davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

One week ago, I discovered that I had been billed approximately {$20.00} for a monthly subscription to the TransUnion Credit Monitoring service that I don't think I ever signed up for. I then went back to my credit card statements for the past year and discovered that I had been billed approximately {$20.00} for each month for at least the last year. I have tried to think back and can not think of a time I would have intentionally signed up for this product. Once I had figured out that they were billing me for a product I didn't want, I logged on ( after recovering a password I don't remember getting ) and cancelled. Thankfully, it was not that difficult to figure out how to cancel on the account, but that doesn't help me recover the more than {$240.00} that I have paid this company over the past year that I didn't want.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

For EQUIFAX. These companies have fraudulently pulled my credit without my authorization. I believe this is fraud. I need these inquiries removed immediately or I will take further action. I have contacted these companies for weeks and nobody is responding to me. Please look into this as soon as possible. Thanks. 

XXXX XXXX - XX/XX/2024
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (NC)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I looked up my credit report on Transunion and found a hard inquiry done on my credit calles XXXX XXXX XXXX XXXX, I never heard of this company or even applied for credit with them or if this is even a real company.
Consumer complaint received 2021-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good,
Consumer complaint received 2021-09-16
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)

I recently during the pandemic fell behind on my payment with XXXX XXXX in 2020 due to financial hardship and the fact I just had a baby. Prior to my initial missed payments I had a good payment history and even after the missed payments I keep up with payments. The payments that was missed in XXXX 2020 was only due to a real natural hardship and the pandemic that took place and I beg that you forgive it being that I have good track record and promise it will not happen again. The missed payment is also affecting my ability to obtain more credit and is hurting my financial reputation
Consumer complaint received 2023-03-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

fell into 90 day arrears, contacted company for loan modification/refinance but they would not approve but, kept me on a reduced payment plan which charged me late fees each month for not paying full payments and took me off my original VA loan and increased the interest rate. I had no choice as they wanted to foreclose on my home. This continued until XXXX mortgage approved a refinance in 2021
Consumer complaint received 2019-03-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (FL)

On XX/XX/XXXX I had 5 separate charges from XXXX XXXX XXXX each for {$200.00} for a total of {$1000.00}. I've attempted multiple times to resolve this with XXXX XXXX and inquired about obtaining more information about the charges I'm writing on several occasions. I filed a police report as the only information XXXX XXXX gave me was they were cash withdrawals even though I did have my card in my possession. I advised direct express that in the weeks before the fraudulent charges I did receive an email that appeared to be from their company stating my account was locked and I would need to enter my card # and pin to unlock it. In hindsight I realized that this was obviously a scam to obtain my card # and PIN.. I've provided XXXX XXXX with my concerns in writing and the evidence to support my claim to no avail.. They refuse to investigate my claim despite the indisputable evidence that my claim is valid and I was scammed for {$1000.00}. XXXX XXXX is not following federal law at this point and have blatantly disregarded the laws put in place to protect consumers in such matters.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Walmart has not been reporting an account that I'm listed on as an " Authorized User '' to the CRA 's. The primary account holder has on several occasions notified Walmart to start reporting the account yet they have not to date and I have been added to that account at least for 6months.
Consumer complaint received 2021-09-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequoia Financial Services (CA)

I have been trying to fix my credit and I started working with this company, which assists and helps in taking away false/inaccurate credit reports. After I reported these accounts as inaccurate since I did not do any medical operations for this amount that they are reporting, I repeatedly called and asked them to verify the debt and send me verification as to why do I owe this money and for what procedures. They failed to do so and never sent me anything till now. 

Not only that but the company I am working with did succeed to remove the debt from my credit report, but only for a very short time and some how this collection company managed to place it back again. Shortly after I received a phone call from them and it went as follow : The representative of this collection company was extremely rude, he said " there is nothing that you will do that will take away this debt, you will not get it rid of it unless you pay us in full. Every time you will take it out of your credit report we will submit it right back and decrease your credit score more, and start counting another 7 years '' This company name is SEQUOIA FINANCIAL SVCS. I truly need your help as this is hurting me specially during this hard times, and it just feels very abusive.
Consumer complaint received 2021-06-08
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: EQUIFAX, INC. (CA)

I called in to Equifax today XX/XX/2021 at XXXX and XXXX and requested to delete accounts that Ive been disputing last month XXXX and XXXX and the both representatives refused to comply with the 15 USC 1681n and I was hung up on both times while being transferred to a supervisor. I was also told that they cant honor my request and remove the accounts because they have guidelines other than following the federal credit reporting act. I have a right to exclude any account associated with a credit transaction and they refuse to comply. I asked that the accounts be deleted immediately and they refused. Im sick and tired of Equifax lying about the validation of accounts because they never spoke to any of my neighbors, family members regarding my reputation or credit. Only o can validate pursuant to 15 USC 1692g. I am the original creditor and I called to ask that those accounts be deleted immediately and did not comply.

