davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  Report Date : XXXX XXXX, XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed 1 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$2700.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX XXXX XXXX  Report Date : XXXX XXXX, XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type XXXXREDIT_CARD Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$2500.00} High Credit {$2800.00} Available Credit {$2500.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Balance details 0 % of this account is paid off Balance on XX/XX/2022 {$210.00} Original balance {$210.00} Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 Payment summary 2022 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX-
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I've mailed in a dispute to update my personal information. I requested to have wrong names, addresses and phone numbers removed. My name has been updated along with the removed phone number and my CURRENT ADDRESS. The inaccurate addresses still remain on my profile after Ive requested for them to be removed
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

I was in the process of refinancing my property for my daughters education when I found that my credit report showed recent consecutive late payments regarding my account XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As soon as I became aware of this fact I immediately contacted customer service. It was then I learned that due to a bounced check in XX/XX/XXXX, all ACH draws were stopped. I was shocked and horrified and I immediately paid the balance in full. I asked why I was never informed about this ; the representative said a letter was mailed. When I explained that I never received this letter, the representative checked and together we discovered that the address on file was incorrect ; this is why I never received the letter. In addition, I sincerely had no idea that an ACH draw could be canceled by anyone but me. I have all my bills set up to for auto draw, and indeed when I checked my bank account I saw the balance was extremely high because funds were never debited. I had any knowledge of this bounced check or cancellation of the ACH draw, I would have addressed it immediately. My credit report shows that over the past seven years ( with the exception of XXXX/Loancare ) I have paid every creditor on time and never missed even one payment ; for a total of 354 payments. Ive spent my entire life building my credit. To this very day, I have not received any documentation indicating there is a problem with my account. Only for my attempt to refinance my home for my daughters education, I would still be unaware. The purpose of my correspondence is to request a " goodwill '' adjustment due to the resulting hardship on the reporting of this account to the three credit agencies. I do recognize that this request is unique and that it may not be XXXX normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account reported to be done so accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I 'm hoping/praying/begging that XXXX will do this in my case. If XXXX does not, my credit that I have worked so hard for all my life is gone. I went from XXXX+ to XXXX and it will take seven more years to build it up again. Even more devastating, I will not be able to refinance my home ; I am a single mother, I have nowhere to go and no one to turn to for my daughters school fees. This would create an extreme hardship for our little XXXX person family and it will change the course of her life forever. We will not even be able to pursue an affordable financing arrangement because my credit is so bad. My only option is to sell my old car but I need this vehicle to get to work every day. Im in a complete panic and this experience has left me traumatized. I 'm hoping you might review the circumstances and consider a good will adjustment in light of the resulting hardship.
Consumer complaint received 2021-06-03
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. (SC)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. I have waited over 45 days and still have not received a response yet, I feel like I am being taken advantage of and being ignored of the disputes I sent in. According to section 611 ( a ) FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THESE ITEMS FROM MY CREDIT REPORT. It has been over 45 days so they should be removed promptly. I demand these accounts be deleted from immediately or I will file litigation due to the stress of my livelihood you have all caused me. My information was also impacted by the Equifax Data Breach and may have got into the wrongs hands. Thank you for your support.
Consumer complaint received 2018-08-23
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: SYNCHRONY FINANCIAL (MI)

In late XX/XX/XXXX I filed for bankruptcy. My lawyer filed on XX/XX/XXXX. At the time I was not late with any creditors. My chapter XXXX bankruptcy was discharged in XX/XX/XXXX. In XX/XX/XXXX15 creditors suddenly marked my credit history as being 90 days late. I filed disputes with all three credit agencys. 7 of the creditors realized their mistake and removed the negative remarks on my credit reports. The remaining 8 creditors did not remove the inaccuracies. I filed complaints with each company and contacted each company. In XX/XX/XXXX I contacted XXXX. The agent at XXXX confirmed that all 8 creditors had wrong information listed on my credit reports. They all listed me as being never late. But each creditor lap showed me as being 90 days late but not 30 or 60 days late. XXXX  said the information was wrong and contacted all 8 creditors on my behalf. The creditors response was to remove all history of me making on time payments and changing my history from XX/XX/XXXX being 90 days late to XX/XX/XXXX pate late. Again this is incorrect information again.

