davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
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. (TX)

XXXX  XXXX  XXXX  use 
XXXX
XXXX  XXXX  
XXXX
XXXX  XXXX  XXXX  XXXX
XXXX  XXXX/XXXX
XXXX  XXXX  XXXX  XXXX

not mine 
and address not mine 

XXXX  XXXX  
XXXX  XXXX  XXXX  XXXX  XXXX  XXXX
XXXX  XXXX  XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
Consumer complaint received 2022-04-26
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  *Account Name : XXXX XXXX, Account number : XXXX, *Account name : XXXX XXXX XXXX, Account number : XXXX, *Account name : XXXX XXXXXXXX, Account number : XXXX, *Account name : XXXX, Account number : XXXX, *Account name : XXXX XXXX XXXX XXXXXXXX, Account number : XXXX *Account name : U S DEPT OF EDXXXX, Account numberXXXX XXXXAccount name : XXXX XXXX, Account number : XXXX 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
Consumer complaint received 2021-04-09
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: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2023-05-11
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2021-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (MD)

On XX/XX/2021 I placed an order on XXXX for a XXXX XXXX XXXX vaccum cleaner for {$950.00}. Upon checkout, I choose " Affirm '' as an option to finance my purchase as a 0 % APR interest loan over 6 months. XXXX XXXX ordering system was quick to notify me that the order did not go through ( and error occured XXXX. However, to my dismay, the loan was created on Affirm.com and stuck in a " Merchant processing '' state. I initially reached out to Affirm on XX/XX/2021 to inquiry about having the loan nullified since the order never went through on XXXX XXXX website. I was asked to get proof from XXXX that the order was cancelled or otherwise not created, which I quick provided on XX/XX/2021 by forwarding XXXX XXXX response. This seemed to get nowhere. I once again tried reaching out to Affirm on XX/XX/XXXX, once again providing them the original emails from XXXX stating no active order existed in there system and additionally proof where I had yet another conversation in which XXXX affirmed no such order was active in their system. I've yet to receive any positive response about this being handled or what needs to occur for this to be handled. I have not received a response from Affirm since our last interaction on XX/XX/XXXX.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

THE 3 CREDIT AGENCIES : XXXX, XXXX  AND EXPERIAN ALL HAVE ALLOWED XXXX XXXX TO KEEP ON A LATE PAYMENT FROM XX/XX/2020 - WHICH IS AT A TIME WHERE MY ACCOUNT WAS RESTRICTED ( RESTRICTED FROM XXXX TO XXXX ), I COULD NOT USE THE ACCOUNT AT ALL AND THEY WERE JUST ADDING " ADJUSTMENT INTEREST '' CHARGES OUT OF NOWHERE TO A BEFORE {$0.00} BALANCE & WHEN I TRIED PAYING THE ADJUSTMENT CHARGES, THE ACCOUNT WOULDN'T ALLOW IT, A STAFF REPRESENTATIVE SAID ITS DUE TO RESTRICTION AND NOT TO WORRY ABOUT IT. RESTRICTION OF ACCOUNT GETS LIFTED IN LATE XXXX AND XXXX XXXX THEN REPORTS A LATE PAYMENT IN XXXX TO MY CREDIT REPORT ON ALL 3 BUREAUS. 

YOU KIDDING ME? I NEED THIS FIXED ASAP. XXXX DISPUTING THIS XXXX XXXX XXXX XXXX PAYMENT HISTORY, IM 100 % ON TIME, ALWAYS ON ALL MY ACCOUNTS. FIX THIS. FIX THIS, ALL 3 BUREAUS NEED TO DISH OUT A DISPUTE FOR PROPER PAYMENT HISTORY VERIFICATION ON MY BEHALF. 

IVE ALREADY TALKED TO GS STAFF ABOUT THIS ERROR AND THEY SAID THEY'VE SUBMITTED THE DISPUTE OF INACCURATE PAYMENT HISTORY TO THEIR DEPARTMENT BUT I HAVEN'T HEARD BACK FROM THEM SINCE SO IM HERE NOW. 

