davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
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. (CA)

Please reverse the late payments reported on the following accounts : US DEPT. OF EDUCATION/XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2015-10-15
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO. (MO)

In the first week XX/XX/XXXX, a representative from XXXX phone me and advised that my insurance policy was schedule to be re-new beginning XX/XX/XXXX and there be an increase in my premium because I had a small auto accident within the past year. She quoted me a price of maybe a {$25.00} a month increase. At that time I also informed her that I would be moving from XXXX into the city XXXX XX/XX/XXXX. She quoted me a price of {$450.00} to be insured in the city and I immediately told her to cancel any further service at that time. I went on vacation XX/XX/XXXX after moving into my new resident. I made a lot of debit and credit card transactions and did n't realized that XXXX Insurance company had charged me a premium XX/XX/XXXX after I cancelled their service. The next month while checking my account, I discovered that they had taken another payment out XX/XX/XXXX and I immediately notified my bank and filed for reimbursement after I talked to XXXX by phone. They agreed by checking the initial conversation entered into the system that I cancelled the policy and that the representative did not enter the appropriated information into their system to stop payment proceedings. They agreed to refund my payments. I choose to go through my bank and pay the fees instead of waiting for XXXX. XX/XX/XXXX I received a letter from XXXX insurance that I owed them {$470.00}. I called them immediately and I was told XXXX to emailed documentation that I was insured XX/XX/XXXX which I did. Last month ( XX/XX/XXXX ), I received a phone call from a collection agency stating that they were representing XXXX and that I owe them {$470.00} and did I want to dispute the charge. " I said yes '' I thought the matter was resolved. I checked my credit report yesterday and XXXX has this charge reported as in collection. It 's unfortunate that companies like this think that it 's ok to collect or banger the public for monies they did n't earn. From my understanding and my initial phone conversation with the XXXX XXXX, it was understood and determined per her records that I did indeed cancel my coverage with them in due time.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

XXXX Wednesday XX/XX/XXXX, XXXX {$100.00} Dispute # XXXX I did NOT purchase anything from XXXX. Although, I have a transaction on my credit builder card that I did NOT make. I never got an email saying I made a purchase, nor did I receive anything from XXXX  NOR do I have a need to buy anything from them. When you make a purchase from a company, they send a receipt. Well, I don't have one because I did not make this transactions. Chime keeps asking me for proof. How can I have proof of something I DID NOT PURCHASE! a purchase I DID NOT MAKE! 

I have reached out several times for this issue to be fixed and they will not help. They are not doing their job. All they have to do is get their IT professionals and see where the purchase was made. I guarantee it was not made from my computer or phone. This is not the first time this has happened. This bank is horrible with their fraud department, and I will be switching banks as soon as I get my money back. 

There were actually two transactions back-to-back which is an obvious sign of fraud. Luckily, the second one was denied. It happened again yesterday XX/XX/22 a transaction was trying to post but luckily it was denied. 

I just want Chime to do their job, actually investigate, see that it I didn't make this purchase and give me my money back. This has taken up so much of my time and I want it to be over!
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

XXXX, XXXX XXXX Experian have modified credit reports & reported inaccurately for 6 months my credit score & BALANCES - My score was over XXXX in XXXX & several lenders are not reporting on time or accurately
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (GA)

Consumer Financial Protection Bureau Subject : Complaint Regarding Collection of Discharged Debt by XXXX XXXX sold to TSI To Whom It May Concern, I am writing to file a formal complaint against TSI and XXXX XXXX regarding their unethical collection practices related to a discharged debt. I received an IRS Form 1099C Cancellation of Debt copy B from the Corporate office of XXXX XXXX, indicating that the debt in question had been discharged. I have attached a Copy B of the form for your reference, with sensitive account information redacted.

Despite the issuance of the 1099C form, I discovered that XXXX XXXX continued to show the discharged amount as owing, along with accruing interest on the account. Numerous attempts to resolve this matter directly with XXXX XXXX have proven futile. Upon contacting their customer service, I was repeatedly redirected to their XXXX XXXX XXXX team based in XXXX, where I encountered a supervisor denying the existence of a 1099C form and engaging in unprofessional behavior. 

Subsequently, I reached out to the Corporate Secretary XXXX XXXX, who advised me to contact the Chairman XXXX XXXX XXXX. Despite my efforts to escalate the issue and seek resolution, I received no response from the Chairman. Additionally, attempts to address this issue with the Comptroller and the Federal Reserve have yielded no satisfactory outcome. 

Most concerning is the recent revelation that XXXX XXXX has sold the discharged debt to Transworld Systems Inc ( TSI ). This action is not only unethical but also violates established legal and financial practices. It is unacceptable for a debt that has been declared discharged to be sold to a collections agency. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against XXXX XXXX for their egregious conduct. I seek resolution and restitution for the undue stress and financial burden caused by their unlawful collection efforts. 

Thank you for your attention to this matter. I look forward to a swift and favorable resolution.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I contacted Fifth Third customer service on Monday and finally was able to reach a representative on Tuesday. I described my dispute situation and she said that she was going to go on hold to file that dispute. On hold, after listening to horrible and glitchy hold sounds, the call ends with no resolution after being on hold XXXX minutes. Ever since I have been trying to reach the company through multiple numbers with XXXX minute wait times until I realize I dont think anyone will answer. Not sure what is happening in the Fifth Third Customer Service section, I just know it isnt much. Honestly considering moving banks, a specially if this issue is never resolved.
Consumer complaint received 2024-03-08
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: CBC Companies, Inc. (CA)

Not a duplicate request! I have 3 issues.