The creditor are XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. SYNCB Walmart. XXXX XXXX
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NC)

Our credit cards Chase Marriott and XXXX have been compromised our identity has been stolen we had a fire and a flood and victims of rand some ware - I reported the fraud and the company issued temporary credits and now says they are re instating all the fraudulent charges - while the merchants and vendors may have valid purchases - we did not authorize and our cards we thought were destroyed in fire and flood and then our computers were rand some ware and our e mail and phones hacked we have taken extraordinary steps to protect our selves we have been customers of chase for over two decades and we expected to be serviced and treated with respect and dignity we were n't we did not know what to do and we did n't realize all of this was going on because we were trying to rebuild from a flood and fire and then all the electronic fraud please help us resolve problem we were n't made aware from Chase that we needed to provided proof of anything then they call to say they are reinstating the enormous amount of charge which are fraud back to our credit card accounts - i do n't ' know what to do i cant ' pay back what was n't ours in the the amount of XXXX????
Consumer complaint received 2022-08-01
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. (CA)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX Balance Owed : {$1500.00}
Consumer complaint received 2022-10-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I have an XXXX XXXX Citibank credit card. While on the internet, paying my CC, I received an ad for a Citibank XXXX XXXX account. Since, I have the CC I decided to open a savings account with them. On XX/XX/XXXX, I applied online, and opened a savings account with Citibank, and transferred {$3500.00} into the account. Everything seemed ok with the account so far. On XX/XX/XXXX, I deposited another {$2000.00}. I checked my account on-line on XX/XX/XXXX and everything was still OK. I was planning on making another deposit on XX/XX/XXXX, when I noticed that they had blocked my account. When I called the number on the back of my Citibank card they informed me that my account was under suspicion to be a fraudulent account. They wanted me to send proof of funding, my drivers license, and a utility bill with my name and address to XXXX, which I did. I have been on the phone with them more than 9 times since my account has been blocked. I have been asking to speak to a supervisor or manager to clear this up. They take my phone number and inform me that a supervisor is not available at this time and they will put in a request for a call back. I wait, and wait, NO CALL BACK. I call again and get the same run around. Now, I visit the Citibank website, I log in, pull up a current statement and see that my account balance is {$1.00}. On XX/XX/XXXX it shows a OTHER DEBIT amount of {$5500.00} subtracted from my account. I keep trying to have my account unblocked, but to no avail! I do not know what else to do? They are getting away with stealing thousands of dollars from who knows how many people. PLEASE HELP!!! I have contacted my banking establishment and they have closed the claim stating that the funds where transferred and excepted. There is nothing they can do about it.
Consumer complaint received 2022-07-25
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: Chime Financial Inc (FL)

I was at work on XX/XX/XXXX when I was notified that {$160.00} was debited from my account and another {$100.00} was denied at a XX/XX/XXXX gas station in XXXX XXXX, Fl. This occurred at XXXX. I was at work in XXXX, Fl at the time I immediately checked if I had the card in my possession and I did I called Chime to report the fraud. As soon as they transactions cleared they said they investigated and there was no fraud. I was a victim to fraud and they are acting like I'm the scammer. I work hard for my money and it's only {$160.00} but it's the principle at this point if I had {$1000.00} in there like I sometimes do my account would be gone with no protection.
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: HILLTOP HOLDINGS, INC (TX)

I was in forbearance with Prime Lending for XX/XX/2020 - XX/XX/2020. I was caught up on payments until I was approved for forbearance. I received a letter from Prime Lending dated XX/XX/2020 stating my forbearance would be ending soon. I sold my home on XX/XX/2020 and received a subsequent letter dated XX/XX/2020 from Prime Lending saying my loan had been paid in full. I received a notice my credit score had changed and I see there was a report made on XX/XX/2020 from Prime Lending for a delinquent account. I reached out to Prime Lending on XX/XX/2020 and was told that I would need to reach out to the credit bureau to fix the issue or I could submit a letter to Prime Lending with a copy of my credit report showing the error.
Consumer complaint received 2022-08-01
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. (CA)

