davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

It saying Im not paying on time while its not showing which account is not being paid on time. And its saying zero late payment for the last 12 months yet out of nowhere my credit drops to XXXX point with no proof of what caused other then you have a delinquent account with lates payment.
Consumer complaint received 2020-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In XX/XX/XXXX I applied for house loan, preapproved with {$200000.00}. Only changes made to my credit report was a Bankruptcy fell off XX/XX/XXXX, XXXX  and Transunion both added XXXX points to my credit, then 2 weeks later removed the XXXX points and XX/XX/XXXX, I reapplied for house loan, with same banks XXXX XXXX XXXX Bank, and was denied by both, Transunion and XXXX  claiming that I have derogatoriness against my credit report and XXXX score, while XXXX  has no problems and I have XXXX score. I called today, XX/XX/XXXX to XXXX, they claim I have good credit and do not see derogatoriness, and would not discuss the XXXX points they removed after my bankruptcy fell off XX/XX/XXXX. He would not tell me my current score, but recommended I talk to their credit advisors XXXX, who do not answer and automatically disconnected. I have been paying all my bills on time, and only have 1 credit card with low balance, they claim I am 20 % in debt, I owe less than {$800.00} with a credit of {$15000.00} left. They just claim that 5 hard inquiries dropped my score, which I would not have had 5, had they not XXXX up my credit scores in first place. I am ready to buy house and can not get loan! Every month Transunion keeps dropping my score XXXX points XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX No score chg, XX/XX/XXXX XXXX XXXX XXXX pt XX/XX/XXXX XXXX pts, without any reason, XX/XX/XXXX XXXX pts for bankruptcy falling off after 10 yrs, no other changes prior except XX/XX/XXXX XXXX pts. My bills are all paid on time. No problems, other than Transunion and XXXX  have illegal practices going on!!
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with capital one, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due the XX/XX/XXXX in the  amount of XXXX $ and the next was XX/XX/XXXX XXXX  $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XX/XX/XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XX/XX/XXXX and XX/XX/XXXX you have no payments at all reflected, I can understand XX/XX/XXXX but NOT XX/XX/XXXX and XX/XX/XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.
Consumer complaint received 2018-03-16
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: Experian Information Solutions Inc. (NY)

XXXX  is reporting my XXXX account as an adverse account this information is wrong. It has been confirmed with XXXX that the account is current and in a satisfactory standing with no late payments. XXXX has fixed this account after there investigation and it is reporting correctly as an account that is satisfactory not adverse. I have disputed this with XXXX but they have still not corrected it. This wrong information is affecting my credit score.
Consumer complaint received 2016-10-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

Ditech has not paid my town taxes from my escrow account, I have over {$3000.00} due and have had a open claim under investigation since XXXX. Have spoke. To XXXX seperate supervisors, XXXX and most recently XXXX
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (NJ)

Discover bank is not treating me fairly and equitably. The bank keeps giving me a hard time with managing my accounts. I had to call this bank several times and the customer service is very poor. I was put on hold for such a long time and a resolution could not be reached!
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Consumer complaint received 2024-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have been in contact with the companies in this complaint and the credit reporting agencies who are listing invalid information. I require these corrections to be made because I take pride in my credit file. My attempts to correct my credit file has gone on deaf ears and blind eyes so I am here now as my last stop before I involve the courts. I do not nor have I consented to allow the credit reporting companies to furnish the information that I have deemed as incorrect or not mine 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I have been disputing a public record since XXXX 2012. I do not know the supplier is with Equifax or others. I would have contacted them directly to remove the false record. When I successfully had another bureau remove it I had assumed all other reporting agencies would follow suit. I fear I am only requesting removal from the known XXXX bureaus and others may still maintain this falsehood. 
I am requesting this bureau to notify their supplier after they remove it from their records and XXXX other reports that should be removed or are no longer reporting a settled account. 
Thank you
Consumer complaint received 2019-02-22
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. (NC)

