davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
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. (AL)

I have disputed this account and it has not been corrected. The account with XXXX XXXX is still reporting wrong on my credit report. The account is closed. The account has been closed since 2019. However, the account payment status is 60 days late. The account payment status CAN NOT be 60 days late on an account that has been closed for a year and a half. The account status is wrong. The account status should be closed. It clearly states closed in the comments.
Consumer complaint received 2017-12-09
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)

TransUnion is allowing an Illegally operating XXXX XXXX XXXX to submit information to my report. They have allowed XXXX XXXX XXXX to submit a derogatory remark to my file. This is an unverified item from a company that is not even licensed as a legitimate XXXX XXXX XXXX in the State of Texas. According to Section 392. 101 of the Texas Finance Code, it is illegal for a third party collection agency to pursue a debt without being properly licensed and bonded in the state of Texas. XXXX XXXX XXXX is not licensed or bonded in Texas and the proof is attached.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (NE)

JFQ Lending sent me an unsolicited legal Notice of What You Need To Do regarding my current mortgage which is not with JFQ. Its false advertising maliciously designed to mislead consumers. Shameful. 

The JFQ letter also falsely claims that XXXX is the holder of my existing mortgage. That false statement is designed to get me XXXX and other recipients XXXX to call JFQ to ostensibly correct the error. Its not an error ; its a deliberate attempt by JFQ to get me to contact them... so they can solicit a sales commission under false pretenses. I hate to think about all the people they are fooling.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus TransUnion, XXXX and XXXX. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Convergent Resources, Inc. (MA)

1. ) Received emails from XXXX XXXX stating a purchase made in XXXX, XXXX which I replied that I never made a purchase or have an account with XXXX XXXX. I called the XXXX XXXX XXXX XXXX. and that I never applied for an account or purchased any items. I proceeded to freeze my credit accounts with XXXX, XXXX and XXXX and have reported to then the wrong addresses on my report and all the hard inquiries and accounts in dispute. I received a debt collection notice on XX/XX/XXXX from Convergent - XXXX # XXXX - for XXXX XXXX account XXXX XXXX requesting payment of {$2200.00}. I have notified them on-line of my dispute with this debt- identify theft/fraud. I noticed on the 3 credit reports of 2 New York addresses that are not mine and are currently being investigated -- Addresses are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. My credit score has dropped due to the identify theft/fraud of my name, personal information. 2. ) Received in the mail XX/XX/XXXX from XXXX  XXXX XXXX - Reference # XXXX of an account that was not approved from a XXXX XXXX XXXX card. I never applied for this credit card - again identify theft/Fraud. Please resolve this issue. Thank you.
Consumer complaint received 2024-02-21
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. (CA)

TransUnion has failed to comply with my request to present some proof that I am the person liable for the items being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of Identity theft. However, I have never received any documentation to prove that their investigation is correct. FTC complaint is being attached to prove that I had made some necessary actions considering my rights. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7200.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00} 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
Consumer complaint received 2021-07-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Mortgage servicer sent a letter of with intent to accelerate to wrong address and payments were not in default. We were paid up to 4 months even after foreclosure. This is not the first complaint to CFPB. The attorney that contacted me recently to respond to a complaint made here said she investigated sent me a letter saying I was confused but dates she has is all wrong even with proof they refuse to correct the wrongful foreclosurse due to statutory laws. But if I have proof of errors and they did not follow procures why can't any lawyer assist me? Why can't CFPB assist me? Under wrongful foreclosure. How can I get the assistance I need? It ook me 6 years of research and investigating because no one else would help me. I can not afford to hire an attorney. At this point the evidence will speak for its self but I will forward my complaint to all regulating agency 's so I thank you for your time but I shouldn't have to report this again if someone just actually look at my evidence and properly evaluate my concerns.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (NC)

I am writing to your agency after the XXXX XXXX XXXX  response. They told me that you are collecting a debt on their behalf. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Radius Global Solutions has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2018-06-19
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Navient Solutions, LLC. (TN)

I applied for a patent plus loan for the spring term of XX/XX/2016 for my son. We thought it was all taken care, therefore he enrolled. I never received a denial email or letter from navient. They said they sent my son an email. He has XXXX. I take care of things for him for that reason. Neither of us received any other notifications. Since he had already enrolled by the time we were notified, it was too late to drop classes and the college has charged us for the entire semester! {$6000.00} which we don't have. Thanks for checking
Consumer complaint received 2024-02-21
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. (MS)

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 2018-06-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I have already submitted a complaint regarding Chase Bank # XXXX ( and as hard as I've tried, I can not reset my password ). I had applied for a loan modification, in which I had financially qualified for, but after 6 months of waiting and submitting ALL paperwork/documents requested, I was denied. The reason for my denial was 'not primary residence ' when I SPECIFICALLY asked that very question BEFORE I applied.

