davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY ()

Reconciliation between XXXX XXXX and XX/XX/XXXX revealed a deficit of XXXX a small amount but this, as explained, prevents me from completing production accounts. 

Reconciliation was requested for a set of business account related to tax accounts required for a documentary production valued at XXXX  XXXX. 

It was confirmed by 'Anthony XXXX the Amex representative that the company refer customers to fake supervisors. 

Call XX/XX/XXXX ... 

- Requested statement reconciliation allegedly 7-10 working days- XXXX/ customer service representative passed me to fake supervisor- XXXX the fake supervisor - promised supervisor would call 5-7 days - No supervisor call or confirmation of complaint sent to customer - XXXX sent escalation process XXXX email to escalations ) - nothing 17 days later ... no letter, email or XX/XX/XXXX ... 

XXXX XXXX / will try to put to XXXX XXXX called XXXX a fake manager- XXXX XXXX customer service representative ( senior consultant ) - Entire history explained to XXXX XXXX XXXX confirmed the complaint sent by XXXX XXXX XXXX confirmed that a complaint was raised and will take 15 business days XXXX confirmed case will be dealt with within to be XXXX working days. 

Today is when I needed this done.
Consumer complaint received 2024-02-23
Product: Credit reporting 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. (FL)

In response to my previous complaint the credit bureau advised that the disputed item is updated. However, they did not delete the disputed item which is over 7 years old. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : XXXX XXXX XXXX account XXXX Also, Transunion is showing a 30 late payment on XXXX XXXX  account XXXX which is incorrect- I have never missed any payment on this account.
Consumer complaint received 2024-02-23
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. (MN)

Im submitting a complaint to you today to inform you I was the v

ictim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of accounts/items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-26
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: EQUIFAX, INC. (CA)

I submitted official documents along with a personal letter to the original creditor XXXX, that undeniably dispute ownership and responsibility for the account that is currently being reported as delinquent by XXXX XXXX XXXX, debt collector. I submitted a dispute for inaccuracies and reported fraud to the credit bureaus and XXXX XXXX to investigate the validity of ownership to the debt from XXXX. XXXX XXXX continues to report inaccuracies file against without providing information to validate and identity ownership, agreement terms, contract enforced by law.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX  is reporting 5 accounts from XXXX XXXX that do not belong to me. I was not notified by mail of any of these accounts prior to this company placing these accounts on my credit report
Consumer complaint received 2020-05-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (KS)

Since having the loan for {$2200.00} I have paid over XXXX dollars in payments off XXXX by weekly since XXXX and my balance has only dropped {$400.00}. I don't get assistance or responses from emails.
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

SchoolsFirst FCU has violated XXXX XXXX XXXX by continuing collections after a cease and desist and XXXX XXXX XXXX by failing to report accurate information to credit reporting bureaus.
Consumer complaint received 2018-07-14
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. (FL)

I contacted XXXX XXXX on Wednesday XX/XX/XXXX because there is a late payment being reported on my credit report in XX/XX/XXXX. The representative stated he saw no late payments in my history but he could not go beyond 180 days in the past. I have never been late with my payments. I still have a current open account with XXXX XXXX that I want to keep.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Equifax is reporting 5 accounts from XXXX XXXX that do not belong to me. I was not notified by mail of any of these accounts prior to this company placing these accounts on my credit report
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (CA)

I have opened a few American Serve prepaid cards in 2019. I loaded money and used them to pay for bills, hotel bookings. In XX/XX/2019 I booked a few hotels for my vacation with the cards bu putting down deposits. The vacations were later canceled in XX/XX/2019 due to personal reasons and the deposits were refunded to the cards automatically. However American Express Serve card company thought the credit from the hotels not from the original refund and restricted my access to my own money in these accounts. 
I have called them numerous times but they refuse to give me my money back. 
They are also charging monthly fees on these account after the accounts were frozen. 

