davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-20
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. (GA)

I received a copy of my XXXX credit report, report # XXXX for XX/XX/XXXX. The credit report showed a Chapter XXXX Bankruptcy public record and a comment stating the Information was  published by XXXX XXXX. I sent a letter to XXXX disputing the Information being furnished by XXXX along with a copy of a letter from XXXX dated XX/XX/XXXX confirming the security freeze that was placed on my account. I also included a letter from US Bankruptcy Court XXXX  District of Ga datedXX/XX/XXXXconfirming that they do not report to a credit reporting  agency. I received an email from XXXX on XX/XX/XXXX stating the Information was verified as correct and will remain. I believe their investigation was invalid. This Information could not have been furnished by US Bankruptcy Court because they do not report to a credit bureau, nor was the Information verified by XXXX due to a freeze that I have on my account. I opened claim # XXXX XXXX on XX/XX/XXXX. The claim was closed on XX/XX/XXXX due to a response from the credit bureau. The credit bureau noted that they would reinvestigate. On XX/XX/XXXX, I received a notification from them that the Information would remain. That was not enough time to recertify the Information. I am respectfully asking for this Information to be removed due to invalid verification and incorrect reporting. Thank you for your assistance in helping with this matter. 
Kind Regards, XXXX XXXX XXXX ss # XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In 2014 I attempted to get a deferment on my student loan as I was not making enough moment each month for regular repayments. I had gotten several deferments for forbearance for the same reason over the years. Eventually I did get the payments deferred, but I have a " late '' payment in XXXX 2014 on my credit report. It dragged my credit score down XXXX points and now I have trouble getting apartments and believe it will cause me problems if I attempt to purchase a car or home.
Consumer complaint received 2017-08-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC (AZ)

Forward Movement Recovery continues to call my number asking for a woman I do n't know on a phone number I have had for nearly 8 years now. They have attempted to call from several numbers, the latest being XXXX calling me at work today. Do n't know how they got this number. SOOOO sick and tired of receiving calls from this company for a debt I never incurred and do not owe ... much less for a person I 've never met and do n't know. In addition, my and my family 's phone numbers have been listed on the Federal Do Not Call Registry for telemarketers for YEARS. Whatever happened to folks respecting this and actually leaving folks like me who want to be left alone left alone as we 've requested?
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting a collections account to my credit file that has nothing to do with me. The date of birth connected to this collections account is XX/XX/XXXX and my date of birth is XX/XX/XXXX. I have contacted XXXX XXXX XXXX on numerous occasions to have this resolved to no avail. I spoke with extension XXXX XXXX XXXX XXXX and she assured me that this would be removed and to date it havent been resolved.
Consumer complaint received 2023-03-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

Loan servicer had to place insurance on property for 30 days and notified me I owed {$36.00} to reimburse them for this. I sent in the {$36.00} to them on XX/XX/2020. They then sent several letters, stating that I had not paid the amount and my monthly payment was going to be increased. 
I called on XX/XX/2020, and complained, they said they showed the {$36.00} payment in the system from me, but had not applied it to my shortage. They then said they would check it and left me on hold for an excessive period of time. I had to return to my work or risk discipline from my superior at work. 
I have tried to do the right thing here and they have taken my money, not applied it, then are threatening me with action against me, due to their failure to apply the payment properly. 
They should not be allowed to service loans. Please do not close out this matter without my agreement, even if they claim it is resolved.
Consumer complaint received 2018-07-16
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: First Federal Credit Control, Inc. (WA)

There are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Federal credit control
Consumer complaint received 2020-05-17
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. (NV)

Ive complained several time on the debt which is not even mine, but XXXX XXXX XXXX  has insisted that it was. XXXX XXXX was the original creditor, that closed the account on XX/XX/2016 which is the time the statute of limitation should have started, not when XXXX XXXX XXXX  finally started reporting it on XX/XX/2016. so this has illegally been reaged to keep it open longer than the law allows. transunion is still illegally showing it as open.
Consumer complaint received 2017-08-08
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: AMERICAN EXPRESS COMPANY (MI)

There was an unauthorized credit pull from American Express that in turn cause me to obtain a hard inquiry on my credit report. This hard inquiry reduced my credit score. I was not aware nor authorized this inquiry on XXXX XXXX, 2017. I will like this to be removed from my credit report because it is fraudulent and I am a victim of identity theft. Along with American Express, XXXX and XXXX XXXX was pulled fraudulently.
Consumer complaint received 2022-08-25
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. (IL)

When I reached out to dispute, their was no response and it still appears on my credit report. I disputed it through XXXX  XX/XX/2022.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

