davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (DE)

XXXX and Transunion are reporting a late payment to XXXX for the month of XXXX. This is totally incorrect and should be updated immediately. My original dispute was to remove a late payment for this account in XX/XX/XXXX ( not XX/XX/XXXX ) which is currently being disputed by credit card company as well. This is effecting my credit score and I'm tired of going back/forth with these credit bureaus inaccurate reporting. I am attaching copies of XXXX and Transunion reporting along with my credit card statement clearly showing payment for XXXX. I HAVE NEVER BEEN LATE WITH THE CREDIT CARD. And, after speaking with the credit card company, they agreed as well -- never late -- and are currently disputing this item as well. However, the credit bureaus should delete late reporting immediately! 

As a consumer, my rights are being violated by these credit bureaus and they should be reprimanded for such acts. According to 15 U.S.C. Section 1681A - ... " unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the bank system. ''
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

On Wed, XX/XX/2564 BE at XXXX XXXX  XXXX XXXX XXXX wrote : I paid for XXXX XXXX XXXX services and during the year I had this protection my info was breached on the dark web 19 times. Ive been dealing with payday loans being taking out in my name XXXX Kansas and all kinds of other identity theft issues. I want to know how to pursue the id theft insurance premium that was guaranteed as part of my membership, as Im not satisfied that my info was kept private or protected. I suffered lost wages from not being able to work, had to pay for credit repair services, unauthorized transactions and accounts jn my name, and other issues tied to these data breaches. Now I heard t mobile has one, which I had last year and also have a ridiculous bill I need to dispute on my credit report. Please see attached for examples.
Consumer complaint received 2018-02-17
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: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
Consumer complaint received 2022-01-18
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (CO)

I contacted Wells Fargo in an attempt to close a credit card account opened for me unauthorizedly as part of the Wells Fargo account fraud scandal. I had previously paid off the card a day prior. 

Upon explaining that the account was opened for me in an unauthorized manner, the representative suddenly went off-script and indicated, instead of continuing the procedure to close the account, that their company lists unauthorized accounts ( read : accounts opened illegally in customers ' names by representatives of Wells Fargo ) separately in their internal systems from accounts opened directly by customers. This immediately struck me as indicative of a broader organizational effort to engage in, curate, or otherwise downplay fraud as part of the unauthorized accounts scheme. Before I could press further, I was transferred on to a second representative, who indicated she was part of a customer service department. 

This individual also refused to close the account, instead noting that she was unable to do so. Instead, she offered a " case number '' and indicated that I would receive further correspondence on the issue. 

A full, unabridged recording of the call with both representatives is available upon request. Additional identifying information or essential case details may be provided upon request.
Consumer complaint received 2021-03-04
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: Cascade Capital, LLC (UT)

I recently received a letter from Cascade Receivables Management that I had to pay on a debt. I never received any other letters from them with any notices about any debt and this violates my 30 day right to dispute. They are claiming that I owe money for XXXX XXXX XXXX XXXX and I have never heard of them before or been anywhere like that. This debt is not mine and they must stop and cease all collection activity. 
I am now asking for validation for this debt you say I owe. I am requesting proof that I am the party responsible for this debt and that there is some contractual obligation that is binding on me to pay this debt. This is not a request for verification or proof of my mailing address but a request for validation! I ask your offices provide me with evidence that I have any legal obligation to pay you. 
I will also inform you that if you offices have or continue to report invalidated information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by Cascade Receivables Management I will not hesitate in bringing legal action for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I have never been to such hospital and ask you cease all collection activity. This account is not mine.
Consumer complaint received 2018-10-31
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: U.S. BANCORP (CA)

I have filed a claim for a fraudulent transaction to US Bank in the amount of {$520.00}, which occurred on XX/XX/2018. US Bank has denied my claim stating that they have sent a text message to my cell phone to confirm the transaction from XXXX XXXX XXXX on XX/XX/2018. 
1. The transaction did not occur on XX/XX/2018 so it was not possible for the bank to text me in regards to this transaction as the transaction occurred on XX/XX/2018 2. I have contacted my mobile phone provider with all incoming text messages on these dates and their documentation shows that no text messages have been received on XX/XX/2018 from XXXX XXXX XXXX XXXX 3. US Bank has denied me to provide this proof from the mobile company and to review the case
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Russell Collection Agency, Inc (MI)

