davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit 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. (NC)

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Visa for their gross mishandling of a dispute related to charges from XXXX XXXX XXXX. Despite clear evidence of fabricated documentation and serious misrepresentations by the merchant, Visa overturned a previously resolved dispute in my favor, resulting in significant financial harm and emotional distress. 

Summary of the Complaint : Acceptance of Fabricated Documentation : Visa accepted documentation from the merchant that was clearly erroneous and unrelated to my transaction. The documents included another individuals name and address, incorrect service dates, and a forged signature. This should have been identified as fabricated during Visas review process, yet it was inexplicably accepted as valid. 
Misrepresentation by the Merchant : The merchant, XXXX XXXX XXXX, misrepresented themselves as a moving company when they were actually operating as a broker. This crucial information was never disclosed to me, leading to a significant misunderstanding of the services I was engaging in. Visas acceptance of their documentation allowed this misrepresentation to go unaddressed.

Unjustified and Inflated Charges : I was provided with an initial estimate by the merchant, which was later doubled without any justification. Despite providing evidence of this price gouging, Visa still sided with the merchant, demonstrating a lack of thorough investigation and disregard for fair consumer treatment. 
Overcharging for Supplies : I was overcharged for moving supplies that were either not used or incorrectly categorized, leading to inflated costs. Visas review process did not properly address this, further exacerbating the financial harm I suffered.

Failure to Provide Agreed Services and Missing Items : The merchant failed to provide the agreed services, including unpacking at the destination, and several valuable items were missing upon delivery. Despite providing detailed evidence of these failures, Visa ignored these issues, leading to an unjust decision against me.

Impact on Me : Visas acceptance of fabricated documentation and their failure to properly investigate this dispute have caused me significant financial loss and emotional distress. This experience has severely undermined my trust in Visas ability to protect consumers from fraudulent practices. 
Requested Resolution : I am requesting that the CFPB investigate this matter thoroughly. I seek a re-evaluation of my dispute, expecting that Visa will correct

its mistake and refund the disputed amount. I also request that the CFPB ensure Visa implements more rigorous review processes to prevent such failures in the future.

I am prepared to provide any additional information or documentation the CFPB may require to support this complaint. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX
Consumer complaint received 2022-05-02
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-02-02
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. (FL)

To Whom It May Concern, This letter is a formal complaint that the following companies ( XXXX, Transunion, XXXX ) are reporting inaccurate and incomplete credit information. 

I am distressed that the aforementioned entities have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they've published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and deleted from my credit profile. 

FPDCPA Section 807 Violation Misleading False Reporting PARAMOUNTRMG Account Number : 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 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 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 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
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit report is inaccurate I have an updated list of missing items on my credit report. 
I need all my my credit reports to reflect the same info I need all inquiries removed.
Consumer complaint received 2021-03-29
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. (TX)

I contacted XXXX XXXX today regarding the payment I made on my credit card with them. The balance is paid in full and I owe nothing on the credit card but the payment did not reflect on my credit report. The representative I spoke with told me that it will be reported when the credit card cycles in XXXX. I mentioned to the representative I spoke with that the last activity reported was XX/XX/2021, the month of XXXX activity has not been reported. The representative proceeded to tell me to dispute it with the credit bureau. XXXX XXXX has been inconsistent in reporting my account activity to my credit report. A lender pulled my credit report and informed me that XXXX XXXX has reported my mortgage payment as not current when all my payments were current. The lender who pulled my credit report is now asking for a letter from XXXX XXXX stating that I was not late for more than 30 days for the past 12 months on my mortgage payments and XXXX XXXX is dragging its feet to provide that letter to the lender. I want XXXX XXXX to fix this ASAP. Thank you for looking into this.
Consumer complaint received 2019-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DC)

I reported fraudulent transactions on my PayPal account in XX/XX/2019, and PayPal has still not responded. The resolution center status remains " Under Review. '' While under review, I have been unable to unlink my banking and credit card accounts, further putting my assets and credit profile in jeopardy. 

