davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have a problem with XXXX  and Transunion not making it available to me what Mortgage score they report to mortgage companies and banks without my knowledge and consent. 

I am only able to see my mortgage score with XXXX  but both XXXXx and Transunion DO NOT make that number available to me, even though most banks and mortgage companies use that number to deny giving me mortgage loans or to qualify me for one. I believe this is a deception, and a violation of my consumer rights, especially since that information is used to deny giving me, and millions of other consumers, mortgage loans, or to qualify for buying a house.

Credit reporting companies provide FICO scores, and my FICO score is GOOD with all 3 reporting companies, but XXXX is the only company that provides a mortgage score to consumers, however, both XXXX and Transunion maliciously " HIDE '' that number from consumers, even though they know their action will harm consumers. 

Mortgage scores should be not be " invisible or hidden '' from consumers because banks and mortgage companies rely on that score to give, or deny, giving mortgage loans to consumers, and they harm American citizens from their rights to purchase a home. 

I have been trying to qualify to buy a home for me and my family for the past 5 years, but, I have been denied every time because hidden mortgage scores and other info. are not available to me by XXXX  and Transunion, and most banks and mortgage companie

s use the " HIDDEN '' numbers from XXXX specifically to deny giving me a mortgage. I can not fix, or improve, information and scores hidden from me, but is also used against me to deny me benefits and credit. By keeping the mortgage scores hidden, XXXX and Transunion DO
NOT update, or correct scores and information regularly because consumers don't have access to that score, therefore, consumers can not dispute or challenge the incorrect information given to banks and mortgage companies. 

This is a violation of my fair credit reporting act, FCRA, and the consumer protection agency is responsible for enforcing our FCRA rights. 

Thank you
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OH)

Deposited {$800000.00} in investor money for commercial real estate with JPMorgan Chase Bank N.A. Now, due to 'bank error '' the money is not available and all the bank can tell our client is that issue is being " escalated. '' Not what the error is, not when it will be resolved, not when the money will be available, nothing. The investors want some guarantee that the money is available for closing and the bank is not cooperating.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TX)

An American Express XXXX XXXX back was open today. I found out because I got an email from my credit report that an hard inquiry was made today and the credit card was approved for XXXX and that it was summited online. Contact them to report fraud and they cancel the credit card. Credit bureau told me to make a report
Consumer complaint received 2021-07-18
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: SCA Collections, Inc. (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (PA)

company involve is expirian the are reporting wrong information on my credit report also after 2 month of my dispute the did not put the notice of dispute this is a violation of secction 623 of FCRA the account are the following XXXX XXXX XXXX account XXXX XXXX account XXXX
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Titan Receivables, Inc. (CA)

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX  ( Original Creditor : XXXX CITY OF XXXX XXXX XXXX Balance : {$290.00} TITAN RECEIVABLES , INC XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I have never seen this before, there is an account that is listed on my credit file that is unknown and inaccurate as I do not owe. Why wasn't I informed of this? Given the right to dispute? Provided validation? I need help this isn't right.
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (CA)

I closed my discover card account by notifying the company in XX/XX/XXXX. They promised to close my account and to send a paper bill to settle my final payment. I never got a bill until XXXX which showed the final amount with added on late fees and interest charges. I called Discover on XX/XX/XXXX and told them they did not send me the final bill in XXXX so that I could pay it in full and never paid late. They agreed to remove the late fees and interest charges and told me my final payment was {$1000.00}. I paid the COMPLETE amount by check stat on the phone on XX/XX/XXXX. I gave them routing and account number for my bank and their rep confirmed that it cleared. Their customer rep told me my balance was fully paid, account was closed and they would never bother me again. I got another bill and email for {$1000.00} on XX/XX/XXXX. When I called Discover yesterday i.e. XX/XX/XXXX, they said they would " look into it and open a dispute and get back to me in 15 days ''. They said the payment had not processed, although that is not what they said earlier and they had my bank information already and they had 1 week to process it. In the meantime, they said they would keep accumulating interest and late fees and charge me for it. 
Discover is obviously cheating me because they are refusing to process my check, refusing to close my account and want to keep charging fees/interests to illegally make more money from me. 
This is a disgusting and unethical process. They should not try to leech on desperately to customers in order to make more money from them, and to play these desperate games.
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (KY)

