davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and XXXX received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019 and postmarked XX/XX/2019. According to the Fair Credit Reporting Act, XXXX failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

XXXX  On XX/XX/2019 and XX/XX/2019 I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. TransUnion received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. Instead of providing me with the procedure used to determine the accuracy and completeness of the disputed account, I received a letter stating that they will no longer investigate the account. XXXX   failed to provide me with the procedure used to determine the accuracy and completeness of the disputed account. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

TransUnion On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and TransUnion received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019. According to the Fair Credit Reporting Act, TransUnion failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt.
Consumer complaint received 2022-06-30
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. (TX)

Addresses and employers that I have not been associated with and do not recognize need to be removed : Address : 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
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (GA)

This morning, I found unauthorized inquiries on my credit report, and Im at a complete loss as to why. Ive checked my credit report countless times before, but today, these discrepancies just appeared. I even refreshed my browser thinking it might be a technical issue, but the problem didnt go away. I am incredibly frustrated, and I urgently request that the documents Ive sent be thoroughly reviewed to prevent this from happening in the future.
Consumer complaint received 2022-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Okay, Thanks for the reply and yes, I tried to contact the call number but they all referred to talk to upperhead. 
Now, as to reviewed your membership, or annual fee terms and conditions, There isnt any clause said, when can i not get a refund, or when can it be denied. 
However, terms and conditions has a long words. 
Now, as i remember of, I didn't out balnaced on its account. 
I did paid all on time, and it was maid on the school payment. 
Now, one other thing that flagged is that i put wrong bank account and It returned. Then i fixed my account and paid it all. 
Then, I kept call back and forth in your fraud department to fix this issues. 
I did three way conference calling with XXXX XXXX  more than three times as i remember of.

Now, when I did that, your service center call was hung up as it was more than 30-minute wait time. in which your service center care rep said, dont worry i will stay with you until i verify. 
This happened multiple times, then the call center now request the paper review, In which i even submitted to your system " while i was in vacation '' Thanks to that. 
In which it was promised to respond back within 5 business day, but capitalone failed to do so, and i called back to double check.

Then another paper was requested in which i couldnt handle that immediately.

Now, when i came back to my home, and i forgot that i had to respond. in which thats what my fault be.

However, i only receieved one mail, and there was nothing regards to the account closure.

So, I thought i can just take my time as i didnt have enough time.

Now, In this part, all i believe what i did wrong was not calling back when i received that mail. the first mail ever receieved since account restriction.

Even then, I tried all my best to resolve the situation, by wasting my millions of hours. waiting for bank conference calls, submitting papers for more than twice, and so on.

In which, I can not under stand that i cant get my annual fee at least.

Even in a partial refund where i couldnt used any of the service given under membership fees.

So, I am again to ask that, if full refund is not possible then at least the partial refund.

Moreover, i will keep try as best i could in order to get at least some part back since I couldnt used after aroudn 2weeks of recieving the card.
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (AZ)

Someone has been trying to get XXXX XXXX cards in my name for years and they will not take the inquires off my credit report. I have been disputing my inquires with them for years I have been sending my dispute letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX where all 3 credit bureaus say to send disputes. After calling XXXX XXXX dispute department they say I have been sending letters to the wrong department and that I need to dispute the inquires with the 3 credit bureaus. The address I was supposed to be sending disputes to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was told by the XXXX XXXX employee. XXXX XXXX credit card applications are confusing some say they will not affect your credit and and some dont mention that they will do a hard credit pull. The 2 XXXX XXXX credit card applications that I applied for business credit does not state anywhere that they will do a hard inquiry on your personal credit. I look for the fine writing and I can not see it anywhere on the application even though they say it is there, the place where they ask you to put your social security number they only say it is for identification purposes only it says nothing about a hard credit pull. You shouldnt have to read a book or search for something that can lower your score. That should be in big bold letters on all applications so a customer is well informed because some applications dont affect your credit but they are from the same company and you can not tell them apart.
Consumer complaint received 2022-09-03
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. (AZ)

Someone has been trying to get XXXX XXXX cards in my name for years and they will not take the inquires off my credit report. I have been disputing my inquires with them for years I have been sending my dispute letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX where all 3 credit bureaus say to send disputes. After calling XXXX XXXX dispute department they say I have been sending letters to the wrong department and that I need to dispute the inquires with the 3 credit bureaus. The address I was supposed to be sending disputes to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told by the XXXX XXXX employee. XXXX XXXX credit card applications are confusing some say they will not affect your credit and and some dont mention that they will do a hard credit pull. The 2 XXXX XXXX credit card applications that I applied for business credit does not state anywhere that they will do a hard inquiry on your personal credit. I look for the fine writing and I can not see it anywhere on the application even though they say it is there, the place where they ask you to put your social security number they only say it is for identification purposes only it says nothing about a hard credit pull. You shouldnt have to read a book or search for something that can lower your score. That should be in big bold letters on all applications so a customer is well informed because some applications dont affect your credit but they are from the same company and you can not tell them apart.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (LA)

I have not had access to my unemployment benefits at all since I started receiving weekly benefits seven weeks ago. My benefits were issued to an old card that was expired and I also no longer had access to either. I have called US Bank Reliacard numerous times over the past seven weeks, each time remaining on hold for a minimum of six hours and twenty minutes. I have been told that they are unable to send me a replacement card because my address in their system is still my old address from 2016. They have told me that they can not update my address and only Louisiana Workforce Commission can update it. However, my address is correct in the Louisiana Workforce system already and has been since I filed my claim seven weeks ago. US Bank Reliacard has also told me that they can not transfer my balance that I have no access to onto another card or account that I do currently have access to as well.
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (WI)