PayPal provides no means to contact or followup with an entity that can fix the impasse. 

PayPal has not refunded the approximate {$55.00} taken from my accounts.
Consumer complaint received 2021-03-02
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. (NV)

My XXXX XXXX XXXX card is currently reporting to all credit bureaus as late as of XX/XX/2018. I have always paid my bills on time and this card was not 30 days late then, so I don't know why it is still reporting as late for that month. This has been very damaging to my credit for over 2 years now. Over the past 2 years, I have called multiple times to XXXX and tried to get this situation remedied but I get thrown into an infinite loop with them telling me it is too late, they can not fix anymore, " it was late, '' etc. I still have always remained loyal as a customer to XXXX and paid on time always, even though they have been hurting me for a long time now due to this. It is very unfair for the account to be shown as delinquent when it was never delinquent to begin with.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is reporting to my consumer credit report ( TRANSUNION, XXXX, XXXX ) that I owe them {$540.00} with the original creditor being sprint. I requested that this company send me a ''Debt verification '' which they have yet to provide me but insist this debt is owed by me. They can not even provide me with proper verification that this debt is owed. Which leads me to believe they are improperly renting to my consumer report.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

In XXXX of 2022 I closed my XXXX  card after one month because XXXX could not figure out how to add my wife to my card and required my cell phone for 2FA. I logged in to the account and verified the account had a XXXX balance and considered the matter closed. 

Months later XXXX started sending me late notices about remaining balances and started charging me fees for things I confirmed were resolved on XX/XX/year>2022 when I closed the account. 

Since then, XXXX has sent me to collections for their egregious fees through the years and every time I received a notice, I disputed it accordingly to protect my credit rating. 

Recently I was made aware of a decrease in my credit score from TransUnion. I have found that XXXX has been able to adversely affect my credit score because I am not willing to pay their fees for charges I am not responsible for. 

I have now found that my insurance rates have gone up because of my poor credit rating because of XXXX banks report. 

Yesterday and today I tried to call XXXXXXXX XXXX, TransUnion and CFPB to try to resolve this matter over the phone but am told they are closed or get disconnected. Today I tried to create an account at TransUnion to resolve the issue their portal did not accept the information I used to sign up for the account. 

In summary, I have not carried a balance on a credit card for the last 30+ years. I have not been late on payments to mortgages during the same time and have paid off all of them but for one HELOC. I value and protect my personal information as much as I protect my credit score. In this instance, it is now literally costing me money to try to protect myself from FRAUD. 

Today, I also called my House of Representative to explain the issue to try to raise awareness of the irony.
Consumer complaint received 2022-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NM)

Talked to NEWREZ customer service ( XXXX ) today about form Initial Interest XXXX XXXX Notice sent to me XXXX XXXX. The estimated new rate and mortgage payment will be {$980.00}. The new payment due on XX/XX/XXXX is based the XXXX index, my margin, my loan balance of {$100000.00} and the remaining loan term of 276 months. My CURRENT LOAN BALANCE is {$100000.00} ( +/- ). I inquired what would be my new monthly payment with the lower loan balance. They said they only prepare XXXX form a year and I received it on XX/XX/XXXX. I question why I wouldnt receive a new form which would be updated with the new rate. I would like an explanation from Newrez.
Consumer complaint received 2020-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

XXXX XXXX of XXXX XXXX ( XXXX XXXX hospital ) never sent any copy of a medical bill to me even though they had the correct mailing address in their system. They claim their system shows that they sent bills to me even though I did not receive any. Other XXXX XXXX of XXXX XXXX customers have the same issue ( not receiving any bills until they are sent to debt collection ). Their errors are going to impact the credit scores of many people, including myself hence this complaint.
Consumer complaint received 2024-03-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (GA)

Email sent XX/XX/XXXX : " Dear Healthcare Finance Direct Team, I am writing to you as a customer who financed treatment through XXXX XXXX XXXX via your services. This correspondence is in light of the recent shutdown of XXXX XXXX XXXX and its direct impact on the service agreement we entered into. 