I contacted the company immediately following notification of the charge to my card, I spoke to customer service their app has no way to submit fraudulent charges for review, incalled them they told me specifically they wouldn't assist me for 3 days in which ill have to reconnect for them to create a billing dispute. I never recoeved my terms they told me they would provide {$200.00} as a bonus for opening the account i never recieved, terms and conditions i never recieved either or details regarding their negligence to assist with fraud.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: IT'S TIME - CREDIT REPAIR LLC (TX)

I started fixing my credit on or about XX/XX/XXXX with Its Time Credit repair company and they assured me they would be there for me every step of the way and said they would guide me through getting my credit right, not only did they fail to follow up on appointments but they charge me XXXX twice a month once on the first and the other on or about the XXXX of the month. Ive seen little to no change with my credit improvement and none of the inquiries on my account. Ive asked about cancellation due to unsatisfactory service and they said I could not cancel due to us being in business for so long and it being past the 3 day mark or being able to cancel. Also they failed to correctly inform me on how the process would work and inform me of my rights
Consumer complaint received 2021-04-07
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: GLA Collection Company, Inc. (TN)

These accounts have either been sold or transferred. According to my findings, I am no longer liable for the alleged debt, and no written communication, contract, or signature exist. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, this is and attempt to a violation of the FDCPA section 809 it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2021-05-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

SEE ATTACHED DOCUMENTS. 
NO PROOF OR RESPONSE PROVIDED NO CONSENT GIVEN TO REPORTING COMPANY. I HAVE A RIGHT TO PRIVACY AND IT HAS BEEN DIRECTLY VIOLATED BY REPORTING COMPANIES. 
FTC REPORT HAS BEEN FILED.
Consumer complaint received 2021-07-18
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. (CA)

Back in XX/XX/2021 I called Experian Credit Bureau and finally got through to talk to someone ... extremely time consuming and difficult! After reaching someone I explained to them the problem I have with experian boost and how it's not working properly and ways to solve the problem. The problem is boost allows you to get a credit score boost by paying utility bills on time. Since it's not working properly and I've done everything on my end to resolve the situation if I cancel the boost then my credit score will be affected negatively. And I'd like the option of sending in proof of on time payments but have no way of communicating that to Experian. The fair and just thing to do is let me cancel with out affecting my credit score or let me send in proof of on time payments! I have yet to heard back from them about this. My score with Experian is 50 points less than the other Credit Bureaus! This is unfair and unjust!!!!!!!
Consumer complaint received 2021-07-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (MO)

Vanilla one prepaid card XXXX XX/XX/XXXX XXXX Funds were used on XXXX website not by me the purchaser I want to receive my funds back immediately. 
When i purchased this i was covered by fdic insurance. 
I would like a replacement visa egift for the amount of XXXX dollars please and thank you
Consumer complaint received 2021-07-18
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. (MI)

Someone has used my information to apply for a card that I have no clue of who it is. I have reported this as identity theft. I have attached the document for your review. Please delete this information from my credit.
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

I have a XXXX XXXX providing XXXX XXXX  and use an online entry system for show entries. Payment is made online using checks and services such as PayPal. I have been in business for over 20 years and have used PayPal for a number of years. For my XX/XX/2021 shows PayPal froze {$13000.00} in my account alleging " unusual activity ''. They refused to give any additional information after I talked to their representative on the phone. Days later, they informed me that they were holding {$10000.00} of my money as a " reserve '' to cover any claims that might be made against me. No such claims have ever been made. I will be allowed to receive my money after 45 days. Any addition money paid to me will be held for 45 days. I talked to another account representative supervisor who only identified himself as " XXXX '' he would not provide contact information. He said that the decision to with hold my money was final and that there was no way I could have it immediately. This is my money. PayPal is acting as a bank and has no basis for with holding money deposited in my account.
Consumer complaint received 2020-11-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AZ)

