davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been a XXXX XXXX XXXXXXXX customer 14 years. Inadvertently I underpaid the {$35.00} min pmt due XX/XX/24 by {$10.00} on XX/XX/24, card ending XXXX. The next statement I received for this card on XX/XX/24 stated a min pmt due of {$47.00} on XX/XX/24 including the {$10.00} underpayment. I received a XX/XX/24 letter stating my credit line on this card was reduced from {$8000.00} to {$2900.00}, evidently because I didn't pay the {$10.00} underpayment before XXXXThey also reduced my credit line on card ending XXXX from {$7500.00} to {$2100.00} on XX/XX/24. For that card I made a {$2400.00} on XX/XX/24 towards the {$44.00} min pmt due XX/XX/24 leaving a {$2000.00} bal due. To add insult to injury my Transunion cr score reduced from XXXX to XXXX and my XXXX cr score reduced from XXXX to XXXX on XX/XX/24 because of all the above. I have been grossly unfairly penalised by these abusive unreasonable actions taken by XXXX  XXXX XXXX. I ask you to help rectify these actions. I am XXXX  years of age and have never been so unfairly treated by a bank.
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. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2021-06-09
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. (NC)

A month ago I disputed inaccurate information being reported by XXXX XXXX XXXX. I send proof that different this was getting reported. The credit bureaus didn't even look into it. they just said account was verified. My account was never charged off and the payment history is incorrect. You can see alot of inaccurate information from the proof I sent in
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the FCRA this late payment being reported for XXXX for XX/XX/2024 has violated my rights Per the 15 USC 1666B ( billing error ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Affordable Financial Solutions (CA)

Purchased credit repair and XXXX/XXXX XXXX XXXX from XXXX XXXX with Affordable Financial Solutions ( XXXX  ). Ms. XXXX has advertisement on her website of affordable pricing for XXXX, credit repair, and tradeline postings. Full refund of services was guaranteed ( according to website ). Initiated payment of services to Ms. XXXX from XX/XX/2018-XX/XX/2018 and have yet to receive any type of confirmation of completion of services. Also noticed that all data information was submitted through an unprotected Jot Form field. Ms. XXXX remained in constant communication that services will be completed and continued to make several excuses ( very busy, have a lot of clients, hurricane season ... etc..etc.. ), so I finally requested a refund. Ms. XXXX confirmed that she issued a full refund on XX/XX/18 and had placed the refund check in the mail. She also provided a copy of the check as proof. After 9 business days of not receiving the refund, I followed up with Ms. XXXX. No phone calls returned and only emails from an assistant by the name of " XXXX ''. I continue to get excuses on even the refund check. Ms. XXXX is no longer available and doesn't respond to my calls and the only communication now is via email with her assistant. I did research online and revealed that I'm not the only person that has been victimized my Ms. XXXX or her company. There are several complaints found on XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ). I never received any type of contract of any services rendered by Ms. XXXX or her company, Affordable Financial Solutions and she continues to advertise as if she performs services. In reviewing her practices and finding out more information on my rights as a consumer, she is clearly in violation of FCRA and the Credit Repair Organization Act
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TN)

I went to Regions ATM and used my card and it went through the entire process and no money came out but the money has been removed from my card.. It was all the money I had left and Regions told me This happens All the Tim They told me I was taking a risk using that ATM and its nothing they can do. The clerk told me I maybe I should get a bank account because it was a government issued card. She was so unbothered by me like I was the ground she walked on and it was not a concern of hers. She even said like if I stick my XXXX XXXX card in there and no money comes out I called my bank and they will give me money back. She said I never knew they gave yall cards with money on it anyway like why? I told her Im sorry Im a XXXX mom working my way to provide for my kids and I needed a extra set of help that Im grateful for but Im working hard so my kids want have to. 

Address XXXX XXXX XXXX XXXX, TN XXXX United States
Consumer complaint received 2022-05-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (FL)

LENDER NOT RELEASING THE LIEN AFTER MORTGAGE PAID OFF : I had a mortgage on my property at XXXX XXXX  XXXX XXXX, XXXX, Florida, that was serviced by SN Servicing Corporation, XXXX XXXX XXXX, XXXX, CA XXXX. Phone ( XXXX ) XXXX XXXX My Loan # XXXX I paid off this loan XX/XX/2022 and this was acknowledged by them. However till today XX/XX/2022 I have not received Satisfaction of mortgage or the lien release recorded with the county. I emailed numerous times and was told up to 2 months from pay off which was XX/XX/XXXX. 