WANT THIS WHOLE DEAL TO BE UNDER CFPB SURVEILLANCE SO IM HERE ...
Consumer complaint received 2020-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX an online transaction was made through our banking institution Wells Fargo via XXXX in the amount of {$230.00}. XX/XX/XXXX XXXX TO XXXX XXXX ON  XX/XX/XXXX REF # XXXX {$230.00}. The product/service was not received. Contacted Wells Fargo and a claim was filed # XXXX. We would like our money back. This was fraudulent act committed ; Wells Fargo should back all transactions on their website and in good faith refund the customer. We were told most likely we would not be getting our funds back. 
Please assist in obtaining our {$230.00} back. 
Thanks.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

THE 3 CREDIT AGENCIES : TRANSUNION, XXXX  AND XXXX  ALL HAVE ALLOWED XXXX XXXX TO KEEP ON A LATE PAYMENT FROM XX/XX/2020 - WHICH IS AT A TIME WHERE MY ACCOUNT WAS RESTRICTED ( RESTRICTED FROM XXXX TO XXXX ), I COULD NOT USE THE ACCOUNT AT ALL AND THEY WERE JUST ADDING " ADJUSTMENT INTEREST '' CHARGES OUT OF NOWHERE TO A BEFORE {$0.00} BALANCE & WHEN I TRIED PAYING THE ADJUSTMENT CHARGES, THE ACCOUNT WOULDN'T ALLOW IT, A STAFF REPRESENTATIVE SAID ITS DUE TO RESTRICTION AND NOT TO WORRY ABOUT IT. RESTRICTION OF ACCOUNT GETS LIFTED IN LATE XXXX AND XXXX XXXX THEN REPORTS A LATE PAYMENT IN XXXX TO MY CREDIT REPORT ON ALL XXXX BUREAUS. 

YOU KIDDING ME? I NEED THIS FIXED ASAP. IM DISPUTING THIS XXXX XXXX XXXX XXXX PAYMENT HISTORY, IM 100 % ON TIME, ALWAYS ON ALL MY ACCOUNTS. FIX THIS. FIX THIS, ALL 3 BUREAUS NEED TO DISH OUT A DISPUTE FOR PROPER PAYMENT HISTORY VERIFICATION ON MY BEHALF. 

IVE ALREADY TALKED TO GS STAFF ABOUT THIS ERROR AND THEY SAID THEY'VE SUBMITTED THE DISPUTE OF INACCURATE PAYMENT HISTORY TO THEIR DEPARTMENT BUT I HAVEN'T HEARD BACK FROM THEM SINCE SO IM HERE NOW. 

WANT THIS WHOLE DEAL TO BE UNDER CFPB SURVEILLANCE SO IM HERE ...
Consumer complaint received 2017-12-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last XX/XX/XXXX, I sent a letter to this credit repository to request an investigation on State Tax Lien ref # XXXX. On my letter, I informed this company that, " Verified with the court that this item has been withdrawn last XX/XX/XXXX. Also verified that my SSN nor my date of birth is not by any means linked to this items. Your records are incorrect and unverifiable and per the XXXX XXXX XXXX XXXX, this item should have been removed last XX/XX/XXXX. ". Upon checking on my credit report today, XX/XX/XXXX, the incorrect item is still reporting. XXXX and XXXX are reporting the same incorrect lien and I sent both of them a dispute letter also on XX/XX/XXXX. BOTH XXXX AND XXXX  DELETED THIS INCORRECT LIEN. What makes this valid? What investigation process did this company do? Why would the other bureaus delete an incorrect information and this company did not? This a violation of FCRA. The date shows on my credit report as XX/XX/XXXX, proof no investigation was conducted.
Consumer complaint received 2017-12-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (LA)

Chase is refusing to postpone my sale date, although they are in possession of a full package for loan modification review. This is a direct violation to the National Mortgage Settlement ( NMS ) of XX/XX/XXXX,  which prohibits the following abusive mortgage servicing standards. 