For the past 3 months I have received the WORST customer service ever from any financial institution that I have delt with. Dealing with XXXX XXXX XXXX from X/XX/17-XX/XX/2017. I was giving misleading information. Her customer service to me was tasteless, classless and very disgusting! Ive sent her over 10 emails not one Time has she replied back to my emails. She had me pulling information that wasnt apart of the issue I was having. I felt racially descrimated when I met with her in person and after that we spoke on the phone several times. I was rudely cut off and her tone wasnt pleasant. I dont understand how someone with such a high position in a bank lack basic customer service skills. I was treated as if I was a criminal!! I will be taking legal matters. Anyone who banks with XXXX XXXX XXXX XXXX should leave before this happens to you! UNACCEPTABLE
Consumer complaint received 2020-09-02
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. (TX)

XXXX XXXX XXXX is reporting inaccurate and old information to my credit report. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609 that this account be removed from my credit report immediately.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have called XXXX several times regarding this matter, and no one can give me an answer. The last update to my credit report was XX/XX/2022. This loan has been written off due to Public Service Forgiveness. The balance is {$0.00}. 


XXXX Account : XXXX Current Balance : {$0.00} Previous Balance : {$1500.00}
Consumer complaint received 2023-02-23
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: CLGF Holdco 1, LLC (OH)

A Destiny Mastercard was opened in my name that I didnt authorize the description is FEB DESTINY/GF the debit is {$770.00} as of XX/XX/2023 I am a victim of identity theft someone stole my personal information to open this account.
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I have been a customer of Suntrust for 2.5 years. I have worked for the XXXX XXXX for 28 years. Since having my checking account with Suntrust I have always deposited my payroll check either through the ATM or via mobile banking. The funds were always available the next business day. The last two paychecks have been held for long periods of time and nothing about the check itself has been changed. It is still a payroll check and not having access to the funds resulted in additional fees and bills going unpaid. I contacted the bank several times to be told there was nothing that could be done.
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I made an online {$290.00} purchase of a shower door at XXXX  using my Capital One XXXX XXXX Card.
Very soon thereafter I received a fraud protection email from Capital Once asking me to confirm that this was a legitimate purchase.
That same fraud protection email said " if your purchase funds were denied, please re-purchase '' 1st Capital One should know if they denied the payment. The fact they did n't know made me suspicious of the authenticity of their email, and 2nd and most importantly, I was not aware that my purchases can generally be denied merely because XXXX questions why I am buying a shower door from XXXX XXXX.
I have been a Capital One XXXX customer for at least 10 ( maybe 20 ) years.
Consumer complaint received 2020-10-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 I deposited a cashiers check for {$240000.00} to Bank of America as a Principle Only payment to my HELOC. The money was never applied to my outstanding credit line and the bank still to date has not fixed the problem. I have spoke to 3 Banking Center Managers, 4 associates at the customer service number, one Assistant Banking Center Manager, and even the Market President. 16 days the bank has held my money and not resolved the issue. This is completely unacceptable and against the law. No accountability among associates and it appears that there is lack of controls in place with the Bank.
Consumer complaint received 2020-09-20
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: TD BANK US HOLDING COMPANY (NC)

I don't agree with the charge off since it was a gap insurance issue and when finally paid wasn't explained what I needed to do till end of the year I owed a full payment. I lost that dispute but now my credit report is showing 2 charge offs for one issue that was paid out.
Consumer complaint received 2021-09-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A. (MO)

I initiated a payment from my personal bank XXXX XXXX  to my lienholder PNC Bank on XX/XX/2021 check number XXXX. XXXX XXXX  indicated a paper check would be mailed to PNC Bank and arrive by the XXXX. PNC Bank stated it will take them 10 days process the payoff essentially costing me a total of 16 days additional interest on this loan.

I have made several lump sum payments electronically that went through without issue in the past. My problem is that when trying to pay the loan in full PNC requires a paper check and adds 10 additional days for processing. I believe this is an abuse of the consumer by padding interest on a loan that should be able to be paid in full electronically.

Neither XXXX XXXX nor PNC Bank can provide information where my check is and the status of my payoff.
Consumer complaint received 2020-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I purchased something through a seller on XXXX XXXX but the whole transaction was made via paypal. I paid {$100.00} on a product using paypal, not knowing that the seller was a scammer and did not send me the product hence he got my money and his phone is no longer active. He stopped replying to me and just took my money. I appeal this claim through paypal asking them to help me out because i got scammed, but they said they are not able to do it for me. XXXX XXXX XXXXXXXX also said that it should be paypal who needs to fix my problem not them. Please help me out as i dont want these scammers to find another victim while Paypal was just denying to help me as well as hundreds of their consumer who got scammed through their platform. Thank you
Consumer complaint received 2020-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (NC)

This has reference to the purchase ( NOT rented ) of a sofa from XXXX XXXX XXXX in XXXX, NC. The actual cost of the sofa was {$1400.00}. 

Although I was ready to pay the full amount the sales person recommended and encouraged me to go for the financing option with their financing partner American First Finance ( which is located in XXXX, TX ). 

