davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See attached Transunions NOTARIZED Identity Theft Victim Affidavit. Furthermore, I have sent many many Consumer Financial Protection Bureau complaints on XXXX, XXXX, and Transunion regarding XXXX theft of cards, identity theft, impersonation, fraud, and forgery. See attached XX/XX/XXXX letter from XXXX. XXXX refuses to provide my request for information on payments made, phone conversations, and person making payments due Chases privacy policy. My private account but a privacy policy for someone making payments on my account which is totally void of common sense and justice. Thieves have more rights than the victim. This information would allow the fraud to be proven. XXXX continues in the XX/XX/XXXX letter by claiming to have processed the fraudulent payments correctly. How can XXXX make this statement and at the same time deny information that would prove the fraud? XXXX continues in XX/XX/XXXX letter by stating phone number ending in XXXX had been removed shortly after the theft and XXXX doesnt know how they obtained phone number. This lacks protection for my account. XXXX incorrectly listed last four digits of phone number in this letter as XXXX but as XXXX in previous letter dated XX/XX/XXXX. Now look again at Transunions NOTARIZED Identity Theft Victim Affidavit reflecting also XXXX XXXX XXXX XXXX. Now look at the attached XXXX XXXX XXXX XXXX XXXX Application. See phone number, XXXX, and email address, XXXX. It is the same phone number. Now see all information for this XXXX XXXX XXXX aka XXXX XXXX XXXX. Credit Card abuse, forgery, impersonation, & false pretenses and is currently in a Mississippi jail. The XXXX card was stolen, used, fraudulent payments made, and phone number was allowed to be changed allowing control of the card.
Consumer complaint received 2021-07-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (TX)

I've tried numerous times to work with my mortgage company only to be denied 7 applications for assistance. Now I can't get a call back. I've tried selling and couldn't because they added ridiculous fees making it impossible. They say they sent correspondence. I didn't get anything until I filed a complaint and received everything at once. I have a XXXX XXXX backed loan and this mortgage company is no assistance. They prolong things so that they can file foreclosure and I lose my house. They are scandalous and shouldn't be allowed to service mortgage loans in Texas.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Southern Management Systems Inc. (FL)

My situation with Southern Management is they put a debt in my credit and I explain the situation yo several times that somebody deft my identify including my taxes but I do n't know why they insist to continue with this. 
Appreciate everything to can do for help me with this particular Many Thanks
Consumer complaint received 2017-12-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IN)

The debt collection agency XXXX XXXX XXXX, garnished my wages without any notification or correspondence from them. I am a Veteran and I served my country to the best of my ability. I am already struggling to pay for things like housing, food etc. This company never contacted me. I had just gotten notification from my employer that my wages were being garnished. I never got a court order to appear in court to dispute the validity of this loan. This loan I believed may have happened over 35 years ago. The debt collection company, XXXX said I owe, the principal of {$55000.00} interest of {$19000.00} and the collection charges of {$13000.00}. After my wages were garnished I got a letter from XXXX, stating those above amounts. They are taking out {$130.00} per pay period. This is not disposal income.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number ***XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this negative reporting is harming my credit score and the line item needs to be removed from my credit report.
Consumer complaint received 2020-08-19
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: JPMORGAN CHASE & CO. (IN)

XX/XX/XXXX Received a package from Amazon that I did not order. Had a gift message from my husband- He did not order and did not send anything as a gift. Received email from Amazon confirming the order and delivery. 
Look online at Amazon account and saw the order was placed with a credit card I do not have and did not apply for- Visa ending in XXXX expiring on XX/XX/XXXX. 
Contacted Amazon to report the delivery. They put a 24 hour freeze on our account and assigned the case to be investigated. The only thing they were able to tell me is the Visa card was added to my account XXXX the same day the order was placed. 
Contacted Visa at XXXX and could not get any information about the card issuer. Was only given instruction on how to protect your identity- file police report, contact credit reporting agencies, ask for fraud alerts. 