Account Information : XXXX XXXX XXXX  Contact : XXXXXXXX XXXX XXXX I want to bring to your attention the cessation of essential services that were promised as part of my treatment plan with XXXX XXXX XXXX These services include customer support, access to the XXXX XXXX XXXX app, aligner replacements, final retainers, lifetime smile guarantee, access to a registered email care dentist locally and more, which are no longer available due to the company 's shutdown. 

Under these circumstances, it appears that the terms of our agreement have been fundamentally altered, as the services for which I am making payments are no longer being provided. This raises serious concerns about the continuation of payments under these changed conditions. 

I hereby request an immediate review of my account and suspension of future payments until a fair resolution is reached. It is crucial to reassess our financial obligations considering the current inability of XXXX XXXX XXXX to fulfill its contractual promises. 

This situation not only affects me but also impacts numerous other customers in similar circumstances. We believe that a collective review of this situation is necessary to address the concerns of all affected customers fairly and equitably. 

I look forward to your prompt response and resolution to this matter. Please do not hesitate to contact me should you require further information or clarification. 

Thank you for your attention to this urgent issue. 
Sincerely, XXXX '' Secondarily, I made XXXX payments of {$110.00} each in XXXX and XXXX of XXXX ( {$220.00} total ) that were paid and my HFD account shows that I did not pay them. On XX/XX/XXXX, I sent proof to XXXX that my bank account shows the payments made to XXXX and they claim they're " working on it '' in their response on XX/XX/XXXX but I've still not seen or heard any update on why my balance is incorrect. In all the letters they've mailed me, they are misrepresenting the balance owed AND threatening to send me to collections. Their collection calls also warn they'll be sending me to collections which will hurt my credit which is unlawful. 

Regardless, they voided their contract and can't honor the lifetime guarantee and XXXX isn't a lender. The contract states that they're a payment processor for XXXX XXXX so collections on this account is unlawful. These accounts and contracts should be dissolved.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several accounts on my credit report that do not belong to me. Making these account fraudulent and needing to be removed from my credit report. I have never done or been associated with these companies. Being that I have never been associated with them it make it incorrect information. 

See attached documents
Consumer complaint received 2020-12-12
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Persolve, LLC - Legal - Series 2 (TX)

Persolve Legal Group LLP has failed to establish that it has followed state and federal law to properly notified me that were going to sue ME prior to doing so. Furthermore, I do not recognize the debt they say I owe ; because statements and fraudulent charges can easily be manipulated to benefit the debt buyer the entire debt is being disputed. 

As a result of their unaudited practices ( nationwide ) by state and federal regulators, Persolve Legal Group LLP has filed and won ( mostly by default judgment ) hundreds of court cases here the XXXX Texas region. Soon, those judgments will materialize in garnishment of peoples income and/or a lien on their bank account - unbeknownst to them right now ( including myself ) during a Pandemic. 

PLEASE ACT AGAINST THIS COMPANY.
Consumer complaint received 2021-12-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I need this issue fixed immediately attached document to the attachments section. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. I demand this account to be deleted immediately. 
XXXX XXXX XXXXXXXX Account # XXXX
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2018 Bank of America, charged me a late fee of {$25.00} for my account ending in XXXX. I had submitted my payment on the XX/XX/XXXX but kept getting an error message. It said I had to enroll in bill pay. So I had to go to the full site and then use the mobile site to make the payment. This was not a payment I submitted lay but due to a glitche on Bank of America site.
Consumer complaint received 2024-05-29
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. (NV)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX  XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
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: Experian Information Solutions Inc. (OR)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (FL)

I co-signed my sister for a Santander auto loan but it was a bad loan and Santander got sued by the feds for giving bad loans so in the deal they made with the feds they need to remove that from my credit and my sisters credit however that has not happened The car is a XXXX XXXX XXXX and thats year the deal were made as well ... 

And it got repoed in XXXX