is serviced by AES. They unexpectedly, without permission, or explanation extended my loan term in order to collect more interest. This is contrary to the contract I signed and, without consent, I believe it is highly illegal. I had to hire a financial adviser in order to figure out what happened as I called them on 2 occasions and was told my loan was recalculated and that in the past I was overpaying. I have attached a loan term from XX/XX/XXXX and XXXX from XX/XX/XXXX that shows the 60 months being added to loan XXXX distributed on XXXX/XXXX/07. Again I did not request this. The excess interest that they are attempting to cheat me out fo is XXXX. I am sorry to keep filing complaints I just desperately need help.
Consumer complaint received 2021-02-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. I really feel like the credit bureaus are taking advantage of me by ignoring my disputes. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. Please help resolve this misleading information.
Consumer complaint received 2021-02-25
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: DISCOVER BANK (TX)

I am filing a complaint because DISCOVER FIN SVCS LLC, XXXX, XXXX, and XXXX has ignored my request for the documents their company used to to verify the account I have disputed. Being that they have gone past the 30 day point and can not verify this account, under Section 611 5.A of the FCRA- they are required to " promptly delete all information which can not be verified. '' that I am disputing. Please resolve this as soon as possible. Thank you!
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

I was shopping at Macys and the sales associate asked if I wanted to sign up for a Macys card in order to save 20 % on my purchase. When I asked if the Macys card was a credit card the sales associate said no. After inputing all my information I was informed that I signed up for a credit card. I never wished to open up an additonal line of credit and I never received the 20 % discount that Macys promised would be given, which I insisted on because I did not wish to receive the benefits of having this card.
Consumer complaint received 2016-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (VA)

My organization was preliminarily approved as qualifying for the XXXX XXXX XXXX XXXX program. Later, FedLoan Servicing rescinded the prior approval, saying that my organization did not actually qualify.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

Equifax is not verifying my judgment with the courts as they claim they are doing. It 's for case number XXXX. This judgment is invalid! What more do I need to provide them? They are not verifying this with the XXXX XXXX City Circuit Court, they are using a third party agency.
Consumer complaint received 2024-02-15
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-02-04
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)

MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST.
Consumer complaint received 2022-02-04
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. (IL)

MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST.
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I have a mortgage account that was with Chase Bank. My payments went up very high. I tried to get a modification and was denied. I filed Bankruptcy to keep my home. I did everything my lawyer asked me to do. XXXX While in Bankruptcy, Chase must have sold my loan to SELECT PORTFOLIO. I was never given a goodbye letter or anything. I only found out when I received a letter from XXXX XXXX saying they are foreclosing on my home. My home is a MERS account and the CHAIN OF TITLE SEARCH SHOWS NAMES AND INFO AND TRANSACTION THAT IS NOT ON MY ORIGINAL PROMISSARY NOTE. SELECT PORTFOLIO DOES NOT HAVE LEGAL GROUND TO FORECLOSE ON MY HOME. This is wrong. MANY OF MY DOCUMENTS WERE ROBO SIGNED. PAPERS WERE FORGED. PLEASE HELP ME
Consumer complaint received 2024-02-15
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. (GA)

I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

My wife and I hold a checking / investment account with Merrill Lynch. As part of their regulation process they are required to verify some details with account holders. Since I log in regularly it was fairly automatic for me. Since my wife does not they claim to have emailed her to ask her to update her account twice. We have not record of this email and Merrill refuses to provide evidence of it to us.

As a result Merrill proceeded to lock our account with no warning to myself, the other account holder, and no written communication ( such as a letter ), attempt to call in person, or text. This caused us to miss several bills that were paid out of that account, incur late fees and potentially may impact our credit.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (CA)

Went to a after hour and purchase a fish dinner for {$12.00}, the waitress never came back with my credit card and I had to get another waitress to hunt her down to get my credit card back because I became worried. She came back to my table with other receipts that were not mine and said she was sorry would return with the right receipt, later she gave me my right receipt which was in the amount of {$12.00}, I ask her did she cancel out the wrong amounts, and she said yes, I asked her for my copy and she said she did not have one for me to sign but would write her name on my receipt and the amounts and, if I had any problems. The next day I was charge {$35.00} and XXXX for purchases I did not make. File a dispute with Chase bank and Chase customers service representatives refuse to give me credit for the {$39.00} and insist on crediting me the {$4.00} only because credit was given for {$35.00}, but their were XXXX unauthorized charges I only sign for the {$12.00} which I did purchase.In total charges were {$74.00} charge to my credit card, Chase still owe me {$35.00} minus the {$4.00} given already as a credit. I want my refund immediately credit to my account. I do have the receipt the waitress gave me with her name on it.
Consumer complaint received 2024-02-15
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-07-20
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: U.S. BANCORP (NC)

In accordance with the fair credit reporting act US Bank Account XXXX has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent 15 USC 1666b- States a creditor may not treat a late payment on a credit card account under an open end consumer report as Late for any purpose
Consumer complaint received 2020-11-26
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: SYNCHRONY FINANCIAL (FL)

On XXXX. XXXX, 2019, XXXX XXXX   XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, SYNCB/WALMART PLCC add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2015-04-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

My wife and I have a mortgage with Chase. They have forced placed flood ins. on our property and we can not get anyone on the phone that even knows what a flood map is.Please reply asap the bare charging us 6000 dollars a year and we are not in a flood zone.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (DC)

There are a number of poor business practices involved in this complaint - On XX/XX/XXXX I was charged two fraudulent charges from a gas station in XXXX XXXX ( not my charges, haven't been to XXXX XXXX in many years )- I call and report the fraud in XXXX, they say they are working on it and issue a new card number - Month or so later I receive a later saying the issue was solved - The company then continues to send me letters displaying the balance with the fraudulent charges ( {$240.00} ) - In late XXXX I call and confirm that there should NOT be a balance and request to close the account. They again say there is no balance and they are closing the account. 

- In XXXX, I get another letter referencing the balance. I call to make sure account is closed and there should be no balance. They say no balance and takes a month or so for the account to " reflect as closed '' - XX/XX/XXXX, I get another letter referencing the balance. I call XX/XX/XXXX. I talk to a gentleman at first who keeps saying " Sir '' and pretends to not be able to hear anything, then I'm transferred to an " Account Mgr. '' who isn't much better. She eventually says, that there is a balance but it is not collecting interest and that the investigation/dispute of the fraud is ongoing and that investigations are resolved in 30 to 90 days ( it was been 5 months at this point well over the time period ). I they have no idea when the investigation will complete. There is no way for me to contact the fraud department. I hold on the phone for XXXX  mins for a manger who never comes on the phone. I just want nothing to do with company and to close this account and never hear from them again. I have never had a fraudulent charge from any other company and when I close other accounts, it is done and I don't have to worry about it anymore. I have no idea what this offshore company is doing with my information. It's bad enough I was a victim of fraud, but there completely incompetent resolution process makes me incredibly nervous.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-15
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. (IL)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Perfection Collection (MD)

I am writing to inform you that Perfection Collection LLC has placed information on my credit file even though I had disputed them within 30 days. They are a third party debt collector and I have not contract of agreement with them. They continue to report the negative information on my file as if I have a current account with them. 

I am providing further information to support my dispute