I am requesting that the CEO of the company send an affidavit of truth that a verification of accounts with neighbors and family were validated to conclude that the reporting from the creditors were valid. You continue to lie and you will be fined!
Consumer complaint received 2022-01-16
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. (NJ)

XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX Original creditoXXXX XXXX OpenedXX/XX/XXXX, XXXX ( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX  Latest fraudulent account posted on my credit file.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

I was sent a text alert by Chase Bank on XX/XX/XXXX asking if a charge was mine, it was not and I reported it and the card was closed. The next day I logged into my account and started the fraud reporting process on many charges that were on my account or pending. Chase refunded all the charges, I paid off the account as usual and we were squared away. 

In XXXX most of the charges reappeared on my account. I did not receive any mail explaining why and spent many hours on the phone being transferred around as they were confused that I was complaining about charges that had already been refunded. When I got to someone that understood they had been refunded once but charged twice she asked a few questions and said she would have the dispute reopened. She said the denied the claim of fraud because the card, with the chip, was used in person. Well, that's what happens when someone steals your credit card? 

I sent a letter outlining that the card was stolen and used in person, not by me. I do not shop at any of the locations of the charges, and pointed out that I do not shop in person in stores as these charges were, I am only doing delivery during the pandemic. 

Within days I got nearly the same form letter as the first time stating my fraud claim was denied with no options listed for recourse. 

The charges in question are XX/XX/XXXXXXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX  AZ XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX # XXXX XXXX AZ XXXX XX/XX/XXXX XXXX # XXXX XXXX AZ XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX Total XXXX
Consumer complaint received 2021-09-05
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. (CA)

XXXX made a XXXX purchase ( CA ), with affirm and returned items a couple days later. XXXX continued to charge. I didnt pay. XXXX issued me a {$.00} refund. The total was {$2500.00}. I have disputed, failed. They say the info is accurate. A few months later, they sell the debt to XXXX. They marked my credit as a charge off. I called because that has precluded me from buying a home. I called affirm yesterday, spoke with XXXX in XXXX XXXX ( what I was told ). I asked for a manager, I was told I have to call back and ask for one, then she said shes the manager, then she said no one is here. I never received ANY letter stating they are charging it off ( XX/XX/XXXX ). XXXX told me that its my responsibility to police XXXX. How? I made the returns, the erroneously issued the credit for {$.00} instead of {$2500.00}. XXXX said I returned {$.00} worth of stuff. Thats wrong. So XXXX  said that affirm says its valid. Now I can not buy a home. My credit is pristine. I will not pay for something I returned. {$2500.00} is a lot of money. This is nuts. I was denied access to affirm leadership, I asked that XXXX please send an email stating the account is not in their possession, denied again. I need this CHARGE OFF removed please. She is aware I have XXXX XXXX children and we do not collect ANY government help. I need to buy a home! I found it and now I can not finance it because of them.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I HAVE DISPUTED THIS ACCOUNT NUMEROUS TIMES AND IT IS NOT RESOLVED. THIS ACCOUNT DOES NOT BELONG TO ME. I HAVE NOT EVER SIGNED FOR NOR AUTHORIZED AN ACCOUNT WITH THIS COMPANY OR THE COMPANY IT REPRESENTS. XXXX XXXX XXXX IS NOT MY ACCOUNT
Consumer complaint received 2021-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (IL)

There was a collection account showed up on my XXXX  credit report. I called the debt collector to tell them it is not my account and I never used those services. The representative asked me for my address, but I refused to give my address, as I have been a victim of identity theft before. The representative started using abusive language and threatened to report the debt to all three credit bureaus to damage my credit. I hung up the call as she started becoming more abusive. I have not used those services, and I can prove that that is not my debt, but I did not want to give out my personal information to that collection agency.
Consumer complaint received 2022-01-16
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. (NJ)

XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX Original creditoXXXX XXXX  OpenedXX/XX/2021 ( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX Latest fraudulent account posted on my credit file.
Consumer complaint received 2021-12-01
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. (IN)

