davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
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: WELLS FARGO & COMPANY (TN)

I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is 1. XXXX XXXX XX/XX/2020, Wells Fargo Dealer XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX  XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquries removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.
Consumer complaint received 2020-01-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

I had ongoing problems when this company was called OCWEN, it is now called PHH Mortgage Servicing. During the big switch over, I was told I had to mail in my mortgage payment, so I did just that. I even wrote the check for XXXX in stead of the lower payment amount. The 'geniuses ' at PHH cashed my check and put the money in 'suspense '. They then proceeded to send me late notices and foreclosure notices. When I called to see what the problem was, as I had checked with my bank and the check had indeed been deposited. I was told they had no idea what to do with the extra amount of payment. I was very puzzled by this as in the past it had merely been credited to my principal. They finally credited my mortgage. Month two, I again was instructed to send a check, I did so, repeat first check problem, except this time I sent the exact amount ( so as not to confuse them again ). I again received late notices and foreclosure letters. I called and had the monies credited to my mortgage. Month three! same scenario. This is where the XXXX BPO fees came in ( which by the way have been added to my loan balance ) as well as a XXXX 'assessment fee '. From what the barely understandable ' customer service reps have told me, my deed will never be released until these fees are paid. This is a VA loan and I am a disabled senior Veteran.
Consumer complaint received 2024-02-02
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. (PA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2024-02-02
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. (AZ)

To whom it may concern, My rights as a federally protected consumer are being violated by XXXX XXXX, Transunion, XXXX and XXXX by reporting a balance {$6400.00} on my monthly consumer credit report. XXXX XXXX  and the above consumer reporting agencies did not disclose information how to, or to give me opportunity to Opt Out before sharing or disclosing my personally identifiable financial information. 

Privacy Act of 1974 provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. '' 15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Nonpublic personal information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

16 CFR 313.3 Definitions ( o ) ( 1 ) Personally identifiable financial information means any information : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information. 

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 

Per FCRA 15 U.S. Code 6802, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, past, present, future, written, unwritten, verbal, and nonverbal, to disclose any account balance information.

Please remove the reporting of my account balance information. It is personally identifiable financial information. 


Thank you for your prompt attention to this matter
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We were making payments to our credit card capitol one, we were having a finacial hardship. I was on unemployment until i was called out of town for work, my wife is on the account to manage and make payments. My schedule was XXXX XXXX hour days, at a power plant in Washington XXXX. My wife XXXX tried to contact capitol one to freeze the account for legal by law, they refused to help us being that I could not make the call myself i gave a verbal to Capitol One she had binding right to change or contact Capitol one for me, they refused and sent my account to coolections. Now they are demanding payment we can not afford. Had we been given the chance for the freeze, this would have been diverted.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

When I try to start a dispute, I get a message that my information does not match when does match my credit report. I was given access to pay {$15.00} a month for the monitoring service that lets me update my report once a month but I can not dispute the information on my credit report.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received a notice on XX/XX/XXXX  that a hard inquiry had been done on my Transunion account. The hard inquiry was for a new credit card. I also received emails from XXXX XXXX  that a credit card was approved in my name. I went to a XXXX XXXX and told them that I did not apply for a new card. I have never had any kind of accounts with XXXX XXXX. I do not believe that any charges were made as I received an email from XXXX XXXX  stating that the card would be received in 5-7 business days. The card was approved for a credit limit of {$15000.00}. 

XXXX XXXX  called their fraud department, and the credit card has been stopped. 
I have also called Transunion and have requested a 1-year fraud alert on my account. I have also gone to my bank ( XXXX XXXX  ) to let them know what happened. I am also filing a report with my local police department. 

I have also contacted the Social Security Administration to let them know my SSN was compromised. 

