davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
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 appreciate the effort made to remove some of the fraudulent items from my file attributed to an alleged identity theft. However, there are still remaining items that require attention. This marks my second complaint regarding identity theft victimization, and I have submitted it to dispute the inquiries in my file resulting from the crime. I have attached my new FTC report # XXXX for your reference. The inquiries I am disputing are unrelated to any transactions for goods, services, or monetary exchanges authorized by myself. Please expunge the reporting of these inquiries from my credit file, which resulted from the alleged identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX  These inquiries are unfamiliar to me. Moreover, the information provided on these inquiries has been deleted from other bureaus, raising doubts about their accuracy. The reported history dates of these inquiries are also unknown to me. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I request their removal.
Consumer complaint received 2022-07-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (IL)

I pay XXXX  to monitor my credit and I have worked hard to improve my credit based on their recommendations. However, when I apply for credit cards they provide me with a totally different number. Each organization has different scores, XXXX  has me a XXXX, XXXX has me a XXXX and XXXX has me at XXXX. Even my bank which I have a credit card with is showing XXXX at XXXX. I have disputed and wrote letters and they are still all different with different information. I decided to apply for a credit card with XXXX and they have me at XXXX based on XXXX  score. I sent this letter on XXXX to JP Morgan : Reference number : XXXX To whom this may concern : I recently applied for an XXXX XXXX XXXX XXXX Account and I feel the decision was based on the wrong reason ( s ). 

I have worked hard to improve my credit and my total score you provided was XXXX when my XXXX  score is XXXX. 

I have zero collections on my account and no charge offed accounts I do not have recent delinquency, public record nor bankruptcy My bankruptcy is over 9 years old and will come off in XXXX of XXXX None of my credit cards are over limit I will be contacting XXXX, XXXX  and XXXX  with this decision along with alerting the Bureau of Consumer Financial Protection surrounding the discrepancies. 

Again, Im working hard to improve my credit and like someone to contact me surrounding this decision. 

I don't feel it's fair that I'm working so hard however no one is on the same page.
Consumer complaint received 2021-03-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/XXXX I used the website of my Citizens bank to transfer money from two of my other online bank accounts to my Citizens account. One transfer was for {$500.00} from XXXX. ( XXXX  ) to my citizens account, and the other was for {$1300.00} from my XXXXXXXX XXXX ( XXXX XXXX XXXX ) to my Citizens account. On XX/XX/XXXX Citizens has stopped both of these deposits from going into my Citizens account, and since then, the funds have not been returned. As of right now both transfers aren't in any of my accounts, and the money is missing.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I paid my collections account thru XXXX. They sent requests to all 3 credit bureaus. All but one took it off my report. Transunion still has it on my report. What can I do? I care about my credit report. 
Thanks so much
Consumer complaint received 2020-09-10
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. (NC)

On XX/XX/2020 I attempted to contact customer service to dispute fraudulent / unauthorized information on my credit report to be told that this information could not in fact be disputed. This is unethical and should be investigated by the CFPB, these inquiries have a negative affect on my credit report and will result in possible denial of future credit and or loans if needed due to the financial hardship of COVID-19. I wish these inquiries to be disputed. 

Following inquiries are fraudulent and unauthorized XXXX on XXXX/XXXX/2020 XXXX on XXXX/XXXX/2020 XXXX XXXX XXXX   on XXXX/XXXX/2020
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

Hello, I have a Private Student Loan through Navient. I am paying XXXX dollars a month at a high interest rate. I have tried repeatedly to lower my monthly payment and they have been no help at all. They advertise monthly income rates, and have not allowed me to apply. I feel that the information they have given my family has been vague and misleading.
Consumer complaint received 2022-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX I sent in disputes letters and file on cfpb and I have not had a response by mail from EXPERIAN, XXXX nor XXXX. I don't understand what's been going on with my claim but I want a response please by mail. Each account needs to be deleted due to the fact that I have not heard anything about the initial disputed items from the report.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (DE)

Navient cheated me out of my rights to lower payments by deceiving me and not giving me the best interest rates and payment plans. Navient has not given me a fair chance to pay back my student loans. At every stage of repayment, Navient chose to shortcut and deceive me to save on operating costs. Navient failed to correctly apply payments to my accounts ; steered me into paying more than I had to ; and hurt my credit by misreporting to the credit-reporting agencies the status of my loans.
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc. (FL)

