davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-02-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I was in deferment since I was attending classes as a XXXX XXXX XXXX untill XX/XX/XXXX when the deferment period of the loan ran out with AES. Since I was still attending classes I did not receive any messages about this since I had no idea to log into the account. They finally reached me in mid XX/XX/XXXX and told me the situation and that they would mail and email me the form to fill out. Since my printer was broken I waited for the mailed copy but it never arrived. I printed it out and mailed it mid XX/XX/XXXX and they received it XX/XX/XXXX. XX/XX/XXXX they defaulted the loan to XXXX  XXXX and informed me I needed to speak to them. I spoke to XXXX and they kept saying I needed to speak to AES about the loan until someone at XXXX said they will speak to their manager who said they would contact AES. I never heard back from XXXX or received a voicemail from a number identifying them as XXXX. Starting in late XXXX early XX/XX/XXXX started receiving calls from debt collectors on the loans since it went to two different companies, one loan for XXXX and the other one for XXXX. Called AES and they say their is nothing they can do since it was a private loan and that the form I filled out from the message they sent was the wrong one. Called XXXX as well and they won't do anything as well.
Consumer complaint received 2024-02-07
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. (NJ)

As a Joint account, I am requesting to be Removed XXXX XXXX Credit report as Payment history late. XXXX no longer has access or contact with me in this car lease. As far as the late history thanks for your regards to my loss. I am requesting and insisting in a goodwill For XXXX XXXX Credit report to be removed. as well as proof of late discrepency as youreport.
Consumer complaint received 2021-04-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Hello, Ive attempted numerous times to have the credit agencies remove this account as information listed by the creditor is not only incorrect but it has affected me mentally and financially. Im not sure why Ive ever shown late, charge off etc but I want this account removed from all 3 credit agencies as requested numerous times. I have a right to have fair and accurate data listed according to FCRA
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC  # XXXX DOB XXXX ADDRESS XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX NAME XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2019-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Texas Guaranteed (TX)

Trellis Company, formerly known as Texas Guaranteed, contacted my employer on XX/XX/XXXX with a garnish order for unpaid student loans. This issue is the error of the Trellis Company. For every semester a student takes a loan, the company has it in their system as a separate account. I send one check a month and the company splits the payment between five accounts. 11 months ago, they started splitting it between four accounts and left one unpaid without notifying me. My credit is ruined and they are going to garnish my wages for 15 % of my income. When the error was pointed out to them, they sent me an email on XX/XX/XXXX acknowledging their mistake but said it would take 30 to 90 days to process the paperwork in order to stop the garnish. This is unacceptable. No one with the company will give me a last name or employee ID number. 

Address of Trellis : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone Number of Trellis : XXXX Email of Trellis : XXXX XXXX
Consumer complaint received 2024-03-11
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: NAVY FEDERAL CREDIT UNION (MI)

There was a charge on my credit card for {$180.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX through XX/XX/XXXX. My husband purchased this trip in XX/XX/XXXX in which tickets for this jazz festival were already paid. We were advised another card need to be left for incidentals. This issue is the company is in bankruptcy in which were trying to get our money back as we speak case # XXXX for {$3700.00}. We did not attend this event because they sent us cancellation on XX/XX/XXXX that our hotel accommodations were cancelled meaning we couldnt attend. I dont have a credit card receipt or anything for this purchase. Navy Federal denied my claim but I never received correspondence. I disputed and sent in all the documents to show the jazz trip was cancelled so how was I charged again for something that was previously paid for.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Our mortgage company apparently processes and takes payments from anyone. We were notified on XX/XX/XXXX by our mortgage company that we had been delinquent on two payments. This was shocking to us and we immediately got on the phone with them to understand the issue, as we have our account set-up for autopayment. 

When we contacted them, we were notified that the wrong person had paid our mortgage in XXXX, so there was a double payment made in the month of XXXX. Without any notice to us, they rescinded the XXXX payment from the other person, and applied the payment we had made for the monthly XXXX payment to XXXX, leaving us with XXXX unpaid. We learned none of this until XX/XX/XXXX when we received a letter. The company never contacted us for the mis payment, nor explained to us how someone else could make a payment on our account. 

They then proceeded to send us another letter on XX/XX/XXXX letting us know of our options to avoid foreclosure. This was additionally horrifying as we had just made a payment for 2 months, without any of this being brought to our attention in the first place. 

The intimidation and scare tactics that are used by this company are horrifying, and even more ghastly is the fact that they can not answer how this mixup could happen in the first place ( audit much?? )
Consumer complaint received 2015-10-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (MN)

Overall complaint about TCF Bank : Unlike some other banks, TCF charges an overdraft fee for pending items even if you have money in your account that should cover a non-pending charge. If there is a pending deposit from the night before, TCF will access a fee if you make a small debit purchase because the money in your account is being held hostage for pending items instead of paying for charges as they are posted to your account. Here is a screen shot of {$200.00} in fees I was charged ( the bank magnanimously returned {$25.00} ). This is some sweet spot of manipulation that TCF has figured out. So while this may be technically legal, ( or is it? ) this is theft of the small hardworking individual who at the moment is fuming.
Consumer complaint received 2023-03-30
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)

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

XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-08
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: SYNCHRONY FINANCIAL (CA)

