davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-07-15
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: WELLS FARGO & COMPANY (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : Also States that a Consumer Reporting Agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I really don't know where to start... but here goes on XX/XX/2022 I opened a savings account with Citizens Bank represented by account # XXXX. The funds to fund the account was to come from XXXX By XXXX XXXX, but I was having a hard time linking the external bank, I kept getting error messages. I then decided to close the account because of all the problems linking. I closed the savings account but for some reason Citizens Bank was able to start the ACH transfer, I do not know how because I never was able verify and link Citizens Bank, they must have used the information from my application to start the money movement. 
When the funds arrive from XXXX, no open savings account number with Citizens Bank, they are telling me they sent the funds back on XX/XX/2022 sender trace # XXXX and receiver trace # XXXX. I waited until XX/XX/2022 to start checking account with XXXX to see if the funds arrived..nothing and today is XX/XX/2022 no {$15000.00}. I also provided the above numbers to XXXX, they are telling me they can not find anything you must go back to Citizens Bank they are the ones that asked for the funds ( {$15000.00} ). My conversations with XXXX, they want nothing to do with this..Citizens Bank has to find your money, nice. 
I am wondering if some type of fraud may have taken place?
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (NY)

XX/XX/2022 at XXXXXXXX XXXX I got a notification saying that I had a HARD INQUIRY from American Express. I never applied for American Express or had any dealings with them. I would like this removed from my credit report. And if possible can I find out who did it?
Consumer complaint received 2022-07-15
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. (FL)

This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.
Consumer complaint received 2022-08-08
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. (GA)

XXXX submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-08
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I discovered that credit returned on my credit card for the total of {$2100.00}, XXXX had disappeared so I contacted Bank of America and they said my money had been sent to unclaimed credit. I spoke with XXXX or XXXX in the unclaimed credit department on XX/XX/XXXX who put in a request to send me a cheque with my remaining credit balance. They said that it would take 8-10 weeks to receive my cheque in the mail. On XX/XX/XXXX I received a letter in the mail here in XXXX, XXXX requesting to sign for release of my funds. I signed it and sent it to the Bank Of America headquarters. I then spoke with Bank of America on the phone about this and they stated that they would now proceed with my request to release my funds to me. After just over 10 weeks on XX/XX/XXXX I requested a call back from Bank of America to determine an update on the release of my funds. They had not even processed the release or sent me my cheque. The customer care representative XXXX put in a request to expedite my request. On XX/XX/XXXX after I received an email requesting to update my address ( that they already had on file from when they sent me the release of funds letter ) I called again for another follow up and spoke with XXXX who informed me that my cheque had still not been sent and that he would send me another letter to sign for permission to release my funds. He told me that there could be an issue with my foreign address, but yet I have been trying to get my own money from Bank of America for over 3 months now and it seems as if no one has even worked on my case. I would now like this matter to be taken further. The customer care representatives have been wonderful to deal with over the phone. I do not believe that the incompetence is on their behalf. I believe it comes from the head office.
Consumer complaint received 2022-07-15
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-15
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (GA)

Credit is defined by 15 USC 1602 ( e ), as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card online via Discover Bank on XX/XX/2022, a consumer credit transaction was completed and Discover Bank denied me credit. The denial by Discover Bank discriminates against my rights as a creditor, which also violates 15 USC 1691 ( a ) ( 3 ).
Consumer complaint received 2020-11-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (NY)

DEPT ED/NAVI {$1600.00} DEPT ED/NAVI {$2200.00} DEPT ED/NAVI {$7000.00} DEPT ED/NAVI {$3900.00} DEPT ED/NAVI {$4600.00} DEPT ED/NAVI {$2600.00} XXXX {$1300.00} Fraudulent student loans were acquired in my name. Im a first time home buyer. I just found this out last month on my credit Report. These have. Even hurting my score for some years now. In which I had no knowledge. 

XXXX is also a Fraudulent account that was acquired in my name. Now knowledge of this XXXX XXXX Account.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXXXXXX XXXX XXXX XXXX -- XX/XX/XXXX No response XXXX. XXXX XXXXXXXX -- XX/XX/XXXX No response XXXX. XXXX XXXX XXXX -- XX/XX/XXXX Send letter XXXX. XXXX -- XX/XX/XXXX Call no response XXXX. XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX to my wife. 
XXXX XXXX  XXXX XX/XX/XXXX XXXX to my wife. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Going to court XXXX. XXXX XXXX -- XXXX Close the count XXXX. XXXX XXXX XXXX -- XX/XX/XXXX XXXX the Countdown. 
XXXX. XXXXXXXX XXXX XXXX XXXX -- XXXX Close the account
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the fair credit Reporting Act Transunion is violating my rights I have tried to reason with them to remove the following inquiries removed according to the law Section 604 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NY)

On XX/XX/2022 I opened a checking account and a savings account online with a balance of {$50.00} in each account. 
On XX/XX/2022, the bank sent me a letter saying that the accounts were closed. 
On XX/XX/2022 the bank sent me a welcome letter for both accounts with a bank statement and a debit card. 
I have called the bank three ( 3 ) times to find out whats going on.