However, to top that discrimination, I have now received an huge INCREASE on my mortgage payments of {$50.00} ... .I already have a hard time paying my mtg, so why would Chase increase it? Can you help with this problem as well as my original one?

Thank you
Consumer complaint received 2019-10-03
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. (NV)

Hello, My name is XXXX. I noticed on my credit report that there are things that do not belong to me. As I reviewed my credit Report, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as soon as possible. 
Best Regards, *Please see attached FTC reports
Consumer complaint received 2019-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (AR)

In the month of XX/XX/2019, I received a letter from Convergence Outsourcing Inc. regarding a re-aged debt Per Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. I immediately responded to Convergence Outsourcing Inc with an affidavit of denial ( not validation ) explaining this debt has been blocked per section ( 605b ) of the Fair Credit Reporting Act, an was the result of identity theft. Upon checking my credit report on XX/XX/XXXX I noticed this debt is now appearing on my credit report. These actions from Convergence Outsourcing Inc are clearly violations of consumer rights and unacceptable due to the fact the debt has been re-aged and also was the result of identity theft, and has already been blocked from the credit bureaus from a previous debt collector. This is my 2nd and final attempt to resolve this issue before pursuing litigation.
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MA)

I had made purchase of litecoin from Coinbase a few weeks ago paying their fees and their basic cost. I happened to check my bank statement and they withdrew XXXX usdt from my bank account overdrafting my account for an unauthorized payment of the same exact amount I had paid weeks prior. I had called and confronted them and they said they cant discuss it further with me and hung up on me. I am one of many who has had this happen to them. No purchase was authorized and nothing was given in exchange for my money.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I disputed a charge on my credit card because a XXXX did not performed authorized services on my pet. 

I authorized procedures to be performed, and the vet noted they did not have the right tool on hand to perform the procedure after various supportive care was already performed ( e.g ; putting the pet under XXXX  ). I was charged for XXXX  and various supportive services for the procedure, despite the procedure not being performed ( camera into dogs XXXX, XXXX XXXX XXXX, etc ). 

The bank refused to resolve the dispute, noting that because XXXX  happened, it was okay for me to be charged. 

That is insane. You would never be charged for someone putting you under XXXX  by mistake and forgetting the tools to actually perform the XXXX. The bank refused to view the dispute any other way. 


Bank of America has continually said conflicting things. Representatives said showing the invoices being charged by a new vet that showed the same procedures would be sufficient proof - but then renegged and said they needed a signed letter, but I was responsible for the balance. 

Bank of America is claiming the dispute is " closed '', but telling me to provide more information. In substance, the dispute is not closed, they are just calling it closed in form to collect the balance, despite ongoing consultations and being told to provide more information. This is evidenced by BOA having 3 versions of my claims going on under the following : XXXX XXXX XXXX
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX , XXXX XXXX XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/XXXX, I called XXXX XXXX to provide me the available balance transfer information and it was incorrect therefore when I tried to pay the Chase account credit card off the balance transfer check bounced NSF. I was charged a returned payment fee and late fee which were refunded as a courtesy XX/XX/XXXX. In XX/XX/XXXX, I called XXXX XXXX to inquire why the balance transfer check was returned and they offered to send Chase bank a wire for the payoff. The wire was returned because my account is closed and I was charged another late fee in the amount of {$39.00}. I opted to close the account when they erroneously increased my interest rate for no reason shortly after the financial crisis. In XX/XX/XXXX, I paid the account balance listed on the statement of {$3600.00} ( including the late fee ). I subsequently got charged purchase interest in the amount of XXXX which was paid off today XX/XX/XXXX  This erroneous interest should not be charged on a closed account. I did not make any charges and paid off the account last month. I want a check refund in the amount of the erroneous late charge {$39.00} for the returned wire and {$13.00} in erroneous purchase interest on an account that was closed ( total of {$52.00} ).
Consumer complaint received 2021-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Oliver Adjustment Co. (IL)

Received a letter in XX/XX/XXXX that a medical bill was given to OAC Collection Specialists ( XXXX, WI ). On XX/XX/XXXX, I made an online payment of {$27.00} in an effort to pay down the debt which was {$270.00}. 