I am writing to you in hope that you may be able to help me, I have been trying to get Inaccurately reported information remove from my credit report that is being sent in from XXXX  XXXX XXXX. 
XXXX  XXXX XXXX has reported to the three-credit bureau 's ( Experian, XXXX, and XXXX ) XXXX and misrepresenting claims, I have sent in dispute letters to the credit bureau 's , showing that this is derogatory information and to no avail XXXX  XXXX XXXX still sends in misrepresenting and derogatory information, I respectfully request that this misleading information be remove from my credit report under the fair credit reporting act.
Consumer complaint received 2018-10-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

We opened a basic package saving account in citi and were told a minimum XXXX balance should avoid the monthly charge. After two months we found every month we were charged XXXX, then bank said you opened an golf XXXX minimum balance package. If our experience is true, the error is intentional and systematic like XXXX XXXX, try those clients who would not notice their day to day fraudulent behavior.
Consumer complaint received 2018-10-24
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (CA)

I went to the XXXX XXXX dealership on a Saturday a few weeks ago to get aXXXX XXXX XXXX  XXXX. They didn't have the options I wanted and called another dealership that had the VIN of a car that matched my specs and negotiated a swap. XXXX XXXX had me fill out the paperwork for that VIN and told me they would get me the car the next morning. They then submitted that paperwork to XXXX XXXX even though the car was not in their possession. Sunday came and they were not returning my calls asking what was going on. Finally, at XXXX I got a call back that the other dealership sold that VIN already but they found another match at another dealership to do a swap with but would have to come back in and sign more paperwork. Frustrated that they had lied to me and wouldn't return my calls all Sunday I told them to cancel the deal as it was invalid anyway. I am receiving bills though. I contacted XXXX XXXX and they claim they can not do anything. I have an open case with their Customer Care department which has not done anything for 3 weeks. I contacted the dealership directly and have emails from their finance manager who created my deal saying they would resolve this more than a week ago. I  called XXXX XXXX again today and was told I'm in collections because my bill is past due. I called Customer Care today and talked to a supervisor and this has been escalated to a national office, but I can not contact my case manager and have not heard from them. I have to wait and hope that they actually contact me themselves.
Consumer complaint received 2022-04-25
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. (MS)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account Number XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXXXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number 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 an account without my written instructions
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

Step 1 : What is this complaint about? 
fraud or discrimination or both Step 2 : What type of problem are you having? 
bank asking for personal information, ssn, when making a deposit Step 3 : What happened? 
XX/XX/2018 I went into usbank to deposit money into my sisters account. 
The teller said he needed my ID and I can only deposit upto XXXX. I gave him my ID and XXXX. He started inputting info into his computer. Then he asks me for my social security number. I asked why, he said it was their policy. I didnt understand this, as he already had my drivers licenes. So I called my sister to tell her what her bank was asking for and that I am not going to give it to them. While on the phone with my sister he then asks for my annual income and occupation. I said I am only making a deposit, I am not asking for anything else. The bank teller said it was policy. I then took my money and left. 
I feel as if the bank teller was either being discriminative or he was tring to open some kind of fraudlent account. 
A couple days later I contacted usbank on XXXX, I asked what their policy was on a non accouny holder depositing money for an account holder. They replied, I would have needed the acctount number, which I had, and that it can be upto XXXX. 
I then replied to them what happened at one of their branches. They then changed their story and said that the teller can ask for anything they want. 
My sisters called the customer service line and were told that the teller should not ask for any of that information when someone is making a deposit and to call the local branch. 
So here I am, writing a complaint hoping something will be done about this bank treating people like they are criminals or being a criminal them selves and getting away with it. 

Step 4 : What company is this complaint about? 
usbank
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (CA)

As a consumer I am aware of certain rights I have that are protected by Congress under the Fair Credit Reporting Act ( FCRA ). 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXXXXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MD)

I was not the main account holder with XXXX and all devices were returned This has been on my account for 5+ years and when I did try to speak with the debt company, I was given different amounts on 6 different occasions which was suspicious with me. When I called them  back a few months later, the website was up but the numbers were disconnected and I could never get a real person on the line. My credit has gone down because the company is re aging this debt and treating it like a brand new account.
Consumer complaint received 2018-10-24
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. (MS)

The following information is incorrect and should be either corrected or removed from my credit file. 

XXXX XXXX - incorrect name, XXXX XXXX XXXX - ( all accounts are suspected to be fraud ), XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud ( 2 accounts ). XXXX - fraudulent inquiry, XXXX XXXX XXXX - inquiry.