davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-23
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. (FL)

TransUnion is not helping me to remove a lot of hard inquiries from their reporting even after the fraud report was put on the account and locked so further fraud could not take place. 

TransUnion Report file number is XXXX I sent a fax to XXXX XXXX XXXX TransUnion consumer contact dept Hard inquiries that need to be removed because of fraud XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act, Transunion, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Regarding my recent review of my credit report, I identified several discrepancies that require immediate attention. Notably, there are accounts listed under XXXX XXXXXXXX XXXX and XXXX XXXX XXXX  that do not belong to me. These inaccuracies constitute violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 Sections 602, 604A Section 2, and 1681a paragraph 2 subsection I.

These inaccuracies have the potential to adversely impact my creditworthiness and financial standing. Therefore, I request a thorough investigation into the reported accounts and personal information discrepancies. Additionally, I seek immediate correction of the inaccuracies in the reported accounts, including removal of those accounts.

I urge prompt action to rectify these issues and ensure compliance with FCRA regulations in the future. Please provide a written confirmation detailing the corrections made and the actions taken to address the violations of the FCRA.
Consumer complaint received 2020-04-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KS)

Under the CARES Act, I requested a 180 day deferral from Wells Fargo. I was told that they do not offer this at the moment, and would need to see if I am eligible for this long of a deferral as they currently have me on a 90-day deferral which was completed before the CARES Act was passed.
Consumer complaint received 2020-06-30
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. (TX)

THE ENCLOSED ACCOUNTS WERE FILED TO THE FTC ALL FCRA VIOLATIONS, OR AND FAIR DEBT VIOLATIONS XX/XX/XXXX Creditor Name XXXX XXXX XXXXXXXX Account Type Credit Card Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$1000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- XX/XX/XXXX Creditor Name XXXX   XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$5700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XXXX  XXXX, XXXX Amount Past Due {$1200.00} Times 30/60/90 Days Late 5/3/6 Remarks Charged off account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$130.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/0/0 Remarks --
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (UT)

I opened the account at Wells Fargo in XXXX XXXX about 3 weeks ago and did not want the online banking set up because of fraud on my previous account with XXXX XXXX  Bank. Well someone got in and got my online banking set up and put money through on my debit card that I did not spend. So I went into the bank on XX/XX/22 and was cashing my check from XXXX XXXXXXXX XXXX XXXX for {$170.00}. I put the I have the check and the receipt and it said that they put the money in and there is XXXX money in my account they didn't even deposit it in the account. I'm not sure what is going on with this company but someone needs to look into why they think they can do this and get away with it and also look into XXXX and XXXX XXXX because they're my parents and they have been claiming me dead for I don't know how long and doing this to me thank you
Consumer complaint received 2021-02-28
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: Self Financial Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2020-07-15
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: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-09-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I got charged {$140.00} from a collection agency called XXXX XXXX XXXX  that Ive never heard of on XX/XX/2022.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CT)

The response to below complaint was not able to view or download, needless to say, not resolved. I spoke with a XXXX XXXX I believe her name is on XX/XX/XXXX, was provided information pertaining to check and requested it be reissued, issue unresolved for several months since XXXX. Please so below complaint.. 

I've been attempting to resolve an issue pertaining to a fraud check, the item was issued to myself on or around XX/XX/XXXX, the amount of {$5100.00}. The check was intercepted by another party, signed and cashed in my name, no funds received from it. An affidavit was filled out and sent in along with check copy, I've attempted numerous times to resolve issue with Wells Fargo, the last information I have is the funds from check were credited back to Wells Fargo account check was issued from ... This information is from an XXXX at XXXX, we spoke on XX/XX/XXXX, she stated the credit was made on XXXX back to Wells Fargo. The claim number is XXXX. Ive since attempted to find out if and when check will be reissued, I've called several numbers ranging from the executive office phone bank, customer service, as well as research number at XXXX. It appears Wells Fargo will not reissue check, there may be an underlying issue I am not aware of. I've filed past CFPB complaints about this issue, Wells Fargo reps provide a general from reply which does not address issue. The from reply states in part, " Numerous attempts to address concerns, exhausted all resources '' I will again assure the CFPB this is first off, a form reply ... .Second, it is a lie, there have been no such attempts such as reaching out by phone, email or otherwise to reach me to resolve issues. If there were such attempts, they would be noted and they are not..
Consumer complaint received 2021-02-28
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. (KS)

I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2020-04-29
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. (AR)

I was informed by my car salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to shoe me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.
Consumer complaint received 2020-04-29
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: Worth Finance Corporation (TX)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME : WORTH FINANCE CORP. 
OPENED : XX/XX/14 XXXX. XXXX I HAVE PROVIDED THEM WITH A POLICE REPORT AND ID THEFT REPORT, THE SAME ONE I AM  UPLOADING TO YOU.
Consumer complaint received 2021-03-25
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: First Credit Services Inc. (TN)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2020-04-29
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX  XXXX {$870.00} XXXX  XXXX {$14000.00} XXXX XXXX XXXXXXXX {$600.00} XXXX XXXX XXXX {$19000.00}
Consumer complaint received 2018-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, when it comes to my credit score i take that very serious. My score was XXXX  the it dropped to XXXX  which was not a big deal. However i paid off two of my credit cards debt for about {$1800.00} i was expecting my score to go up instead it dropped down by 22 points. I don't like the way this work it sounds like a scam to me no matter what i tried to keep it up it still going down.
Consumer complaint received 2020-06-30
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. (CA)