XX/XX/XXXX, NMS, identified various abusive practices being performed by Chase as well as other large banking key players which indulged in the same predatory practices as a whole. The wave of foreclosures exposed numerous problems : robo-signed affidavits that were turning up in foreclosure proceedings ; lost notes ; excessive fees ; dual tracking where banks would simultaneously pursue a foreclosure while telling the borrower that his loan modification application was still under consideration ; and the servicers generally not living up to their obligations as servicers. 

Chase bank has been in possession of modification request for assistant documents since XX/XX/XXXX. However they have refused to process these documents a continuously proclaim to still be missing items. The items which are expressed to be missing are mixed and matched, meaning if 25 pages are sent and 25 pages show successful transition, by the time the documents uploaded only 15 pages have completed the process. In particular, we have had to resend the same copies of rental agreements 6 times all of which show successful transmission via fax. Bank statements have been sent multiple times with the same results. 

Our account was purposely overlooked more than 11 times between the years of XX/XX/XXXX until now, with no reasons given as to why the loan is not qualified under at least the HAMP Tier II. This program is designed specifically for second mortgage properties. 
Our loan has also been transferred from multiple single point if contacts, which results in misapplication documents. Further the result of what may amount to thousands of documents during the duration of the request process from XX/XX/XXXX, has cost our family financial detriment. Also we have our mortgage account has been charged more than {$15000.00} in junk fees not to mention the compounded interest which has been applied to our loan unjustly. Chase has committed this type of illegal financial enrichment on multiple levels surrounding the servicing of our loan. 

Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. 
Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

Experian is listing multiple incorrect addresses that I have never lived at on my credit report. When I attempt to dispute that personal information as incorrect, Experian is refusing to allow me to even dispute the addresses. They are forcing me to call collection companies to dispute the incorrect information with them rather than Experian performing their own independent accuracy check which they are required to do under the Fair Credit Reporting Act. Experian is also attempting to coerce people into not disputing incorrect personal information by saying it does not affect your credit score ; however, the incorrect information on their credit report about my address history has resulted in my being rejected on multiple rental applications ( losing housing fees and being unable to find somewhere to live ).
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Valley Collection Service, LLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CO)

hi. every time i used the card citi sent me a fraud alert. i called and spent over an hour they promised it won't happened again an it happen in a daily basis. it happened twice or 3 times in one day. i paid on time. i never had a fraud case. its unbearable that i have to waist so much time explaining my private life. unacceptable!!! .discrimination!!!!
Consumer complaint received 2020-07-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Forster & Garbus LLP (NY)

Forster and Garbus ( XXXX? ) called my employer asking for me, when my coworker transferred the call they hung up. The woman identified herself as a representative of Forster and Garbus.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (MO)

I have tried speaking to Equifax about a 30 day reporting from a creditor XXXX, to get the negative removed from my credit report. 

The creditor removed the 30 day reporting ( XX/XX/2020 ), due to an error on their part ( physical address ) and loan being paid in full. I was advised from creditor by phone and in email that the reporting was removed and I should see the changes within 60 days. 

Upon speaking with XXXX  and sending information was told to contact the lending institution. I have now spoken with the manager of collections within the lending institution. He has again sent info to Equifax, to remove the negative and 30 day reporting but the negative still remains when I log into XXXX XXXX and XXXX  and shows in my Equifax credit report.
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Dear Sir or Madam Under XXXX Requests for Information, I am hereby writing to you to request specific itemized recorded information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, transactions, actions, payments, analyses and records related to the servicing of my loan of attorney fees as it relates to XXXX XXXX XXXX.. 
I am disputing the validity of the corporate advance debt you claim that is owed for property preservation. To independently validate this debt, I need an itemized breakdown of the services performed linked to the monies disbursed. Also I would like copies of all work orders and documentation of all inspections. The inspection report should be detailed and reflect what services were performed or what was observed. 
I also request that you conduct your own investigation and audit of XXXX XXXX and XXXX XXXX account whether there was actual fraud or work was performed. I need to ensure that the charges and monies disbursed to XXXX XXXX XXXX for approximately {$51000.00} was based on work performed. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account of monies disbursed or provide justifiable information or itemized breakdown of the services performed. 