Hopefully this situation can finally be rectificed. Theres an account currently owned by NAR. That has continued to be reported on my XXXX  credit report. This is not my account. i initally reached out to XXXX XXXX who advised me they purged their records and have no record of this account reporting. I was told that XXXX owns this account. THE ACCOUNT NUMBER IS XXXX {$1300.00} PLEASE REMOVE THIS ACCOUNT, IVE EMAILED THIS COMPANY AND RECEIVED NO RESPONSE, OR RESOLUTION. I HAVE ATTACHED AFFIDAVIT AND POLICE REPORT.
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NM)

My loan mortgage was purchase by OCWEN and its been the worst ever. Today I got a letter/statement saying my mortgage payment was going from XXXX to XXXX due to Escrow Balances and taxes going up. I called them and all I was told that they were sorry and that they could send me form based on approval to lower my increased by 2 % and I 'm paying 10 %. I wanted a refinance but they would not do that no reason given. I 'm retired and I can not afford any more increase on my mortgage this has been the worst ever. Please help
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Kenneth E. Davidson, Attorney (CO)

Has threatened me with my IMMEDIATE ARREST. This debt collection attorney has stated that a bench warrant is PENDING and it was going to be UNPLEASANT FOR ME. 

I AM A XXXX VETERAN. I have XXXX AND A XXXX XXXX XXXX. This situation has caused undue stress and hardship on me.
Consumer complaint received 2024-01-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (TN)

On XX/XX/ I got an chime text alert asking if I was trying to make a purchase through someone in XXXX XXXX, and I answered " NO '', the chime reply said no money was taken out my account and the person was blocked. I checked my card, money did come out my account for XXXX, XXXX ( x3 ), and XXXX, so I called chime support, the agent looked over the charges and I stayed on the phone while he worked on reversing each transaction putting money back on my card. At the end of the call the agent said the merchant was blocked and won't be able to access the card again. The very next day the same transactions came through on my card taking money out my account, I call chime again on XXXX XXXX this time they tell me that I have to file a dispute and they confirmed that my card had a block for this merchant from the previous day already so this should not of happen. I do the dispute with agent over phone, they say it could take up to 90 days, they email me the same information, but later on in the day denied my dispute. I tried to make a purchase this morning on XXXX XXXX  it's declined, I look at my account and it shows that Chime disabled my card and requested another one without my request and without informing me. My original card was linked to my instant payouts for my jobs, and where my main money goes, so now I have to miss a few jobs because I don't physically have a card to transfer to and get the money. I call chime again on this date, they say there's nothing they can do and that for a fee I can send cash to XXXX to pickup. Not only did they deny my dispute that previously reversed the unauthorized transactions the previous day on, but they allowed them to happen again, inconvenienced me even though my card is not supposed to allow international transactions, closed my card, they want me to pay fees to get my money , drive across town, and wait until XXXX XXXX to receive another card. They failed to refund unauthorized charges, placed blocks or holds that prevented nothing, hidden fees, account errors, and take it upon themselves to process requests without the consumers knowledge leading to them having to miss work.
Consumer complaint received 2023-04-05
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. (GA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-03-07
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I can not pay with my debit card to pay monthly payments. It requires a checking account number and routing number. Check have become obsolete. I gotten hit with multi late fees because I move money from bank to another. I feel this is done to make it difficult for a customer and get charge with a late fee. I asked to have XXXX waive. I thought I paid my card in full. I had a XXXX balance I was going to get hit with another late fee. I was told no. I ask the agent twice to have a manager review my request. Then the windo chat was disconnect.
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TX)

I made a payment to XXXX at XXXX XXXX  and it said it will be available in 30 MINUTES, it is now the next day and my family still hasn't been able to get the money their in desperate need of. I called and that day and all phone lines where busy. I called the next day and an agent was rude to me getting straight to the point and rushing me and not even asking if I need anything else, at the end of the day my money has still not been sent.
Consumer complaint received 2022-07-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FC HoldCo LLC (MD)