I fell behind last year on my car payments due to COVID. My employer tested weekly and if anybody tested positive he would send the whole office home for XXXX days. This happened numerous times. I contacted Wells Fargo and asked for help explaining what happened and was told I didn't qualify for assistance.I filed a complaint with CFPB and then XXXX from the executive offices at corporate called and provided anumber to call and said they would work it out. But when I call I am again told I don'y qualify. Last year I manager to get 2 Payments deferred ( not the whole balance due ). Then I was told this would be it even though I was still behind. My father made a double payment in XXXX to help. I was still behind in XXXX I received a letter statingthe enyire balancew was now due ( 37305.44 ) in XXXX equal payments of XXXX. I told them I can not afford this and also told them that I DO NOT AGREE TO A SELF HELP REPOSSESION AS THIS WILL LEAD TO A BREACH OF PEACE. I filed a complaint with the XXXX dept. of XXXX XXXX and comsumer protection on XX/XX/2022 and was told it was a national bank. 
I was told to contact the CFPB again.
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 — Account status incorrect
Company: EQUIFAX, INC. (SC)

I recently sent a letter to XXXX XXXX asking them to send me the accounting that was used on my closed account that they are marking as charged of on XXXX, Equifax, and XXXX. They marked the account charged off in XXXX XXXX XXXXXXXX. If the company indeed charged off the account, a 1099-C should have been issued to me no later than XX/XX/XXXX of XXXX. XXXX XXXXXXXX did not send the 1099-C and continues to pursue collection activities on an account they have already charged off. I paid the account off even though the company charged it off as a loss on their records making the charge off fraudulent. I am requesting that XXXX XXXX comply with the cease and desist notice attached to this complaint and send me VALIDATION of the alleged negative accounts on my credit reports. If XXXX XXXX doesn't comply with my request I will have no other choice but to report them to the IRS for TAX FRAUD. Please read the cease and desist carefully as to not violate the order.
Consumer complaint received 2023-02-07
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: CCS Financial Services, Inc. (TX)

I've been with XXXX since XX/XX/XXXX and never had any real problems in XXXX I started noticing a lot of billing errors, For example i'd set up a payment arrangement with an agent to pay on a certain day so my services don't get suspended and the very next day the automated system suspends my service and when I call to speak with them about it, they can see the notes, apologize and turn my service back on, but a bill would come out later with re-connect fee 's that shouldn't be there because my services were not supposed to be disconnected. It's been PLENTY of times this has happened and a lot of times I missed and they are not transparent with the billing. 

My credit is reporting XXXX with the Billing, on a Recent update this morning after a dispute they updated XXXX account from {$730.00} to {$1700.00} by adding XXXX. 

My question to them is if you've been reporting {$730.00} for months how did you all of a sudden determine XXXX owed you XXXX more? 

Also I contacted ( CREDIT COLLECTION SERVICE ) about it XXXX and asked for a list of the serial numbers of the items they are trying to collect on and either send by letter or email and they told me they couldn't. 

My reason for request was because I noticed items she was asking for were different than the items on my last bill and the serial numbers didn't match, Which it seems like they were trying to pad the balance for more of a collection and a bigger hit on my credit. 

I contacted XXXX directly this morning about the bill not matching what they sent to the collection company and they gave me a {$210.00} credit. but that's still not enough for the incorrect reporting and XXXX practices.
Consumer complaint received 2022-06-30
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: Experian Information Solutions Inc. (OK)

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

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
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 — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX fails to comply with my cease and desist order and now they are making XXXX and Equifax accomplices to their fraud and deformation of my personal character. Please comply with the cease and desist attached to this complaint so that no further action is required. There will be no more added time for investigation. the company must comply immediately or deal with the next step in the litigation process. A record of all documents sent via certified mail has been filed away and stored along with the companies attempts of responding with documents that didn't meet the requirement for validation. By validation, the following was requested Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2022-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (HI)

On XX/XX/2022, I contacted BSI Financial to have my PMI removed because my principal balance reached below the 80 % of the original value of my home. They said that they only had the loan amount of {$310000.00} from the title company and that is the amount that they go off of to remove PMI instead of the sale price of the house. I informed them that was incorrect and on XX/XX/XXXX XXXX sent them the documents I had from the title company showing the sale price of the house which was {$360000.00}. So 80 % of that would be {$280000.00} and when I sent that email, my loan was at {$280000.00}. I contacted them a few days later and they informed me that my written request had been denied and that their policy is that they go off of the loan amount. As of today, the principal amount on my loan is {$280000.00}, which is approximately 78 %. I spoke to XXXX different customer service representatives and one understood how it was supposed to be calculated but it still got denied. The other 2 told me that I need to bring the principal balance down to 80 % of {$310000.00} which doesn't make sense. I have a good payment history and have never been late or missed a payment.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX fails to comply with my cease and desist order and now they are making Transunion and XXXX accomplices to their fraud and deformation of my personal character. Please comply with the cease and desist attached to this complaint so that no further action is required. There will be no more added time for investigation. the company must comply immediately or deal with the next step in the litigation process. A record of all documents sent via certified mail has been filed away and stored along with the companies attempts of responding with documents that didn't meet the requirement for validation. By validation, the following was requested Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I have disputed a public record item showing on my credit report several times I have notified Experian that the item they are reporting as a bankruptcy was a result of Id theft and is not mine however they refuse to remove the item first they stated they received the information from XXXX out you courts do I went to the courts who stated they didnt provide anything to Experian then e XXXX says they hit information from XXXX XXXX however I have provided proof from XXXX XXXX that the public record item Experian reports was in fact not verified from them as my files were suppressed due to the court order showing the courts allowed a legal name change due to fraud of previous name Experian failed to do a proper disputation investigation and simply just deregarded my rights
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2020-05-17
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: Navient Solutions, LLC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX-XXXX 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.