I viewed my credit report and saw there was an individual inquiry ran XX/XX/XXXX. From SYNCB travel/entertainment C/o XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX. This is an inquiry I do not recognize and would like removed because it is affecting my credit score. I will also mention that I never had a line of credit prior to XXXX so I do not understand how I am linked to this inquiry. I need this removed.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/year> XXXX XXXX made an inaccurate report to my consumer credit report, which resulted in my score decreasing. I have not missed any payments or made any late payments as of XX/XX/year>. I called several times to get clarity on my account status and have been unsuccessful with this. I have also tried to submit a dispute directly with XXXX XXXX but the company has refused to allow me to do so. Since XX/XX/year>, I have spoken to several agents within several different departments and was given different information regarding my account status every time. I have asked to speak with several managers and can not seem to get through to anyone. I also received an email from XXXX asking me to make my payment for XXXX by XX/XX/year> to avoid negative credit reporting, which the payment was made by XX/XX/year> and posted on XX/XX/year>. XXXX is still insisting that they did not receive my payment for XXXX, despite my account reflecting that they did. 
XXXX needs to fix my credit report immediately or this will result in further legal action against XXXX XXXX.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch (NJ)

" XXXX XXXX '' is the company it sent me a bill without my knowledge without asking me anything and i did not see any service done for the bill. they are trying to cheat me. they should have told me if they were planning to do anything. it is a fraud they need to take permission of customers before they do anything.
Consumer complaint received 2016-03-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I have a XXXX account with Wells Fargo MORTGAGE. I have been trying to get a loan modification without success. I have been going through this for years now. Just when I thought I was getting ahead, and processing a modification, Wells Fargo sold my loan to XXXX XXXX LOANS. I am frustrated and still trying to get a loan modification. I do n't know if it is Wells Fargo or XXXX OR WELLS FARGO.
Consumer complaint received 2024-03-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC (MA)

The company insisted that I took loan from them, they keep sending emails and calls that I am late with payments. I didn't loan anything from this company. They have official website and phone number. 
XXXX XXXX XXXX Www.nationalnationloans.com
Consumer complaint received 2020-06-19
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. (CA)

I had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was told I would not be able to do so because of an account from XXXX/XXXX  reflecting badly on my credit report. This account does not belong to me ; I didn't even know it was on my credit report before today because I never opened it and I did not give anyone permission to open it in my name. I am not affiliated to that company in any way nor did I have any written/verbal contract with them. I did not benefit anything from this account such as money, goods, services or any other benefit and I never made parents towards this account. I have already filed a police report regarding this unauthorized account. I have filed this report the best of my knowledge.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (NJ)

Due to Freedom Mortgage Co. not paying my taxes which was set up for them to pay, there was a lien against my home for non payment of taxes. As of today date, XX/XX/XXXX the lien is still outstanding. I was called the company on numerous occasions and nothing has been done. I've been calling them since the first of XXXX to no avail. I was told on yesterday XX/XX/XXXX, that the lien would be taken care of by the end of the day. This lien is still outstanding. the problem I have is no one can tell me why my taxes wasn't paid. 
I found out about the lien during a refinancing of my home, taxes were outstanding from XXXX and XXXX. 
Due the lien my refinancing fell through and I have to start over and might not get the same interest rate on my loan. I am very discouraged.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OH)

My XXXX account was compromised, passwords were lifted and used to access two of my Chase credit cards and my XXXX XXXX card. I saw the charges right away and called both Chase and XXXX. 

XXXX was able to stop the charge immediately and no further action was required. 

Chase chose to " investigate '' the charges, which led to the charges hitting my card and services purchased. The purchase was for a XXXX Ads series of advertisements ( on XXXX, apparently ). Chase moved the situation to their Fraud Department, and in their investigation they determined that the charges came from my ( hacked ) XXXX Account and therefore were deemed to be legitimate. Now the charges are recurring and each time I call to appeal to the Chase Fraud Dept. they investigate and come back with the same response, that since the charges are coming from my account they are my responsibility. Nobody seems to care that I'm not the person behind these charges and my appeals continue to fall on deaf ears. 

Today I was forced to cancel two Chase credit card accounts to extricate myself from this ridiculous cycle. Meanwhile, I've paid over {$300.00} in charges for services I never authorized. 

XX/XX/20 XXXX Ads {$150.00} XXXX XXXX Ads {$130.00} XX/XX/20 XXXX Ads {$60.00} There are more charges pending. I've canceled both Chase cards that I have. 

I don't know what else I can do.
Consumer complaint received 2022-01-18
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2021 I placed an order with my American Express card at XXXX in the amount of {$290.00}. After waiting for two weeks and not receiving my order, I reached out to the merchant and informed them that I hadn't received my order. They checked the tracking number and told me that the order had already been delivered. After conducting an investigation they concluded that the order had been delivered and they could no longer help me. 
I then reached out to my credit card issuer American Express and they told me they would conduct an investigation on my behalf. After reviewing the tracking number, they concluded that the merchant and delivered the order and rebilled me. I contacted American Express and they asked me to provide documentation that the order hadn't been delivered. I asked them what type of documentation I could provide for a lack of delivery and they couldn't tell me.
Consumer complaint received 2021-04-08
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. (CA)

I viewed my credit report and saw there was an individual inquiry ran XX/XX/XXXX. From XX/XX/XXXXtravel/entertainment C/o XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX. This is an inquiry I do not recognize and would like removed because it is affecting my credit score. I will also mention that I never had a line of credit prior to XXXX so I do not understand how I am linked to this inquiry. I need this removed.
Consumer complaint received 2021-06-22
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: The Receivable Management Services LLC (NY)

This account dont belong to me Please remove this account of all 3 credit report agencies, look here the accounts to delete 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft RMS Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2024-02-14
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. (MO)

In accordance with the FCRA, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts shall be removed immediately : 1. XXXX XXXX 2. XXXX 3 . XXXX XXXX 4 . XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7 . XXXX 8 . XXXX  XXXX XXXX  9. XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furish a account without my instructions. 15 USC 1681c ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm demanding that this accounts be removed as soon as possible.