I want to ensure that the fees charged were for actual services performed or rendered. As such, please treat this letter as a Request for Information under 12 CFR Part 1024 ( Regulation X ) 1024.36. A servicer must comply with the requirements of paragraph ( d ) ( 1 ) of this section : for requests for information, not later than 30 days and acknowledge receipt within five days to provide a written response acknowledging receipt of the information request. 

/s/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX FL XXXX XXXX
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX I contacted Capital One Credit Card and spoke with two Reps XXXX Supervisor XXXX With Badge Id # XXXX and XXXX with Id Badge # XXXX and requested why I was Denied on my Visa Credit Card of XX/XX/XXXX and they can not give me a clear explanation on Denial. 
On my Capital One Card ending # XXXX I was given a {$250.00} credit increase on XXXX in which is vey Discriminating and Retaliating against me as a XXXX XXXX XXXX and Military Veteran. 
I have a credit scores of XXXX and paying over the minimum of {$25.00} a month and always on time since XX/XX/XXXX till Present. I pay timely schedule payments from $ 100- {$150.00} and {$200.00} each month to keep my balance and credit card utilization in prosperity. 

On XXXX XXXX I respectfully requested a Manual Credit Limit over 750 and both Supervisors stated that credit increase can only be done with their automated system. 
So on XXXX XXXX i provide it all my financial and information to Capital One Credit Card Mastercard with account ending # XXXX and I was denied and Declined. 

Capital One is Discriminating and Retaliating against me because I am XXXX XXXX and XXXX and a XXXX XXXX XXXX Military Veteran. 
Also, Capital One is Retaliating against me because I have been filing many Federal Governments Complaints against Capital One Administration. 
By the way, Capital One pre-recorded my conversation with reps on XXXX XXXX and Reps didn't tell me that my conversation was been recorded until I ask them if my conversations with Capital One Reps was been recorded and the last Capital One Rep Ms.XXXX with Badge Id # XXXX told me " Yes. '' On XXXX XXXX I made the call to Capital One from my cell XXXX XXXX XXXX cell phone.around XXXX California XXXX. I called Capital One number XXXX My XXXX and XXXX   Retirement Pension Income is at {$4500.00} a month with a 3 % COLA increas every year on XX/XX/XXXX.and my XXXX XXXX Income never decreases. 
Plus I have very low debts under {$20000.00} and I am very Financially Stabled.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (WA)

Account name : XXXX XXXX XXXXXXXX CARD Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status : Closed. {$450.00} written off. 

Status updated : XX/XX/XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC. (FL)

This is not my credit and both myself and visitors or being harassed by my ex husbands creditor. They left his serving papers in the driveway on the ground. He does not live here. He moved out and no XXXX bows where to locate him. I believe he is homeless. Someone told they say him in XXXX XXXX begging. I dont have anything to do with him. Yes his car in XXXX XXXX way I still make the payment on it.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am compelled to express my utter dismay and consternation at the deplorable handling of my credit report dispute by TransUnion. Despite my submission of incontrovertible evidence, including certified mail receipts affirming their reception of my dispute documents, I was confronted with an indefensible repudiation asserting that the submissions were not authenticated as mine. This egregious dismissal of my legitimate attempt to correct palpable inaccuracies on my credit report not only impugns the credibility of the credit reporting process but also inflicts significant financial prejudice upon me. The obstinate refusal of TransUnion to acknowledge and rectify the errors, in spite of undeniable proof of submission, constitutes a flagrant dereliction of their obligations to ensure accurate and equitable credit reporting. Contrarily, it is noteworthy that XXXX exhibited due diligence and professionalism by promptly addressing and resolving the exact same dispute underscoring the stark discrepancy in commitment to consumer rights and accuracy among these entities. How embarassing for TransUnion.