I wasted an hour+ with their representatives who will not release my funds to me even though they have closed the accounts. 
Theyve stated that they closed my account over concerns with my ID even though I successfully complied with their ID protocols and they sent me emails with my account numbers, saying that the accounts had been opened successfully on XX/XX/2022. 
Now, the bank will not refund my funds to me even though they have closed the accounts.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 I used my Chase Bank credit card to make an online purchase from XXXX XXXX XXXX for {$1400.00}. A few days later, i noticed that the tracking number was marked delivered, but I never received my order. I first reached out to XXXX to resolve the issue but was met with extreme resistance. I subsequently contacted Chase to dispute the transaction, only to be placed on a merry-go-round. Chase then contacted me and said that " because there is a tracking number, we can not resolve the dispute in your favor. '' I tried to explain that tracking numbers could not be used as proof of delivery without reasonable doubt, and that it was foolish of the merchant to not give strict delivery instructions to the courier based on the high value of the order.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i have provided proof to the lender and XXXX of not only my payments but over payments as well to close out my account and i was sent to collections for a charge off amount of XXXX $ when my account had been way more then paid off by my insurance company due to a total loss.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

In XXXX of XXXX  my checking and credit account were closed by Wells Fargo due to fraudulent activity. I reported fraud and was a victim of fraud so Wells Fargo closed my account. I still had an unpaid balance due on my credit account. When my account was closed I was unable to make payments online through the app. As a result, I tried to make payments through the phone and was told by the representative that they could not access my account because it is closed and I would have to go in person to a branch to find a way to make a payment. I went to the branch in XXXX  XXXX, CA and was essentially told the same thing that I was unable to reach this closed account. I continuously tried to find a way to reach my closed account and make my payments both in person at branches and over the phone but unfortunately was denied. The unpaid balance kept weighing on my credit account in which I eventually disputed and it was removed but now after time it appears on one of my credit reports again ( XXXX ). Can I please have this removed from all credit reports as I was a victim of fraud and should not be penalized via my credit report.
Consumer complaint received 2024-01-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC (TN)

I took out a loan from direct loans. It has been almost a year and I still have not received all of the funds from the loan. I keep getting the runaround Everytime I call. They are unwilling to help entirely or they say they can't find any information on my loan. Every employee I talk to is either intentionally unhelpful or completely has no idea what they are doing. I
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (TX)

My credit has stayed the same for 3 years. I've attached the credit tracker below. 
I have had 100 % payments and < 5 % credit utilization and my credit wont raise at all. 
Then my credit keeps dropping around XXXX points and then raising back the the same level as it was before with no issues on my credit report. Its happened numerous times. I've contacted Experian multiple times regarding this issue and they even looked at my credit report and see no issues or new negative reports on my credit but won't give me any information as to why my credit keeps dropping and then raising back up to the previous credit score with no new issues with my credit report. They tell me to contact a financial advisor but a financial advisor wont be able to tell me anything because theres no changes to my credit report. Just a score that keeps dropping. I brought this question up to experian just today and they said that they can't help with that. I believe that I'm being discriminated against due to being XXXX american. Because if my credit can drop randomly and raise back up to the previous level numerous times with no explaination or issue with my credit report, there's literally no way for me to solve the problem. And for a credit score to never increase despite numerous years of 100 % payments and <5 % credit utilization, there's no way for me to ever use credit in the future. 3 years is a long time for no change.
Consumer complaint received 2024-01-25
Product: Credit 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: SYNCHRONY FINANCIAL (TX)

I have a mastercard from JCPenney issued by Synchrony Bank. 
I traveled overseas back on XX/XX/2023. I was robbed and immediately reported my card to them letting them know it was stolen. This was on XX/XX/2023. The next day 2 big charges were done in my account. I called them so many times and they just give me the run around between customer service and the fraud department. They never removed the fraudulent charges. 
They have only replace my card like 2 times. 
On XX/XX/2023, 2 big charges were made of {$2600.00} same amount plus international fees of {$78.00} also 2 times. 
Thanks in advance for any help or advice XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
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. (FL)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (PA)

I got a great job got a credit to help out just in case I was making payments on my card lost a family member and loss my job due to my attendance at work they close my card out and its been affecting my score I want to start out fresh now I understand and can manage my money better
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IN)

I have applied for the SAVE plan 4 times, and each time my servicer has calculated my payments too high. I have verified each time with the customer service representative what my payment should be, but when I receive the paperwork with the new amount it is usually {$100.00} more than the simulator says it should be. I do not feel they are taking into account all of the information on my application.