Can you please get them to release the lien and send me the Satisfaction. 
Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NY)

The reason my XXXX XXXX was declined was stated as Your credit balance is too high relative to your credit limit When I looked at my credit I see my discover card reflecting a XXXX balance when in fact it has a XXXX with a credit limit of XXXX balance which is under 30 % usage. I believe this is the reason I was declined.
Consumer complaint received 2022-05-02
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: V and H Portfolio (CA)

1. This is the company involved- Vance and Huffman LLC ( XXXX Credit Report ), for {$2000.00} open balance debt opened on XX/XX/XXXX, and I am not aware of this. They put the report under collections. Please delete. 

2. XXXX XXXX XXXX ( XXXX ) - this is also reported as a collection on XX/XX/XXXX, with zero open balance. Please delete the report. 

3. In accordance with the fair credit reporting act, these companies mentioned above have violated my rights. 

4. 15 USC 1681 Section 602 states I have the right to privacy 5. 15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions 6. 15 USC 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 2018-10-31
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. (KY)

A credit decision was made based upon three false factors : 1 ) Lack of recent installment accounts. In fact, four of the eight accounts cited have been inactive for many years : XXXX : # XXXX ; XXXX  XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX The remaining accounts are all associated with XXXX XXXX with whom I have a banking relationship. There are cards associated with that relationship of which 4 are listed. 

# XXXX # XXXX # XXXX # XXXX The assertion of a " too many accounts with balances '' is false. 
The length of time associated with revolving accounts is false as indicated by payment history. 
The failure of the credit reporting agency to identify " recent information on installment accounts '' may be true : but this is not my problem. 

The outline of my employment history misses several key elements. A clear read of the report suggests that my last employer was the State of Illinois in XX/XX/2007. Again, a falsehood. 

I ask that the " key factors which adversely affected my credit score '' be remediated, as soon as possible. And I thank the XXXX XXXX XXXX inquiry for bringing this matter to my attention. 

A XXXX credit score is nice. But I am well aware that the terms and conditions of this new card -- -my first in some time -- -are less generous than would be the case had an accurate credit report been given. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/2018 I tried to go on line to make a house payment, I could not get through, as usual. I called Wells Fargo to get help. The Women said I can take your payment so I gave her check # XXXX for the amount of {$1500.00} for Bank Acct. XXXX XXXX Routing # XXXX Acct # XXXX for my Mortgage # XXXX. She gave me a Conformation # XXXX, and said wait a minute, ok it went through. So I got a payment coupon stating my next payment for XX/XX/2018 would be {$1500.00}. So I did not get a courtesy call or letter, but on XX/XX/2018 I get an other payment Coupon for XX/XX/2018 stating I owe for XXXX and XXXX?? I called and was told the payment never went through because they got the wrong Bank Acct number, which they already have on file. I paid again and then said you better not charge me for a late payment this was not my fault. I was told well it has to be investigated and they will let me know. Second payment for XXXX Ck # XXXX for XXXX conf. # XXXX. I just placed an other complaint against Wells Fargo because mid summer I was behind in payments and they sent a letter to my rental and the tenants opened it and went crazy calling me a thief and that the house was being foreclosed on them and I didn't tell them and they don't have the money to move. I called Wells Fargo and said why did I not get that letter at my house? They keep saying we mailed it to you, but I never got it mailed here, I had to ask for that letter to be faxed to me. At that time I was making 2 payments a month until I was caught up on payments. And now this. I am sick of Wells Fargo and I don't trust them, I want my mortgage sold to someone eles.
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

ONE THING THAT I NOTICE THAT THE BANKRUPTCY COURTS DO NOT REPORT TO ANY CREDIT BUREAUS AND THE STATUE DIDNT NOT HAVE THE CITY AND STATE SPELL OUT THE CORRECT WAY. IT SHOULD SAY U.S. BANKRUPTCY COURT OF XXXX IN. THAT'S WHAT SUPPOSE TO BE IN ALL 3 BUREAUS SHOWING THE SAME
Consumer complaint received 2017-08-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a debt collection notice from Midland, a subsidiary of Encore from its attorney, XXXX XXXX XXXX. I requested the following : Explain and show me how you calculated the entire amount of what you say I owe ; Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; If you purchased this alleged account, identify the SELLER you purchased it from and ALL PREVIOUS OWNERS. Provide me with ANY documentation which establishes your legal standing to collect anything from me. I was not provided with what was purchased, how the balance was calculated, what interest rate was used, etc. in violation of the Consent Decree that was entered into by Encore and the Consumer Financial Protection Bureau. I do n't know how these companies continue to conduct business by violating consumer protection laws.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