I still see a fraudulent identity theft account with XXXX that is not mine you still have not removed it and I still see a fraudulent identity theft address XXXX XXXX XXXX that is not mine you still have not removed. Please permanently remove those immediately. 

I also CAN NOT access my online account anymore even though I was able to log in 2 days ago. People over the phone were very unhelpful and did not know what to do. Please fix this. See attached photo for error. 

Please help me I am very frustrated.
Consumer complaint received 2024-02-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TRANSUNIONs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX  XXXX
Consumer complaint received 2022-07-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-05-23
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX RE : Dispute Result negative reporting account # XXXX Hello Experian, Im writing this letter to dispute your dispute findings for XXXX XXXX  XXXX account # XXXX that I recently disputed through Experian online. This account was requested to be deleted by the original creditor in XXXX per a legal confidential settlement agreement ( see attached documents ) Also, the account appears duplicate times on my credit report. Ive disputed this account on several occasions without Experian or XXXX XXXX XXXX  updating and reporting the account accurately which is required under FCRA Law. 
Ive since filed a complaint with the Consumer Financial Protection Bureau and will file legal action against Experian for refusing to report this account accurately. 

Please review the documentation included with this letter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX Letter sent to Experian refuse to delete account per a legal settlement agreement in California
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$0.00} 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  XX/XX/XXXX
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I originally reached out XX/XX/year> reporting the inaccuracies on my account and providing a FTC identity theft report for the creditor. You stated a drivers license was required to complete the process but you have not shown proof of the drivers license presented at the time. FTC reports nearly XXXX XXXX dollars lost to fraud each year. That number is not fictional. My identity theft report was not taken seriously, and when given the opportunity, the " comments '' section was not updated as " identity theft '', nor was there any acknowledgement of my dispute. Attached are the responses from the original creditor alleging I provided a drivers license, which can be obtained illegally by criminals wishing to steal someone's identity. What's more is the account alleged to be mine isn't even reporting accurately. How can a person pay 94 % of payments on time while simultaneously reporting 0 % payments made ( all payments missed )? This is not ok, this is not legal, and should be fixed ( deleted from my account. ) XXXX reports 94 % of payments made on time whereas XXXX reports 0 % of payments made on time. Transunion 's payment history is void yet reporting as open, the same as the XXXX report which has the 94 % payment history. All of this will be highlighted in the attached .pdf document for easy viewing. I have waited a year and disputed this multiple times with a paper trail being left in my favor. Depending on the outcome of this dispute, please understand that I am intending to sue if my report is once again neglected. please see the attached images and files for context.
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Awar Holding Inc. (NY)

This Company is contacting me both on my personal cell phone and at my current workplace for a business debt from another company. They call both numbers every single day. I've already informed them to stop contacting me and that they are inviolation of the CFPB and FDCPA
Consumer complaint received 2024-02-12
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 2024-02-11
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. (NY)

XXXX was removed from TransUnion credit report XX/XX/2024 for not sending credit card and unprofessional installation ( destroying homeowner 's walls ) XXXX retail now XX/XX/2024 has resurfaced back on TransUnion credit reporting agency stating I owe now {$26.00} XX/XX/2024 lowering my credit score!!! 
When I notified consumer federal protection services, I don't want their services, cancel and come get their products!!!! 
XXXX retail is threatening me and playing a game with me!!! 
I want to SUE XXXX for damages to my house!!!
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

Please remove address XXXX XXXX XXXX XXXX NV XXXX. I am no longer reachable and dont live there and I dont want anyone opening important letters, bills and statements by someone and to prevent any identity theft and fraud activity. Please only put one address on my credit file and my name showing on my drivers license only. i attached copy of my drivers license.
Consumer complaint received 2022-07-13
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. (FL)

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX ( Original Creditor : XXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2023-05-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MO)

XX/XX/2023 US Bank sent a notice of default allowing me 30 days to either make partial payments for the past due interest of {$3600.00} or pay the whole sum. I made a {$470.00} payment XX/XX/2023. US Bank never applied this payment to my account. Debt collector XXXX sent a letter XX/XX/2023 requesting the full HELOC principal and interest of {$170000.00} be paid and stated the property my primary residence was being published in " Legal ledger '' on XXXX to be auctioned XX/XX/2023 by XXXX 
They postponed sale but now are auctioning themselves and not listed on XXXX for XX/XX/2023. 
Every time I call US Bank remote phone representatives working from home switch me from person to person for three hours logged on the phone. I've tried this more than four times over the past four months since XX/XX/2023. They are intentionally not sending the loss mitigation applications by mail or email. Dual tracking. 
One payment was missed in XX/XX/2023. 
In XXXX I explained the tripled monthly payment on the HELOC was supposed to have been fixed at the 3.25 % interest rate. Instead they increased it to 8 %. US Bank sold the copy of the note to a very aggressive debt collector who has home investors lined up to buy the property for just the amount of the HELOC third place loan {$170000.00} when property is worth {$460000.00}. 
XXXX XXXX created XXXX and XXXX XXXX, however he is operating the XXXX firm as a supposed trustee so he can foreclose and reap the equity in the house in a scandalous manner. He bought the copy of the note but not the mortgage for a few XXXX dollars from US Bank. US Bank has already charged it off on their accounting books. 
This HELOC was already sold into the market pooled as a heloc-backed security.