I did not apply for a Visa card and believe it was fraudualantly opened in my name.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank (MN)

I am a victim of identity theft and someone stole my personal information and identity to open up a credit card account with Synovus First Digital. The Synovus First Digital credit card account is a fraudulent account, not my account and is the result of identity theft. I have never applied for an account with with Synovus First Digital. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Adler Wallach & Associates, Inc. (CA)

filed Bk in XXXX Contated this company and sent Bk chapter XXXX -sent-Discharge letter they said it would be removed- not the case Case = # XXXX XXXX XXXX XXXX/XXXX/2016 PLEASE HELP
Consumer complaint received 2017-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (GA)

Debt was paid in bankruptcy which I filed in XXXX. I have spoken with the Clerk at the bankruptcy Court where I filed and she informed this debt was " Paid in full '' before the bankruptcy was dismissed in XXXX. I have informed Ally Financial of this and I have faxed the information showing " Paid in full '' to them which was provided to me by the bankruptcy Court.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have also tried to resolve an issue with XXXX XXXX XXXX who have consistently refused to notate payments for our car that we've made over the phone since 2019. Every time we make a payment they say they're going to notate it and actually give us a confirmation number but then we receive a late fee because they don't even bother to input our payment information and we have to call back multiple times to make sure that the payment has been sent to the bank. Our credit report has tanked because of XXXX XXXX 's incompetency has been contributing to my credit report decline when we have consistently made regular payments on time and it is entirely out of my control when XXXX XXXX XXXX employees are not doing their job and we pay the bill on time and are penalized by the credit union/companies and TransUnion or XXXX.
Consumer complaint received 2017-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax deleted XXXXXXXX XXXX XXXX XXXX and XXXX XXXX then they Reinserted the collections without notifying me within 5 days of reinsertion violation of 15 USC 1692 ( c ) 805 ( b ) communication with third parties. Debt collector must have your prior direct consent or a court order to communicate to anyone about a debt. This includes credit reporting agencies. Also use 15 USC 1692 ( k ) 809 ( a ) validation of debt. They MUST Validate all debts! If not permanently removed by equifax. I will seek litigation and file a lawsuit. Equifax will be charged with preventing furnish from reporting debt on credit profile. The courts would rule in my favor examples XXXX XXXX EQUIFAX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-01-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have constantly disputed to Transunion the following inquiries on my credit report that were not authorized by me. The following inquiries were not authorized and I have sent Transunion a FTC Idenity Theft Avadavit to support my idenity being breached. 
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 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 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 I HAVE NEVER GAVE THESE COMPANIES ANY AUTHORIZATION TO PULL MY CREDIT AND WOULD LIKE TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY. FOR THIS IS PUTTING A HARDSHIP ON MY FINANCIAL OUTLOOK ...
Consumer complaint received 2020-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

I visited XXXX Colorado and I went to a branch and did a withdrawal. Two days later I received a alert that my account overdraft. I checked my account online and found that I had another atm withdrawal at a random place. I immediately called my bank to report the problem. I was denied twice in the same day. They said they couldn't help me. So I'm reaching out to get this resolved.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I NOTICED IN MY CONSUMER CREDIT REPORT THAT A LIEN IS FILED ON XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF {$18.00}, XXXX AND XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF XXXX. I AM UNAWARE AND HAVE NO KNOWLEDGE OF SUCH CASE. 
I FILED A CHAPTER XXXX BANKRUPTCY THAT WAS DISCHARGED ON XXXX/XXXX/XXXX. THE ALLEGED LIEN HOLDER FAILED TO FILE A PROOF OF CLAIM DURING THE BANKRUPTCY MEETING OF THE CREDITOR.
Consumer complaint received 2024-02-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Received an XXXX loan through Bank of America. Vehicle with all fees purchased for {$37000.00} in XXXX. In XXXX XXXX XXXX vehicle was repossessed and sold in Auction for {$21000.00}. Bank of America is falsely stating I owe them {$11000.00} without giving validation of what the vehicle was sold for and what was covered in reimbursement from the GAP insurance as the lost. I've requested this information and have been told they can not provide me with verification.
Consumer complaint received 2024-02-16
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. (VA)

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.

has violated my rights. Or a list of inquiries : 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 2021-08-07
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: EQUIFAX, INC. (FL)

Dear, CFPB The 3 major credit bureaus - ( XXXX XXXX and Equifax. 
Are in violation of the following statute contain in the FCRA and according to advisory of my attorney and guidelines in the CFPB if the disputed items on the letter attached is not removed within 30 business day. I will be forced to evoke my rights under the FCRA, CFPB and FTC to sue your agency for specifically failing to provide the method and authenticity of the erroneous data furnished and reported. 

I demand this unauthorized data and information disputed in the attached letter be deleted/removed immediately. 


Please the sections within statute violations are as follows : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. 

FCR

A 623 ( a ) of the FCRA Generally, prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Addres
ses your rights to request copies of your own credit reports and associated information that appears on your credit reports. Therefor in reference to ( FCRA 611 ) to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed.