So i had found out that my contract was fraud do to the lack of full disclosure and that also i participated in a credit consumer transaction and i did not have to pay it back. After i found that out i sent in a money order for full satisfactions and they never reported the amount to my balance. then i sent out a debt validation to they never aswered that when i sent it to them directly. when i sent a debt validation through experian electronicly they responded that way. But they did send the full contract the bottom was cut off and was no signatures. then i sent in the Right of Recissions and they are now harrassing me through another company which you will see through the upload of documents. they also violated the TILA by asking for a down payment.
Consumer complaint received 2020-01-19
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. (IL)

TransUnion reported a 30 day late payment from XXXX in XX/XX/2019 and used this to lower my credit score by 120 points. My score dropped from over XXXX to XXXX. XXXX since has rescinded the information and has updated all the credit bureaus. TransUnion now shows all payments on time with XXXX. No other issues on my credit report yet they still show my credit score at XXXX now into middle of XXXX. Their low score based on the missed payment is still reflected even though the payment was updated to by XXXX as not. TransUnion does not provide any means to understand why they lowered my score by over 120 points for false report and then not at least update within a comparable amount once it is removed.
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (TX)

I contacted XXXX, XXXX, Experian in regards to unauthorized, inaccurate, and unverifiable information, inquiries and accounts on my report. They refused to assist me in the accurate investigation of these cases when I filed disputes with them, some they wouldn't help me dispute at all. In accordance with the fair credit Reporting Act XXXX, XXXX, and Experian have 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 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C, Accounts : XXXX XXXX XXXX Texas, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX. also several inquiries from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MA)

On XXXX XX/XX/21 Wells Fargo closed my checking account. They reason is that the address information Washington not updated, but it has veen updated in all XXXX accounts. They send me a check for the total amount {$51.00} to my address where they always send me my correspondence and I do receive it. Nevertheless, I never received that check. 
Since XX/XX/XXXX until now, I tried by phone to resolve this inconvenient but they have no answer for me. I called to the bank three times a week, even I went to the banks office in XXXX, and they doesnt give me an answer. I dont know what more to do, that its all my money. Im desperate!!!!

Today they told me again that I have to wait 10 more days to have an answer.
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX Bank of America # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX This short sale was started XXXX/XXXX/16 with Bank of America. XXXX of the homeowners is XXXX XXXX military. It was only sent to the XXXX department towards the end of XXXX. WHY? Why did Bank of America wait so long to place this loan in the correct department? 

In addition, Bank of America has told us that they will foreclose on an XXXX XXXX service member XXXX. They claimed they could not postpone the foreclosure sale date without a short sale approval. I spoke again with XXXX XXXX today, told him that this is an XXXX XXXX service member and it would be an SCRA violation to foreclose on this property. He said he could do nothing except tell the negotiator assigned, XXXX XXXX. 

Since when is a lender allowed to foreclose on an XXXX XXXX service member XXXX?? 

Thirdly, we are not able to contact the negotiator directly. The information given in equator is invalid, and we have no way of reaching them by phone.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NV)

Multiple charges of 2 towns or coins in amounts of XXXX XXXX and it showing no amount and where it went to. Also an account that is not accessible that show transfers were made. Downloaded the state logs and it does not match the transactions that show. This is Coinbbase and COINTRACKER. The tracker can edit transactions as well. Have informed the company Coinbase that my account was hacked and all they did was tell me to make a new account. Had sent 25 usd to the account a few times and then it was gone. So now the account being used is negative in balance not of my doing. This is frustrating because not only has one company screwed me its multiple. Account statements have disappeared from XXXX with banks and internet financial technology companies. Someone is ripping me off.
Consumer complaint received 2021-03-27
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: CITIBANK, N.A. (CO)

Hello, I made a payment to my Home Depot credit card owned by Citi Retail Services for XXXX it turns out I made for XXXX. The next day I found they lowered my credit limit to XXXX so when I went to reserve the payment of XXXX it would have put me over limit. Come to find out Citi Retail Services had been pulling my credit report with out my permission to obtain new information about me. I would like to state for the record I did not give this authorization and they should have not accessed my credit report, even if it was a soft pull. In calling they would not help me, one person hung up on me I asked them to fix the credit limit issue then the payment they would not. They stated they will try and reverse the payment however it will just put me over limit, please keep in mind this took place over 3 days.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX ; XXXX  XXXX Balance : {$13000.00}.
Consumer complaint received 2017-01-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

I have had my loan for 11 years and somehow still owe XXXX more than what was distributed ... I 'm currently on a payment plan and keep getting noticed that I 'm behind this is out of control