Account number for the purchase is XXXX. 

I was asked to provide the bank account number and routing number. Without knowing the credibility of the financing company, trusting them I shared the details. I agreed upon for a weekly payment of {$48.00} per week. 

The date of purchase was on XX/XX/2018. Sometimes in XXXX I survived a major XXXX XXXX and as a result could not track the transactions of my bank account. 

Recently I received a letter from the financing company that I owe them {$0.00}. I was taken by surprise since already I have authorized them to pull the money ( an amount of {$1400.00} for the product I purchased ) from my bank account. 

When called the customer service I was totally shocked ( from which am still trying to recover ) to  understand that they have taken an amount of {$3900.00} ( an excess of {$2500.00} ). 

All my efforts to convince them for refund of {$2500.00} was in vain. 

When it was clearly mentioned that I wanted to purchase they treated it as a rental agreement and I was trapped. 

Since the day of purchase so far never I received any courtesy reminder letters nor phone calls nor any type of communication ( except for the {$0.00} ) which clearly indicates their intention. 

Please find some of the documents I have attached regarding this business. 

After this experience when I went through the reviews about the financing company only to note that many like me suffered as well. 

Best Regards XXXX XXXX ( XXXX XXXX XXXX
Consumer complaint received 2022-07-02
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-02-23
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. (FL)

On XX/XX/XXXX I called Chase to dispute a transaction of {$12000.00} with a company called XXXX XXXX XXXX. On XX/XX/XXXX, I purchased a license but due to false expectations, and not getting the service of {$12000.00}, I disputed traction with Chase. I spilt the payment into two chase credit cards chase freedom and chase slate. On my chase slate, I was granted the {$6000.00} in my favor, and on My Chase freedom I was not I called back and In XX/XX/XXXX chase had me submit the documentation again because according to them they had not rec 'd documents they denied again because documents were not sent in XXXX and I did but they didn't rec 'd it than on XX/XX/XXXX, I sent documents again for an appeal but they sent out another letter on XX/XX/XXXX, denied. I called again and they said it always be the same outcome because they did not rec 'd the documents in XXXX. It makes no sense that from which credit card I was granted and for the other I was not for both credit cards are the same documents and the same purchase on the same date. It not fair they tell you there is an appeal and there is not one is because the client wants to appeal and regardless it will be the same outcome. it make no sense so there is not appeal.
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

Good day : After waiting 3 months of unemployment payment. I was finally deposited. On XXXX XXXX. On the same day I made a couple of payments and Transfer some money to my wife 's account. 
Minutes later my account was frozen. When I call customer service for help. 
They told me that there's suspicious activity. They ask me for my personal information regarding the bank account. 
After that they told me that my account was close. They didn't explain why? and that they were going to send me a check for the entire balance in about 10 days. 
After 2 weeks of waiting for a check. I call back and told me the same thing. 
" To wait another 10 days ''. 
It was 2 months when they finally ask me for my proof of unemployment. 
I went to a branch and gave them the Paperwork. They image the paperwork and save it. A very kind lady help me and told me in 5 or 7  days my account will be re-established. If not to call back the online support. 
Since then every week all I hear Its keep waiting. 
Now It's the 3rd Month. 
Thank you.
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

I recently received an alert on XX/XX/2023 about a derogatory reporting from a creditor named Credit Collection Service in the amount of {$480.00} on all 3 of my credit files XXXX, XXXX, XXXX. This account does not belong to me and as reported I am a victim of identity theft. This account should have never been reported on my credit file as a derogatory remark. I made a permissible request to remove this fraudulent report. I called and reported to each of the bureaus. I am being effected by this identity theft and I need this creditor investigated & a complaint ordered for the false reporting that has called me agony and stress.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (NJ)

Money Network has agreed to issue final credits to my account as per the fraud claim I had filed back on XX/XX/2022. However, they left out XXXX transaction, which was for XXXX, {$34.00}, charged on XX/XX/2022. Not really sure how they missed it, as it was the first transaction disputed on the claim form...
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I sent in a payment of {$31000.00} to Select Portfolio Servicing, XXXX XXXX XXXX, UT. My monthly payment is {$1100.00}. I instructed them, on their payment form, in the box that says " Apply to Principle '', to apply the additional {$30000.00} to the principle. They did not do so, as I instructed them to do on their form. I was told by them that, the money was distributed according to what their computer decided to do with it, even though I had specifically directed its distribution on their form. The payment of {$1100.00} was taken out of the funds. As far as the remaining {$30000.00} goes, the next months payment was made of {$1100.00} { for XX/XX/XXXX }, {$10000.00} was put in an unapplied balance account and the remainder of {$18000.00} was taken off the balance after the second payment { XX/XX/XXXX's } was made. They charged me interest on the {$30000.00} as if it had been paid 2 months later. They said it will take some time to straighten this out. I could call next week.