I paid off my XXXX Comenity Bank account in XX/XX/2022 with a final payment of XXXX. When I call customer service they confirm that my account is paid in full and yet they started reporting that my account is 60 days XXXX due snd it is negatively impacting my credit. Apparently, they have acknowledged that theres a glitch in the system and that they will be correcting this in XXXX to 60 days and that many people are affected and they claim that theres nothing they can do to correct the problem immediately although theyve been sending false information which is especially aggrevious since I have paid my account in full and yet they claim that I am past due. I have worked hard to improve my credit and am applying for a loan and was horrified to have this appear on my credit report and no one willing to correct it when I contacted them today on XX/XX/2022
Consumer complaint received 2018-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CT)

received multiple calls from different numbers - all expressing to be a caller from American express numbers that called were : XXXX @ XXXX on XX/XX/18 XXXX @ XXXX on XX/XX/18 XXXX @ XXXX on XX/XX/18 XXXX @ XXXX on XX/XX/18
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I am writing to dispute fraudulent information that has been reported on my credit file. I recently reviewed my credit report and found several accounts that I did not open or authorize. This indicates that my identity may have been stolen, and fraudulent activity is taking place using my personal information. 

The following accounts were not opened or authorized by me : # 1 PORTFOLIO RECOVERY Last reported XX/XX/2023 {$870.00} # 2 XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} # 3 XXXX XXXX XXXX Last reported XX/XX/2023 {$110.00} I did not apply for any of the above accounts and have no knowledge of them. This indicates that someone has obtained my personal information and used it for fraudulent purposes. 

I am requesting that these accounts be immediately removed from my credit report, and that all related charges and fees be removed as well. I am also requesting that you investigate this matter further to determine the source of the fraudulent activity and take appropriate action to prevent it from happening again. 

Please provide me with a written confirmation of the outcome of your investigation, and any actions taken to correct the fraudulent activity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Regenerate response
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. (WA)

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.

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 2022-05-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NJ)

I recently submitted claim # XXXX because an alert function that Chase Bank features on their app did not work. The complaint was as follows : " I was paid a bonus by my employer on XX/XX/XXXX. That check was for {$390.00}. I went shopping & to dinner on XX/XX/XXXX, and my account dropped to under {$50.00}. I was never alerted to this by my bank, Chase bank. I have an alert set up on my account to let me know as soon as my account drops to below {$50.00}. That alert was never activated on XX/XX/XXXX. In fact, I was not alerted to my account being under {$50.00} until it was already overdraft! The first notice about this came to me on XX/XX/XXXX, when I was already at - {$280.00}. My question is why in the world would they bother to give you the ability to set up alerts, and when the specific scenario in which you would need to be alerted, nothing happens?? Their alert clearly failed and now I am overdrawn in my bank account! I am already living paycheck to paycheck and my husband does not work!! '' The bank is claiming that the alert system works fine and that I should just manage my account better. HOW INSULTING! I have photographic proof that this alert system does not work. What proof?? Well as it happens, I was low on funds on XX/XX/XXXX and XX/XX/XXXX ( That is a Friday and a Saturday ). As you will see in my proof, I was alerted the second my account dropped under {$50.00}. I was again alerted on XXXX, which was a Sunday. So, why did the alert system work find this past weekend, but completely FAILED on XX/XX/XXXX - XX/XX/XXXX?? Why was I alerted on XX/XX/XXXX and XXXX that my account was under {$50.00}, but back on XX/XX/XXXX I was only alerted when I was ALREADY significantly overdrawn??
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Accounts are still open/in use and not fraud. If it was submitted to be it was by mistake. Company will contact for update soon XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX account is to be still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account is still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

Letter with copy of Social and ID were sent XX/XX/2022 with info to all companies/bueros
Consumer complaint received 2022-11-18
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. (IL)

Accounts are still open/in use and not fraud. If it was submitted to be it was by mistake. Company will contact for update soon XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX account is to be still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXl XXXX account is still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

Letter with copy of Social and ID were sent XX/XX/2022 with info to all companies/bueros
Consumer complaint received 2023-03-24
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: SYNCHRONY FINANCIAL (IN)

In accordance with the fair credit reporting act, this creditors have violated my right. 
15 U.S.C. 1681 Section 602 states that : I have the right to PRIVACY.

15 U.S.C. 1681 604 A Section 2 states that : Consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681 1666B states : 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 2018-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In XX/XX/XXXX we missed a mortgage payment to Specialized Loan Servicing LLC. On XX/XX/XXXX, I talked to an Agent on the phone and made arrangements for XXXX XXXX payment of {$1000.00} to be electronically transferred. We later received a confirmation letter dated XX/XX/XXXX. ( see attached ) Then we received a Default Notice and Notice of Intent to Foreclose dated XX/XX/XXXX. ( see attached ) We are one month behind in payment and are working on bringing the account current.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have started a new job working with security clearance for XXXX I recently found addresses on my credit file that do not belong to me!! I have to get this cleared up asap. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, SS XXXX DOB XXXX is my current and only address. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX I have several incorrect names on my file as well please remove the following incorrect names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, please delete.