This letter will serve as the second formal complaint that you are reporting inaccurate and incomplete credit information on my credit report. In which both companies have responded with the same incomplete result from the original issue I reported On XX/XX/2019. Upon receiving a letter from XXXX XXXX dating XX/XX/2019 stating that they are currently reporting correctly to all three bureaus. Also a letter from Experian reporting a date of XX/XX/2019 and an Experian report number of ( XXXX ). In which, the Experian report does not show my current XXXX XXXX Credit card reporting. There is still a major disconnect between Experian and XXXX XXXX. Furthermore, the issue has NOT been resolved! I have attached in this document the original complaint also the new complaint. I would like this issue resolved immediately. The initial complaint was filed through the CFPB. This second round complaint will be mailed certified and filed through the CFPB as well. I am looking to get an IMMEDATE resolution to this issue. I have spoken with XXXX XXXX and Experian both several times and both companies are saying that I need to contact the other company. Due to the fact they are not responsible for this issue. This leaves me in the dark without a satisfactory resolution. This issue has been occurring for over 30days! An immediate resolution is required at this point.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OR)

Hello my name is XXXX XXXX XXXX. I have complaint against chase bank. They are saying I made electronic payments which has check numbers next to them on my bank statement. I asked them for photo copies of check payment XXXX but they have said I have made those payments electronically so there is no copy. But my bank statement is saying there is a check numbers. I already tried contacting cfpb about this and they have saidXXXX, XXXX was not posted. I attach following evidence. I filed previous complaint number XXXX about this. They have these checks were not posted.
Consumer complaint received 2015-04-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I have a FHA mortgage. I have been trying to modify my mortgage for the past XXXX yrs with Wells Fargo on my own. I have given them everything they have asked for but kept getting denied. I have not been able to get approved but no luck. I also hired an attorney to help me with loan modification. My attorney has tried at least XXXX times also denied. My attorney has gotten the same result. Now my arrears are over {$130000.00}. Now I have a sale date for XXXX/XXXX/15. Now I am going to lose my home. I need your help to stop the sale and would like for someone to investigate my file with Wells Fargo if I have been treated fairly.
Consumer complaint received 2015-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Stellar Recovery, Inc. (TN)

I was placed on collection for a non-existing debt of XXXX fro the amount of {$740.00}. I called XXXX to verified that I owe them nothing and of course I do n't but XXXX has this wrong information on my record and wont remove it. XXXX is the type of company that if you do n't pay them will cut your services so there is no way a person can have such debt with XXXX. 
I am in the process of entering the police academy and this inaccurate information can ruin my career.
Consumer complaint received 2024-02-12
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. (NC)

My purse was taken in XXXX. I've been monitoring my credit profile and accounts. I recently pulled a copy of my credit report and noticed accounts and inquiries that are not mine nor have I authorized. I reached out to the credit reporting agencies requesting verification. These accounts are not verifiable. 
I have the right to privacy, and these accounts with XXXX XXXX XXXX XXXX  XXXX have been furnished to my profile without my written consent which is in violation of 15 USC 1681B. 
Again I have no knowledge of the accounts or credit inquiries from XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I requested with each agency that all fraudulent addresses are removed from my profile.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX I received a text message from Wells Fargo stating there a charge at XXXX XXXX in South Carolina. I live in XXXX, Arizona. They asked if I authorized this transaction I stated no. Someone called me from Wells Fargo saying they were going to have the XXXX transaction from XXXX XXXX in South Carolina refunded as they were not me. The caller also said that the people in South Carolina were trying to transfer money from my savings account one for {$2500.00} and the other {$1000.00}. I stated I did not authorize these transaction and the caller stated that we need to refuse them. I complied as they were impersonating Wells Fargo. Once the call ended they said I would receive a follow up. No call. I called Wells Fargo the following business day to get an updated they did not recognize the claim number that was provided. So they filed a new claim one for the unauthorized transaction in my checking account for {$150.00} but I was concerned about the {$3500.00} from my savings so they transferred me to the fraud specialist I filed a real claim with them about the unauthorized XXXX transfer of {$3500.00} I stated I got a call from a man impersonating Wells Fargo. They cancelled my savings account opened a new one, I got a new debit card and we created a new log in. Once I got both claims filed I just waited, i received emails from Wells Fargo saying how to prevent myself from fraud after the fraud had already happen. It wouldve been helpful to have got those emails/alerts prior, as I have had fraud on both accounts before. I got a letter saying my checking account claim was resolved for {$150.00} I was still waiting to hear back from the saving account. I received a letter from Wells Fargo today saving they denied my claim because I authorized it. I did not authorize it, this man was impersonating a Wells Fargo banker and I was a victim of fraud. As someone who has been a victim of fraud with this same bank they did nothing to protect me and then deny my claim. How are XXXX claims for the same thing not both refunded? I was clearly a victim of fraud and they want to refund only one account and not the other, both incidents happen on the same day. They send helpful emails/ alerts once the fraud had already occurred, I already dealt with this once prior to this new claim. A bank that is suppose to protect you and assets does nothing for you until the damage has already took place.
Consumer complaint received 2015-10-07
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Malcolm S. Gerald and Associates, Inc. (IL)