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Google Compare Credit Cards Inc. (TX)

On XXXX/XXXX/XXXX I placed an order directly with Google to purchase the new XXXX XXXX XXXX for a total purchase price of {$1100.00} which included their preferred care plan. To entice the purchase of this phone Google offered to credit the cost of this phone purchase with a {$400.00} trade in credit for my current Google XXXX phone ( also purchased directly through Google ) that was in use within the Google XXXX network. The trade in program they offered included Google sending you a return shipping label to return the original XXXX phone in my possession. After receiving my new phone on XXXX and testing that it was functional I packed and shipped my original XXXX phone to Google using the tracking label they provided USPS Tracking # XXXX which was confirmed received by Google on XXXX/XXXX/XXXX. 

After receiving initial correspondence from Google on XXXX indicating they were in receipt of my shipment but backlogged in reviewing returned devices they indicated an update would be provided shortly. I subsequently received an email from Google on XXXX indicating they were crediting my account for {$70.00} for a completely unrelated phone ( XXXX XXXX ) instead of my returned XXXX phone. I immediately escalated this concern to Google Customer Service on XXXX whom they quickly acknowledged the phone they credited me for was not the device on my plan ( also not the device I returned as I never owned a Nexus product ). After weeks of delays and having returned my device to Google now 2 months ago they have still not correctly credited my interest bearing account the appropriate refund credit. 

My assumption is either a negligent handling of the return process and/or theft of my device from their processing center. My goal is to ensure I am properly credited the remaining {$330.00} from my returned phone and also if theft is involved that they are appropriately reviewing the handling of returns as that device costs roughly a {$1000.00} when purchased from Google implying that it is a Felony. After multiple delays the most recent update I received from Google was on XXXX indicating an update would be provided in 5-7 business days. I informed Google if an update was not presented in the time they indicated I would move forward with a CFPB complaint to ensure other clients were not receiving the same unfair treatment from this program. Today marks 7 business days and an update was never received. 

I appreciate any assistance that can be provided to bring this complaint to a fair and timely solution. I personally can not believe that Google would string a client along for this long based on their negligent handling of this program. If this is a systemic issue of purposefully not crediting clients back on returned devices it should garner government review. 

Google Case ID [ XXXX ] Google Store Financing XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tally Technologies (KS)

I took this line of credit out in 2022 with " Tally Tech '' aka Tally. A critical part of Tally 's advertising was " no credit check '' and no harm to your score, also indicating there was no reporting to the bureaus ( positive or negative ). 

I have paid off this loan several times over the life I've had the line of credit and maintained a positive payment history for more than a year, none of which was ever reported to the bureaus for my own personal credit gain. 

While I had a hardship at the end of the year, I missed my payment to Tally. To my surprise, despite their misleading advertising, Tally has reported my late payment to XXXX, causing a XXXX point drop in damage to my personal credit. The real kicker is they didn't report all the other positive payments and have opted to violate FCRA by incorrectly reporting payment a complete history. 

During my hardship, I also reached out to Tally to inquire about no accrual for interest and I was informed they never stop charging interest, even in times of hardship. 

As a federally regulated bank, XXXX XXXX XXXX  Tally needs to follow guidance of putting loans into a nonaccrual after 90 days.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (CA)

I started a refi of my loan in the amount of {$420000.00} with owning.com on XX/XX/2020. I enjoy excellent credit and this is a very low loan to value loan, so I was subsequently approved right away. However, when I kept asking for closing documents, they started asking for more and more financial documents. I provided everything and was told I was approved verbally and via email, multiple times. Then I was told that owning.com was sold to guaranteedrate.com. I was told to wait for that sale to fully consume but all our commitments were to be honored. I was provided with new documentation with guaranteedrate.com. And, yet, to this date they will not close the loan. I can not get them to answer the phone or return the call, nor will they respond to emails. Btw, their underwriters are completely inept and have substantially discounted my annual income because they do not understand how to read tax returns. Nonetheless, I qualified. This is ridiculous and also, I was simultaneously refinancing my mother 's loan and the identical progression of steps have occurred with her loan as well. Please help.
Consumer complaint received 2018-01-09
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. (DE)

I had complaint revolved with XXXX XXXX. The amount of XXXX was zeroed out and now the XXXX is showing as a collection on my credit report in the amount of XXXX. The other two credit bureaus deleted the information from credit history, because they were not able to confirm the information from XXXX. I have attached the documents showing that XXXX and TXXXX The resolution with XXXX through the BBB is attached and the highlighted portion shows the arrangement.