This account does not belong to me and has been on my credit report for some time. I am asking that this account be deleted because it is not mine. I have attached an identity theft report as well. Please delete the account for US DEPT ED. I am sending this as myself no third party company or no other person that I gave permission to send on my behalf. I am sending this personally & the complaint is coming directly from me, XXXX XXXX.
Consumer complaint received 2021-07-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (SC)

I have several emails saying theyre attorneys and they need to collect a debt to be paid with green dot money card. When I called the businesses to see if I had the debt the businesses said I do not. The attorneys names are XXXX XXXX and XXXX XXXX.
Consumer complaint received 2018-02-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (LA)

I received a loan in the amount of {$600.00} XX/XX/XXXX. I have been making payments of XXXX each paycheck. On XX/XX/XXXX I called about paying it off they said it was XXXX to payoff but I wasn't able to pay that day because it was after the processing time. I called on XX/XX/XXXX and I was told I couldn't pay off my loan until XX/XX/XXXX and the amount will be XXXX to pay off. This is after I have paid XXXX, XXXX coming out of each check XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ; and XX/XX/XXXX. That's a total of {$1400.00} on a {$600.00} loan. I was not told about daily fees and you have to pay on certain days because a certain time. They are a loan rip off.
Consumer complaint received 2021-02-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

On XX/XX/XXXX I sent out letter to have the debit from XXXX XXXX removed as I filled it on my taxes as a cancellation debit XXXX form and the debit is still on my credit report. This debit is paid for now and should be up dated with XXXX XXXX Experian XXXX  and Experian immediately.
Consumer complaint received 2020-07-15
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX, the balance on my Lowes/Synchrony Bank credit was paid twice. I contacted Lowes/Synchrony Bank the next day and I requested that the amount be restored to my bank account. I was told that was not possible even though thats how it was paid, digitally. I was told a check would need to be issued. It has been more than 3 weeks. My account still shows a negative balance which means the check hasnt begun to be processed. I am requesting your assistance for this reason.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

On XX/XX/2021 I opened an account with Transunion with the need to check my credit score. I was advertised that it was a free service but after completing the account I was charged XXXX XXXX This information was not clearly presented to me during the process and although I was a little annoyed I did not take any action. Four days ago I was checking my back account and saw that they once more automatically charged XXXX $ on my card ( on XX/XX/2021 ). I did not requested for any subscription but apparently this is a tactic they use. I logged back on Transunion online account to cancel this subscription and they have no clear way to do so. Online you can find several people in the same situation trying to cancel the subscription and failing. The only way to do so is to call them, but even this results difficult due to the poor customer service.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

automatic payment was set up with 5/3rd Bank , however, payments were not withdrawn. i also requested payment book, and have not received. Bank reported that payments have not been received, and reported to credit bureaus. i do not have a history of non-payment on this vehicle or any other account, but now i do due to 5/3rd not processing my automatic pay correctly.
Consumer complaint received 2020-07-15
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: AMERICAN EXPRESS COMPANY (CA)

I am writing to request an update to the following information in my file. The item I request is stated below and correspondence I received directly from my credit report. 
Additionally, I noticed that my report is reflecting late payments on two accounts from American Express. These items are inaccurate because both accounts are paid in full and in good standing with no late payments. 

AMERICAN EXPRESS : # XXXX AMERICAN EXPRESS : # XXXX
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My last plea for help was on XX/XX/2018. I have been asking for SEVERAL months that XXXX and Equifax update my correct name and address on my account so that I can dispute online. As of today 's date they STILL have not corrected my name and I can not dispute on line
Consumer complaint received 2021-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I moved from XXXX  to XXXX XXXX and I'm trying to register my car in XXXX XXXX I contacted Citizen 's bank yesterday, XX/XX/2021 and was told to email in the form and wait 3-5 weeks for a reply. I emailed them the form today, XX/XX/2021. 

3-5 weeks? Seriously? I understand that COVID has caused some delays, but 3-5 weeks for a form to be processed? Citizens Bank set up my autopay immediately and takes the money out of my account every month on time. If i was applying for a new car loan - something that would make them a profit - I'm sure it would be processed immediately. But I need a little service and I'm told to wait 3-5 weeks. That's not okay. My account number on this loan is XXXX.
Consumer complaint received 2020-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

My home equity loan was effective XX/XX/XXXX for {$120000.00} with a 12 % 30 year fixed interest rate with a maturity date of XXXX/XXXX/XXXX. The monthly payment was {$1300.00}. On XX/XX/XXXX, I requested Chase to combine my first and second mortgages for one payment. Chase said NO ; but would allow me, though I was not in financial trouble, to participate in its modification program and reduce the interest rate on my equity loan a few percentage points to 10.87 % with a maturity date of XXXX/XXXX/XXXX or 47 years. This resulted in a {$170.00} monthly savings. After closely reviewing my most recent Statement and doing some math, I was faced with a horrible truth ; that is, from XX/XX/XXXX to date only an average of about {$38.00} a month has been applied to the principal of the loan and the balance applied to interest. I learned that since XX/XX/XXXX, I have paid Chase approximately {$350000.00} in interest and only {$3100.00} has been applied to the principal. I thought this must be some kind of inadvertent mistake because I would NEVER EVER agree to such an insane arrangement. This feature of the loan was not pointed out to me or discussed before I signed the Agreement. I did some research to try to understand what had happened to me and learned that Chase had taken advantage of an XXXX XXXX Senior female by imposing on me a " Daily Simple Interest Loan. '' Simply put, interest is charged everyday rather than monthly as I believed. 

I feel so violated and offended that I sought to do business with what I thought was a reputable financial institution that turned out to be a predator of Senior Citizens. It is for these reasons I file this complaint with your organization.