I had a card with this bank that was opened on XX/XX/XXXX for a purchase through XXXX XXXX with a balance of {$870.00}. The card was paid off on XX/XX/XXXX and the account was closed XX/XX/XXXX. This account was used just XXXX time. On XX/XX/XXXX, I returned to XXXX XXXX and paid cash to have my tires rotated and balanced. On XX/XX/XXXX XXXXXXXX XXXX on behalf of XXXX XXXX ran my credit report. I found this out when I ran a personal check of my credit on XX/XX/XXXX. Since I had not applied for credit I called the bank and asked how they had the authority to run a credit check on me. They sent me a letter dated XX/XX/XXXX claiming they ran the check off the credit app I had submitted XX/XX/XXXX. If that is the case then I feel that they are in clear violation of federal law. That application was XXXX XXXX XXXX and the account was closed for 6 years. There was no current application for credit pending. This also begs the question as to why after all the years and just shortly after my visit to XXXX XXXX did my name pop up for a credit check for XXXX XXXX. My opinion is that there is collusion going on between the two entities and XXXX XXXX is a partner in this little scam. I have spoken with XXXX XXXX and they disavow any knowledge of this. I have spoken with XXXX XXXX  and even after sending me a letter which specifically states the reason for the inquiry was the old application, they deny ever running a credit check. Trans Union says they did. XXXX says in writing that they did but orally they claim they didn't. These people seem to have a real problem with the truth.
Consumer complaint received 2019-11-13
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. (MI)

I RECENTLY CHECK MY CREDIR REPORT AND NOTICED THESE FRADULENT ACCTS. 

XXXX XXXX XXXX/ ACCT : XXXX/ ACCT OPENED XX/XX/XXXX {$300.00} XXXX XXXX/XXXX XXXX XXXX / ACCT OPENED XX/XX/XXXX {$85.00} XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ACCT OPENED XX/XX/XXXX {$640.00} XXXX XXXX XXXX/ XXXX XXXX / ACCT OPENED XX/XX/XXXX {$830.00} XXXX XXXX XXXX/ XXXX XXXX/ ACCT XX/XX/XXXX {$570.00} XXXX XXXX XXXX XXXX /ACCT OPENED XX/XX/XXXX XXXX {$150.00} INQUIRIES : XXXX XXXX XXXX / XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX/ XXXX/ XXXX/ XXXX XXXX/ XXXX XXXX
Consumer complaint received 2024-09-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (TX)

Upgrade bank recently suspended my checking and savings account due to unusual activity. I am pretty sure I just use the bank to do US domestic transfer between external accounts. 

The customer service said it will take up to 30 days to fix the problem. 
I have XXXX in my savings account and I am going to purchase a house. the 30 days account suspension would delay or lose the chance of house purchase offer and will cause significant loss of my assets. 

Wish you can understand my concern and my financial distress. 
Could you help me contact upgrade bank accout to speed up the account review and unfreeze the bank suspension as early as possbile? 

I really appreciate your help!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-02-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fradkin & Weber PA (MD)

I took out a {$5000.00} dollar loan in XX/XX/XXXX from XXXX XXXX. I took the money out to start my now very successful business. 

I made the payments on time every month until XXXXXX/XX/XXXX when I was called by a debt solution company about renegotiating my debt. I agreed to enter the program as I had already purchased my home and car so I didn't think it would be a bad idea. The debt solution company XXXX XXXX XXXX XXXX XXXX told me to treat it like a bankruptcy while they negotiated the outstanding balances lower. A month later I received a summons from Fradkin & Weber collection agency. The XXXX XXXX XXXX XXXX XXXX  company told me not to respond to it. I had an over 700 credit score at the time. Then F & W called me and threatened me and it made me extremely nervous. I was able to make the payments, it was never about not being able to make the payments so on XX/XX/XXXX I exited the debt program and made a payment to get up to date with XXXX. I made this payment at the XXXX MD branch off XXXX XXXX. I called F & W and asked what did I need to do to make the hearing go away. They sent me a form to fill out and fax back to them and I faxed it from a XXXX in XXXX PA. 

I found out later that they did not stop the hearing, and it went on and I did not show up to court and the judgment was awarded against me. I didn't have money to attain an attorney at the time and rather than go deeper into trouble with this agency I started making the requested payments to them. 

I made payments on time every single month for years. I then requested F & W to send me a payoff balance several times. All of my emails went unresponded to. I wanted to pay the remainder in full. No one got back to me. 

I had an automatic bill pay set up with my bank but I had switched banks. I missed two payments to F & W and they without my knowledge or permission pulled a large amount of money out of my bank account on XX/XX/XXXX This was way more than the balance owed. I have paid nearly 8000 dollars on this {$5000.00} loan. 

I have emailed them and called them repeatedly for an explanation and no one has responded. This place has turned my life upside down,
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I closed my XXXX credit card account however they still billed the annual fee and in XX/XX/2021 they reported the annual fee 30 days past due in XXXX. 

My assistant went ahead and paid the annual fee because she saw the late bill and was concerned. 

I should have never been billed an annual fee and the late mark is invalid.