My big concern is that XXXX XXXX  had all of my pertinent information to include my name, email address, home address, and my social security number.
Consumer complaint received 2024-02-02
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. (IL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-03-06
Product: Credit card — Store credit 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: Affirm Holdings, Inc (NM)

XXXX. Purchased a XXXX XXXX XXXX portable AC using Affirm on XXXX. Paid XXXX for XXXX payment with XXXX XXXX XXXX debit card. Chat with XXXX XXXX. Transferred XXXX  times to XXXX different agents about status of refund. No resolution. Was given to some higher up team at XXXX XXXX XXXX hours. The risks have exceeded the benefits. I chatted with XXXX XXXX XXXX. On their end the charge is pending. May take up to XXXX  days for release and return to my account.
Consumer complaint received 2022-10-04
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. (FL)

Please investigate and delete the following accounts that do not belong to me : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXXXXXX XXXXk account XXXX XXXX. XXXX XXXX XXXX account XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

unverified inquiries on my credit report. These companies have not demonstrated any permissible purpose, and it is questionable whether they have actually checked my credit, as they have failed to show any record of me on file. This could potentially be a clerical error on your part, and I demand an immediate investigation into these inquiries.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

1. Inquiry Date : XX/XX/2023 Creditor Name : XXXXXXXX XXXX XXXXXXXX Inquiry Type : Hard 2. Inquiry Date : XX/XX/2023 Creditor Name : XXXX  XXXX Inquiry Type : Hard 3. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Type : Hard 4. Inquiry Date : XXXX, XXXX  Creditor Name XXXX XXXX XXXX Inquiry Type : Hard 5. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Inquiry Type : Hard All these inquiries above were put on my credit report by a dealership I found out. I Personally never stepped into these dealerships and do not know the inquiries. 
I filed for identity theft because of these fraudulent inquiries. because they are fraudulent
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Regarding Incorrect Reporting of Student Loan Payments Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have been experiencing with the reporting of my student loan payments. Despite several attempts to dispute and rectify the situation, the matter remains unresolved, causing significant harm to my credit. 

I have diligently sought to address this matter directly with the credit bureaus, emphasizing the inaccuracy of reported late payments on my student loans. These late payments are, in fact, incorrect, as my payments were rightfully supposed to be deferred due to the impact of the XXXX pandemic on my financial situation. 

I have made numerous attempts to rectify this error through the appropriate channels, providing documentation and proof of the deferment eligibility due to the pandemic. However, the credit bureaus have failed to acknowledge or resolve the issue, leaving these inaccurate late payments on my credit report. 

Given the adverse effects on my creditworthiness, I am left with no choice but to escalate this matter to the Consumer Financial Protection Bureau. I kindly request your intervention in ensuring that the credit bureaus promptly and accurately reflect the deferment status of my student loan payments during the specified period affected by the XXXX pandemic. 

I believe that swift resolution of this matter is essential to safeguarding my credit standing and financial well-being. I request that you investigate this issue thoroughly and take the necessary steps to compel the credit bureaus to correct their reporting accordingly. 

Thank you for your attention to this matter, and I appreciate your assistance in resolving this dispute promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-02
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. (IN)

Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.
Consumer complaint received 2020-05-11
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: NCB Management Services Inc. (AR)

It has been nearly three months since I first reached out to XXXX, XXXX, and XXXX  about fraudulent activity pertaining to credit file. I have sent XXXX, XXXX, and XXXX  several pieces of supporting documentation to validate my claim. I still have the same fraudulent addresses reporting on XXXX, XXXX, and XXXX   after I specifically sent a notarized request asking them to be removed. Several inquiries still remain on my XXXX, XXXX, and XXXX   report. I submitted an report from the Federal Trade Commission which included all of the accounts in question. XXXX  recently sent me a response requesting that I send in a copy of my drivers license, social security card, etc for identity purpose. I was sure to include all of those documents with my initial dispute and after speaking with a representative I was informed those documents had been received which makes this letter or automated response inaccurate. My rights under the Fair Credit Reporting Act have and continue to be violated and the bureaus must be held accountable per section 605, 609, and 611. Accounts XXXX   XXXX XXXX XXXX, XXXX XXXX, and NCB Management were never established or opened by me and are the direct result of identity fraud and or theft.
Consumer complaint received 2020-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (CA)