On XX/XX/XXXX, I scheduled a payment plan and agreed to have a monthly payment taken from my checking account every month on the XXXX until the debt was paid off. The reason why I could not pay this medical bill is because I had over {$12000.00} in medical bills from XX/XX/XXXX through XX/XX/XXXX - the result of two surgeries and rehabiliatation costs from the surgeries. During this time, my 20 year career in the XXXX XXXX was eliminated due to Covid. I was trying desperately to make ends meet. 

The payments were made automatically in XXXX, XXXX and XXXX and I also have the next one scheduled for tomorrow, XX/XX/XXXX. On XX/XX/XXXX, I reeceived a credit card notification that I had a change in my credit score. My score was lowered by 30 points. When I researched why this would have happened, I saw that OAC Collection Specialists reported my account as " delinquent '' even though I had a scheduled payment planned arranged and had been faithfully paying this since setting up the plan. 

When I called and finally spoke to a XXXX XXXX, she said that they could report that this debt is owed until it is paid in full. None of the documents that I printed out with the payment plan confirmation pages state that the agency will report negatively to the credit bureau REGARDLESS if you are currently making payments - the purpose of creating this plan was to, in good faith, pay this debt. This is a deceiving scheme that is now impacting my ability to obtain full-time employment and to re-finance my home mortgage - over a medical bill. Companies that I have applied to require you to agree to a background check and credit check. I now have a negative mark on my credit report that the company will not remove. As a matter of fact, to add to insult, Ms. XXXX stated " well, this debt is from XX/XX/XXXX, it isn't like it was new. '' Ms. XXXX is lucky to be a healthy, able-bodied individual that is gainfully employed. It is unforunate that her origanization preys on people that can not afford to pay their medical bills in one lump sum. If I was told that my payment plan meant nothing, than I would have borrowed money from a relative or friend so that I could afford to pay this so it does not impact my credit and my ability to refiniance and to find full-time employment. I asked Ms. XXXX where it states that she would report to the credit bureaus even with a payment plan and place and she said that she does not have that on the letter sent to me or the payment plan confirmation page. 

This is wrong - it is deceiving, it is unethical, it is abusive and I need help removing this from my credit report.
Consumer complaint received 2021-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of the bureaus, demanding they delete the inquiries that I did not authorize. It has been a total of 119 days and today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2018-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (GA)

I received a notice a collection agency added a debt to my credit report. I contacted the agency and the doctor 's office about the bill I had no knowledge of it. I thought my insurance paid all of this bill. When I contacted them I offered to pay if they removed from my credit report. They said they will not remove the debt from my credit report. I was not aware of this bill. Then they told me about other debt they have which I was not aware of either. I told them I was not aware of the debt and would pay if they remove the debt. The bill they put on my report is for {$100.00}. I don't know the date of this bill but it was added to my credit report on XX/XX/2018.
Consumer complaint received 2021-07-15
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: SYNCHRONY FINANCIAL (NY)

CFPB XXXX XXXX CareCreditXXXX Account Number Ending in XXXX This is in response to case case you closed because the company responded with inaccurate information. They proceeded with making the glasses after I told them not to proceed, there is no reason to continue to manufacture after I cancel or produce the reason other that my signature on the order. This seems to be some kind of Fraud or Swindle act by the Credit company in cahoots with the eyeglass store. I can not send a letter by email to CareCredit so the letter attached I will have USPS deliver.
Consumer complaint received 2018-06-22
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: ALLY FINANCIAL INC. (MA)

I attempted to create a dispute with XXXX about an auto loan after my credit score dropped 80 points on an account that I am the cosigner of. After several attempts to make a dispute through their website all I could achieve was a statement that they couldn't verify my identity even after receiving a conformation that they had identified my account. It seems to me that they simply did not want to process any request. As I was looking to buy a house at the time the sudden drop of my credit has put finding a home in jeopardy.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (MD)

XXXX and XXXX ARE KOT DOING WHAT THEY NEED TO DO.. I do t have any bill or balance from XXXX XXXX. 
Everything had need paid and settled. The year XXXX, there was a bankruptcy done.. 
so again. The only credit cards I hv is XXXX XXXX amd a XXXX wit XXXX XXXX Please have this update this is ridiculous. I have called XXXX  several time stating my online is not working and for them to reset.. still nothing has been done. 

Compnies XXXX XXXX me trickXXXX XXXX and etc ... are paid and settled as contract. Early credit cards .. again were bankruptcy