Malcolm S Gerald & Associates XXXX has been repeatedly calling me from the number XXXX XXXX XXXX. They keep asking for Date of Birth, without even specify purpose of the desired call. It is very annoying for repeatedly being contacted with no specific reason.
Consumer complaint received 2015-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stanislaus Credit Control Service, Inc. (CA)

I was charge for services not rendered. Letter sent explaining issue. Physician in XXXX at XXXX Hospital, XXXX XXXX, Ca refused to treat me, so I went to another facility. They are trying to collect on services not rendered. XXXX XXXX XXXX XXXX and CA XXXX XXXX XXXX have turn the claim over to a Collection Agency, Stanislaus Credit Control Services , Inc. in XXXX, CA.
Consumer complaint received 2015-09-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC (PA)

I see a collection account on my credit report, which is not mine, so I try to contact them by phone so it was very hard to get through them anyway, finally, when I able to talk with them, they are not a helpful and thread me to mess my credit report and keep messing my credit report till I paid them so I write them a letter requesting VALIDATION of debt, After that they did n't respond to letters and take off from my credit report But since then they keep reporting on my credit report after every couple months I have to go and dispute then again and again to clean my credit report but they still on my credit report.
Consumer complaint received 2015-06-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I received a money order from a tenant and misplaced it for over one year, but it was not three years old. It was purchased through Money Gram Money orders. Money Gram claims that it is no longer any good and needs to be reissued for a large fee. I understand that a money order in the state of Texas is not abandoned unless it three years old from the date of purchase under the Texas Property Code, Chapter 72 Sub chapter B page 4. It appears that Money order companies makes the own rules and regulation that does not coincide with state and federal laws to rip off consumers because of misfortune of an accident. 

I called Money Gram and they want a large fee to replace it. A fee had already been paid to purchase it so why would they not honor their check. Money Gram States on the back of their check, Not good after one year from date of purchase. There will be a non refundable service charge will be deducted from the face value of the check to be assessed where not prohibited by law. 

I called XXXX XXXX who the check was drawn on. They could not help. I called the Federal Trade Commission and they directed this matter to this office.
Consumer complaint received 2024-02-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (CA)

I went to XXXX XXXX on XX/XX/2024, about 20 miles from my house, and bought 3 InComm prepaid cards for {$1500.00} total ( {$500.00} + XXXX fee XXXX ). The cards do not work. I tried to call InComm Customer Support and I spoke with XXXX. XXXX told me a bunch of rubbish about how the cards were " not fully verified '' or some words to that effect, even though I bought the cards and have 3 receipts showing that all 3 are activated. XXXX also used the words " there is no verified merchant. '' I called Customer Support to try to get a replacement card with no hassle at no charge. Instead I was given the runaround and told I have to go back to the merchant, which I will not do unless InComm compensates me for my lost time and fuel to go 20 miles each way. 

Since the cards do not work I just want a refund for {$1500.00}.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (GA)

There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 

see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2016-12-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Systems International, Inc. (TX)

I was a victim of identity theft and noticed a collection from CREDIT SYSTEMS INTL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT SYSTEMS INTL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you