Russell Collection Agency stated that they had updated my credit bureau with the removal of two collection items from XXXX XXXX  for XXXX and XXXX. They stated that I needed to contact XXXX XXXX  because their information was inaccurate. I reached out directly to the credit bureaus and the accounts are still showing open.
Consumer complaint received 2019-08-30
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. (GA)

I recently called chase submitted two claims they stated since I went to the bank and have online banking and reported this late and have logged on to online banking and was not able to contact them when Ive contacted them twice about the same issue and no one submitted my claim the first time. They denied my claim and now they have reopened for another review but the representative stated its rare for me to receive the approval it depends on investigation.
Consumer complaint received 2018-02-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (NV)

I have a loan for {$1000.00} taken out in XX/XX/XXXX. I have paid six bi-weekly payments of {$220.00}, totally {$1300.00}. Plus an additional payment of {$220.00} that was recently taken despite the fact it was unauthorized ( more about that below ), making it a total of {$1500.00}. To date, the total amount I have paid ( which is {$540.00} more than the loan ) has gone towards interest only. 

In understand I took this loan, but the APR of 545.6883 % was not made known to me until after the loan was being funded. At a minimum, if I pay off this loan today, I will be paying a total of {$2600.00} for a {$1000.00} loan. I feel as though I have mislead and taken advantage of by Big Picture charging this exorbitant amount of interest, and failing to disclose the extremely high rate until after the loan was processed. 

I sent an email requesting to resolve this issue in an amicable manner, and revoking my prior ACH authorization, on XX/XX/XXXX. I followed up on XX/XX/XXXX, with a phone call to ask when I would receive a response and, again, revoking my ACH authorization. The customer service rep assured me that no further ACH transactions would be taken from my account, and that I would hear back shortly from the escalation team regarding my email. To date, I have not received correspondence back and Big Picture Loans processed an ACH transaction on XX/XX/XXXX. 

Furthermore, I don't believe this company is licensed to do business in my home state of Nevada. While I would like to resolve this issue, Big Picture Loans has been unresponsive and has blatantly ignored my requests by taking an ACH that was no longer authorized.
Consumer complaint received 2021-03-04
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (TX)

I filed a dispute on my account for a transaction in the amount of {$780.00} on XX/XX/XXXX. My claim was denied 4 times for bogus reasons. It wasnt until I filed a complaint with CFPB I was notified by BBVA by mail which is now PNC that they were investigating the claim & would issue a provisional credit & any fees assessed on the account would be credited it back to my checking account ending in XXXX once the claim was final. I noticed on the BBVA 3 fees were reversed. I called to inquire why only 3 fees were reversed since there were a remaining XXXX ; I was told the remaining XXXX fees for {$38.00} each would be credited back to my account once the claim was final. Since then they have found another way to defraud me in retaliation of my complaint to CFPB & have sent me another letter indicating they will be debiting my account for {$130.00}. Had this claim been processed on my original request I would have never been charged {$38.00} for any transactions because it wouldve have been well enough money to cover all of the debits that were presented. This has been discussed with several representatives who ensured that all of the fees would be refunded once the claim was final. The claim was finalized on XX/XX/XXXX. I called today XX/XX/XXXX to inquire about the letter, I was on hold for 1 hour & 30 minutes & was transferred four times. Finally a representative in what PNC calls core department, I was told theyre not refunding me any fees & theyre debiting my account an additional {$130.00}. In all I am still out of {$780.00}, including never receiving the merchandise purchase since XX/XX/XXXX & {$1000.00} in bank fees. They have even blocked my access to my BBVA app to review any bank statements, & communication letters. Each time I try to click on statements for both the PNC app, & the website, its buffering & will not allow me to view any transaction history. Its been this way for 26 days.
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (GA)

I have unauthorized transactions that was continously made on my account that I was not aware of. XXXX XXXX XXXX said I need to contact the merchant but I don't no the first thing to do to reach out to the merchant. you have to have the person that committed the fraud on my account information. to get any kind of info from the merchant. all i have is my card number and that isn't enough.
Consumer complaint received 2018-02-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (NC)

On XX/XX/2018, I applied for a mortgage loan and was informed there was a {$1100.00} collection item on my credit report being reported from RentDebt Automated Collections unbeknownst to me. 