We need our money back and this company is unethical for freezing their customer 's money.
Consumer complaint received 2021-03-25
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. (SC)

There are serveral account reporting I didn't authorize these accounts are violating my rights. Please remove these inaccurate accounts from my credit report and send updated copy to me. 
Consumer XXXX # XXXX {$500.00} # XXXX {$55.00} - I DON'T EVEN KNOW WHAT THIS IS XXXX XXXX XXXX {$800.00} XXXX XXXX NA # XXXX {$960.00} i'VE Tired reaching out to each company and got no help! These accounts are fraudulent and causing me great distress. I'm having a hard time getting approved for house because of these accounts that does not belong on there. The credit reporting agency is violating my rights. Please remove these accounts from my credit report.
Consumer complaint received 2018-04-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: YKS Acceptance, Inc. (CO)

My daughter XXXX XXXX purchased a car from XXXX XXXX XXXX in XXXX Colorado in XX/XX/XXXX. The car continually leaked water inside and collected on the floor above and underneath the rubber car mats each time it rained. 
We brought the car in several times for repair. They claimed to have replaced the windshield twice, yet it continued to leak. 
My daughter started to suffer from XXXX, XXXX and XXXX XXXX XXXX a few months after owning the car. 
She's been receiving XXXX XXXX ever since. We thought the car and her breathing were related, so we drove to XXXX for tests ; the car inspection showed XXXX XXXX, she was tested positive for XXXX as well at one of her medical appointments. 
We regularly went to to XXXX  for assistance with the car leak, they were rude and condescending to us. We brought them the test results for XXXX on the car and her medical bills. They were uninterested. A couple weeks later her car was repossessed while she was in a store, only 2 weeks after her last payment was made. 
They sold the car after that at an auction. A few months later, an article in our local paper explained the dealership had been under investigation and were court ordered to re-pay clients who purchased vehicles between XX/XX/XXXX and XX/XX/XXXX. We have never heard from them at all in regards to her account and the legal action of them repaying clients.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (GA)

I made my XXXX payment on time in person with cash via XXXX XXXX and this company could not locate my payment. I have my receipt of this payment. Due to the company not being able to assist me with locating this payment I requested for my account to be closed. Now this company is reporting that I was 30 days late in XX/XX/2020 when my account with this company was closed in XX/XX/2020.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (ND)

On XX/XX/2022, I received a phone call from Wells Fargo phone number XXXX and the person I spoke to claimed they were a Wells Fargo Fraud Protection agent. This person then sent a 6-digit code to my cell phone via text to verify my identity. This is the same process Wells Fargo has in place to verify the identities of their customers, however this time, it was a fraud. I provided the 6-digit code to this person, thinking they were a trusted Wells Fargo representative XXXX This fraudster had now gained access to my account using the 6-digit code sent via text and performed the following activities. This unauthorized person withdrew {$1000.00} from my checking account via XXXX and pulled a cash advance of {$2900.00} from my credit card, transferred to my checking, and withdrew via wire transfer. I submitted a fraud claim to Wells Fargo within 5 hours of the event occurring on XX/XX/2022. As of XX/XX/2022, I was informed by Wells Fargo that my claims were denied and that I was liable for {$1000.00} XXXX transaction, the {$2900.00} cash advance as well as the cash advance fee of {$140.00} plus the interest that has accrued on the cash advance at a rate of 24.24 % APR. Their reason for denying the claims were that I authorized the transactions by providing the 6-digit code to the fraudster. However, my argument is that this fraudster utilized Wells Fargos own identity verification methods against me and I DID NOT authorize these transactions.
Consumer complaint received 2020-06-19
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: FORD MOTOR CREDIT CO. (NV)

I co-signed for my mother for a car with Ford Motor Credit Company. My Mother stopped paying the car and Ford took it and sold it without asking me if I wanted to take over the payments. I wrote many letters to Ford Motor Credit Company about this, I asked them to send me proof of the letter they allegedly send me to take over the payments. They never send me a copy of the letter because they dont have it, instead they send me goodwill emails that I allegedly send them apologizing, why would I apologize? I did nothing wrong, I never had the opportunity to take over the payments. The goodwill emails that I allegedly send to them are false, they were not signed by me. Im very tired of this situation, I hope once and for all you guys send me a copy of the letter that you guys allegedly send me to take over the payments before the car was repossessed or remove this account from my credit report.
Consumer complaint received 2018-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CT)