I am a victim of Identity Theft. I had an account with US Bank XXXX that I closed. There were unauthorized charges totaling about {$14000.00} made to that account. I have contacted US Bank several times to have the Fraud Department research and have yet to have them resolve my account. This account is extremely damaging my credit scores and preventing me from getting the credit I deserve.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (AZ)

I have submitted several price protection claims with Discover that haven't been looked at, even after 2 months. When I submitted the claims I got an email saying the claim would be reviewed within 10-14 days. Normally this process has taken 7-10 days. I submitted a claim on XX/XX/XXXX, and it is still in processing and has not been looked at. I have called the claims dept several times ( the number in the email ), and each time they tell me they will look at it within 120 days, not 7-10 days in the email. Every time I have asked for a supervisor or someone in claims they refuse to transfer me. They tell me to call Discover.

I've called Discover twice and messaged them twice, and they won't do anything. 

I am worried because so much time has elapsed since I originally submitted my claims that they will be denied because they can't verify the lower price. Many of the claims I submitted were a weekly sale, and there's no way you can verify a sale price 2 months after the fact. 

I am also worried that I will be unable to return these items if my claims are denied, because most retailers only allow 30-90 days to return an item, and Discover is telling me I have to wait 120 days before they will ever look at a claim. This sounds illegal. You can't change the terms and conditions of a claim AFTER a claim has been submitted.

I will attach the original email I got from Discover saying my claim would be reviewed within 7-10 days, back on XX/XX/XXXX. 

These are my Discover price protection claims, along with date submitted, that haven't been looked at as of today : XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

1. Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX XXXXXXXX Inquiry Type : Hard 2. Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX Inquiry Type : Hard 3. Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX Type : Hard 4. Inquiry Date : XXXX, XXXX Creditor Name : XXXX XXXX Inquiry Type : Hard 5. Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX Inquiry Type : Hard All these inquiries above were put on my credit report by a dealership I found out. I Personally never stepped into these dealerships and do not know the inquiries. 
I filed for identity theft because of these fraudulent inquiries. because they are fraudulent
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am not associated with these creditors and I did not initiate the inquiries with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Kindly proceed to remove it from my credit report without delay.
Consumer complaint received 2018-06-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation (SC)

I was checking my credit score after being rejected for a job due to the large drop in my credit score. My credit dropped 127 points and said I did not make a payment and it was over 30 days late. I've made all my payments on time and make sure they clear my bank. The show the amount of {$860.00}, but this is not my payment nor would it be if a " late '' penalty was added in. All my payment have cleared on average of 7 days after payment has been made. My normal mortgage payment is {$810.00} and due on the XXXX of each month. 
I tried to call the company, I was put on hold for over 2.5 hours ( I finally hung up ), I put in my loan info, the line rings busy, an automated recording comes on and then hangs up on you. I've sent an email to every email address on their website with no responses. There is no way to contact this company at this point. 
I've files an investigation with the credit bureau and it is in process at this time. 

This has hurt not only my credit, but my fiance as well. 

How is it a company can make such a gross error and we the consumer should just write it off as it has affected our lives. Companies need to be held on their errors and pay when this messes with peoples lives.
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. 
The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ).
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I received an account statement earlier this month from Home Depot.  The items were charged from XXXX and XXXX of this year. The total was {$4700.00}. I did not receive the products or services from Home Depot. I received billing in XXXX of this year. I subsequently phoned Home Depot to file a complaint. Home Depot did not accept my complaint.
Consumer complaint received 2019-05-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

My school loan was defaulted abruptly, And I wasnt given a fair and reasonable chance to make a payment I was immediately sent to collections which has resulted in my score being Ruin, and me not being able to secure any financing.