Later, on XX/XX/2018, I executed an online dispute with XXXX, XXXX, and XXXX, regarding the collection item and company as I had not been contacted by RentDebt Automated Collections regarding such debt ; therefore, the debt should be removed and/or shown as charged off.
Consumer complaint received 2023-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have a mortgage loan that I have had since XXXX and never missed or been late paying my monthly mortgage payment. My property located at XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX. XXXX, my mortgage loan # XXXX was transferred to Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX. XXXX ) Firstly, Shellpoint said that I didn't have Hazard ( earthquake ) insurance coverage on my property, I sent them a copy of my XXXXXXXX XXXX XXXX XXXX  of Liability for XXXX, XXXX, XXXX and current XXXX. 2 ) Secondly, Shellpoint said that I didn't have homeowner insurance which covered Betterment and Improvements. Once again, I provided Shellpoint a copy of my Pinecreek Villages Master All-in One HOA Insurance Policy which covers everything that is inside my unit that was there when I purchased the rental property in XXXX. 

Shellpoint changed my mortgage contract and added an Escrow account without my knowledge or signature. They placed their expensive Lender Hazard Insurance, therefore increasing my monthly mortgage payment. Shellpoint have refused to accept my HOA XXXX, XXXX, XXXX, XXXX Certificates of Liabilities, or my personal XXXX XXXX policies for Hazard # XXXX and homeowners # XXXX. 

I have called Shellpoint and spoken with numerous agents, and I have also sent the proof of insurance documents to Shellpoint via email and USPS. They still will not remove their Lender 's placed insurance, nor will they remove the escrow account from my mortgage contract and refund me my money for their Lender placed insurance. 

Will you please help me? 

XXXX XXXX XXXX Property Owner
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

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. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX have 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 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 2019-06-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Circle Internet Financial ()

Poloniex deducted my XXXX account by 16 % following a loss amongst margin traders which resulted in them defaulting on their loans ... as a result Poloniex made up this loss by taking 16 % from every users account. See link below : XXXX : XXXX
Consumer complaint received 2024-02-28
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. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/2023 {$490.00} XXXX 2023 {$490.00}
Consumer complaint received 2022-09-15
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. (MD)

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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IA)

I am a member of Experian Credit works. I am given 3 bureau scores and Experian reported my scores as XXXX Experian XXXX XXXX and XXXX XXXX. Today I attempted to apply for a mortgage and was declined since my Experian score was reported to the lender as XXXX Experian and I believe XXXX XXXX with a free on XXXX. Experian is not providing accurate data and as a result I now have an additional hard inquiry. This company should be investigated as they charge for this program and are providing misleading information to consumers. Moreover on several previous attempt Experian refused to remove incorrect information on my report.
Consumer complaint received 2024-02-28
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2018-10-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I recently filed bankruptcy stop the property foreclosure sale of my home. 
My Bankruptcy has been dismissed and I recently submitted financials and request for mortgage modification again. Regions bank has given me a hard time with my request for mortgage assistance. Regions has informed me last week they would not review my file because I was on XXXX. I did provide the requested documents I don't want to lose my house to foreclosure. Received a letter in the mail from the XXXX XXXX  XXXX Regions foreclosure attorney stating there is a property foreclosure sale set for my home XX/XX/2018. The letter is dated XX/XX/2018 the Tennessee law states the homeowner is to be given 30 day notice before the property sale date. I didn't receive this notice 30 days before the sale date. I feel I'm being discriminated and not being treated fairly. see attachment