Received a note in the mail from Transworld Systems , Inc. They claimed that they sent me a letter in the mail about a toll charge that was not paid in XXXX. I never received the letter because they sent the violation letter to the wrong address. I offered to pay the toll charge and they insist in charging me XXXX over the XXXX for not responding on the letter that they mailed to the wrong address. They don't seem to want to accept their mistake. My account with them has been put under dispute. I would pay the toll with no problem but a XXXX violation for not receiving a letter or knowing that my XXXX didn't ready when crossed the toll bridge is unacceptable. When you can them to try to solve the issue they are rude and disrespectful on the phone.
Consumer complaint received 2020-09-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OK)

hello all This may be kind of long, but i'm in need of help. I'm a 100 % XXXX vet and i'm on a set income. i'm also tax except. 1st time home buyer. i bought my house in XX/XX/XXXX and oklahoma state law says that you have to buy your house in XXXX to be except from that year of taxes. so i would have to pay property taxes for the first 6 months i was in my home. so there was XXXX that was put into my escrow. end of XX/XX/XXXX i got a letter from the county assessor for my property tax of XXXX it was about XXXX dollars. i called Mr. Cooper and they told me to scan in or email or fax that paper work from the county and they would take care of it. few weeks went by and i got a check from Mr. cooper stating that was the remainder of my escrow. a few months went by and i kept getting letters in the mail from Mr. Cooper to refinance. so i called them and they were gon na be able to give me half a point lower since i'm a vet and the VA wouldn't approve the loan unless my interest rate goes down. few days from closing, i found out that my property taxes weren't paid. Mr. Cooper told me that i would have to take care of that before we could close. i told them uhh no you were suppose to pay for that out of my escrow at the beginning of the year and i guess they didn't. so they said that they were going to pay the back property taxes. they did but now they are saying that i'm like XXXX negative in my escrow and that i owe them money. they have moved my mortgage payments up from XXXX a month to about XX/XX/XXXX. i told them that i wasn't going to pay that and i was only going to pay what i had signed for. so i kept making my payments and one month they didn't even apply my payment to the loan and now say i am one month behind. these people have screwed me over big time and i don't know what to do. PLEASE HELP ME!
Consumer complaint received 2020-09-18
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: Shellpoint Partners, LLC (TN)

Filed complaint # XXXX Shellpoint / New Rez Mortgage continues to report inaccurate information while taking no liability for their actions only to blame me. To date XXXX is still showing outstanding balance of {$88000.00} and late payments. Shellpoint was paid in full XXXX XXXX in which they denied. Shellpoint stated I still owe to date the money for Insurance XXXX and Taxes  XXXX that they paid on the same day the loan was paid off. Shellpoint has refused to show any documentation proving these payouts were even made. Shellpoint has now issued me a check for {$6700.00} ( see attached. ) while still stating that I owe them additional money. 
How is it that I owe them this money but they send me a check. 
Shellpoint has only now sent me a paid in full letter ( Received XXXX ) while trying to back date it as they did with the original payoff while claiming this was done before but still not reporting it to credit agencies. They stated to me that was my responsibility to report it. 
Once again this is showing Shellpoints inability to show accurate honest accounting practices and timely accurate reporting to all credit agencies. 

Requesting that Shellpoint remove all negatives and outstanding balances from my credit reports.
Consumer complaint received 2023-03-21
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

HSBC ( https : //www.us.hsbc.com/ ) didn't give the right rate for their HSBC Direct 12-month CD I applied for a new HSBC Direct CD on XX/XX/2020 and their web ( https : //www.hsbcdirect.com/cds/ ) was showing the APY rate of 12-month CD is 1.9 % when I was applying for new account. However, their very bad process needs to review the application and finally the account was opened on XX/XX/2020 ( amazing processing speed ). After completing the application, I also called their customer service and their agent confirmed with me that their CD 's opening APY rate is based on the application date, but not the opening date! I think that this rule should be reasonable : because that I agree with opening the CD because of the rate I have seen on the official web ( this is because that no one knows the real rate in the future! ) However, when I saw their first month 's interests and I was surprised. Then, I contacted their live agent ( named " XXXX '' ) who told me that the CD was opened at a rate of 0.8 % ( this is based on the opening date, but not the application date ). Then, why should I open a CD at such a low rate? Because currently their Direct Savings ' rate is still 1.7 % ... The bank 's explanation is completely unreasonable and unacceptable!
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

I was disputing a charge with a card for XXXX and I had a disputed amount on the account. When I paid for most of my balance it did not let me specifiy which account to pay it to. I began accruing interest for a charge I believe was in dispute. I called and asked the bank to remove the interest charge so I can pay it in full. They refused and blatantly showed disregard for my concerns.