I had a settlement agreement with LVNV Funding, LLC, with payments of {$49.00} being automatically debited every 2 weeks through XXXX XXXX XXXX XXXX. My ending balance on XX/XX/2020 was {$490.00} of a {$1200.00} agreed upon settlement. Payments abruptly stopped being withdrawn in XXXX I believe, I called XXXX XXXX and was told to call Resurgent. Resurgent told me there was no record of my account. I continued trying to find out what happened, while LVNV was added to my credit report in the full amount of {$1500.00}. I was finally able to get a hold of someone at Resurgent who told me they will not honor my original settlement agreement since it was through a different company. I was never notified of the change in processing companies. Resurgent wants to settle for {$1000.00}, virtually eliminating the {$710.00} I have already paid toward this debt. I have disputed through XXXX  without success. I am not diputing the ownership, only the amount owed. I have a document from XXXX XXXX showing the ending balance owed on the settlement. What, if anything can be done? Thank you.
Consumer complaint received 2022-10-12
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-11-11
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 — Investigation took more than 30 days
Company: Exeter Finance, LLC. (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-07-18
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. (NY)

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX  - XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).
Consumer complaint received 2018-03-02
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. (CA)

XXXX XXXX XXXX is reporting a car loan on my credit report that does NOT belong to me. I contacted XXXX XXXX several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank locked my business checking account due to an internal error with my ownership %. I resolved this in person at the local branch. The banker stated my account would be restored in a couple days. 6 business days later and my business account is still locked. I can not conduct business due to Chase Bank 's error. This should be criminal to lock my account and not send me my money or let me use my money.
Consumer complaint received 2021-07-18
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: National Credit Adjusters, LLC (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-04-07
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. (GA)

Sent certified mail delivered in the XXXX on XXXX stating this account XXXX XXXX XXXX was not mine and may be fraud. I have many open accounts with XXXX XXXX in good standing and this must be a mistake.
Consumer complaint received 2021-05-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

Rushmore loan management are charging me an extra {$5000.00} on to my mortgage payable over 5 years because they said my payments were delinquent. I have been sending my mortgage through XXXX XXXX over a year an 6mos. because when I sent my mortgage on time they would tell me they were late and charge me late fees. when I look at my credit report they said I was late over 24 times an charge late fees an interest. They are still taking out PMI an I have own my home for 14 years and have not missed a payment.My mortgage went up an extra {$100.00} a month in the year XXXX they don't send my escrow to me I'm not sure if it's accurate.When I would call them they would not listen would tell me I was in foreclosure.I would get robo calls all day and even after XXXX
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (PA)

company involve s equifax & the account is XXXX XXXX i dispute in XXXX & XXXX wrong information in my report and after 2 month of disputing this account the did not put the notice of dispute this is a violation of section 623 of FCRA
Consumer complaint received 2022-11-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

i am submitting this because the XXXX bureaus are reporting misleading, and inaccurances on my report. This is keeping me from obtaining credit.
Consumer complaint received 2021-10-21
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. (MO)

My identity has been compromised to the point someone went as far as opening up and closing accounts in my name ; these accounts are unauthorized and unknown by me. Therefore Im demanding the immediate removal of the following accounts. 

1 ) XXXX XXXX Co {$1100.00} 2 ) XXXX XXXX Co {$170.00} 3 ) XXXX XXXX Co {$92.00} 4 ) XXXX XXXX XXXX {$47.00} 5 ) XXXX XXXX XXXX {$1100.00} 6 ) XXXX XXXX XXXX {$20.00} 7 ) XXXX XXXX XXXX {$75.00} 8 ) XXXX XXXX XXXX {$170.00} 9 ) XXXX XXXX XXXX {$20.00} 10 ) XXXX XXXX XXXX {$35.00} 11 ) XXXX XXXX XXXX {$16.00} 12 ) XXXX XXXX XXXX {$580.00}