davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
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. (FL)

To whom it may concern : XXXX XXXX XXXX I'm sending 4 attachment files with complaint letters, names & evidences of documents, that will further expound my complaint toward XXXX of XXXX XXXX, XXXX XXXX ( Financial Director ), XXXX ( Sales Manager ) and XXXX Credit, XXXX XXXX XXXX Compliance Manager ). 
File 1 - Complaint letters of unauthorize inquiries, witness letter, XXXX XXXX XXXX ... 
File 2 - Evidences of proof reaching out - excessive unauthorize inquiries XX/XX/XXXX File 3 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 4 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 1 Contain 8 - documents : 1 Introduction letter of " Step 1 - 5 '' 4 personal letters of unauthorize inquiries 1 letter my wife XXXX XXXX XXXX 1 letter from XXXX credit inquiry and 1 letter from XXXX XXXX rescinding inquiry ( that dated XX/XX/XXXX instead of XX/XX/XXXX File 2 Contain 5 - documents : Reaching out to XXXX Credit ( Compliance ) on XXXX, XXXX ( email ), XXXX XXXX XXXX of XXXX XXXX XXXX Customer Care Team & XXXX XXXX ( Financial Director ) on XXXX, XXXX & recent on XXXX XXXX, XXXX ( email ) File 3 Contain 4 - documents : 1 return letter to Consumer Dispute Request 3 Credit Bureau Reports from XX/XX/XXXX XXXX, XXXX * ( see File 1 - personal letters pages 1,2 and XXXX  XXXX letter ) * File 4 Contain 8 - documents : Reaching out in person on XXXX XXXX, XXXX 3 credit reports from XXXX  and XXXX XXXX XXXX ( see File 1 - personal letters pages 3,4, XXXX 's letter and XXXX letter ) ** XXXX XXXX XXXX, XXXX XXXX ** ( see File 1 ... ) ** XXXX XXXX XXXX XXXX special note ) : reported excessive inquiries Step 1 - Unauthorize usage of my credit XX/XX/XXXX - XXXX, XXXX ; XXXX XXXX - XXXX, XXXX Step 2 - Refuse to correct/remove illegal activities Step 3 - See attachments File 1, 2, 3, 4 Step 4 - XXXX - XXXX of XXXX XXXX XXXX XXXX Credit Step 5 - XXXX XXXX ( Financial Director ) and XXXX ( Sales Manager ) of XXXX - XXXX of XXXX XXXX XXXX XXXX XXXX ( Compliance Manager ) and XXXX XXXX ( Compliance Coordinator ) of XXXX Credit
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

We have been trying to work with Wells Fargo Home Loans for a few years to get a Loan Modification. We have submitted many documents and were represented by an attorney at one point. We recently received numerous phone calls from a real  estate XXXX XXXX XXXX stating that they represent the new owner. 
We never received any notice of a foreclosure sale concerning our home. 
We were under the impression that XXXX XXXX XXXX was submitting documents for a loan modification on our behalf. 
We do not know to do in a situation like this. We are being harassed by two real estate agents.
Consumer complaint received 2022-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

I received the attached check, # XXXX, dated XX/XX/2022, for vendor name XXXX XXXX, vendor num XXXX, amount of {$26.00}, with check stub date XXXX, for invoice/credit memo XX/XX/2022, description of XXXX  # XXXX. I request all documentation to substantiate the issuance of this check, copy attached, for so-called invoice from XX/XX/2022 for vendor name XXXX XXXX , vendor num XXXX XXXX
Consumer complaint received 2022-06-29
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. (OH)

This is my response to my complaint to TransUnion dated XX/XX/22 through the CFPB portal. TransUnion responded took longer than the 39 days 9 days over the 30 days thats required by the FCRA. My first complaint to TransUnion was XX/XX/22 I made it known that the Acc. From the XXXX XXXX XXXX Acc. # XXXX belonged to someone with the name similar to my own and it did not belong to me and I was not aware of this account until I received my credit profile. Due to this derogatory mark on my credit profile I'm being denied credit lines and better interest rates for my personal credit and business credit.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

When credit card companies advertise interest-free payment plans that have an associated fee ( i.e. " pay off this purchase in 12 monthly payments with no interest** '' ), shouldn't the fee be clearly expressed as an APR so consumers can clearly understand and compare the costs vs paying interest? Using the term " free '' in this context is misleading. Fore example, a {$21.00} dollar fee on a {$100.00} purchase spread over 12 months is equivalent to a 21 % interest rate and should be disclosed as such so the consumer can make an informed decision -- not hidden in fine print or footnotes, and not requiring the consumer to do the math. Some banks offer a total cost estimate for purchase plans, which may be somewhat helpful in making purchase decisions, but makes it harder to compare fee-based vs interest-based costs.
Consumer complaint received 2022-06-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P. (SC)

They have posted a old medical debt to my credit report. They are using a method of showing an open date of 4 months ago when this debt is over 6 years old. This should reflect on my credit report either within within charge off date or a date of service of service. They they are in violation of the fair credit reporting act and was advised of this
Consumer complaint received 2022-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jacob Law Group, PLLC (TN)

Process server pounded on my door after dark on XX/XX/XXXX. Left notice to contact them to deliver a civil summons docket number XXXX for XXXX XXXX credit card debt that I was unable to pay due to losing my job during Covid. Money judgement says {$4100.00} plus court and post judgment interest. The court date on the summons was altered and a federal holiday. I have tried to reach a settlement with XXXX XXXX Jacob Law Group, but can not get any written documentation or return phone calls. Threatening language and intimidation tactics were used. I researched Jacob Law Group and XXXX and found they have countless complaints. Jacob Law Group was sued by the United States in XXXX and ordered to stop deceiving consumers and ordered to pay {$790000.00} in restitution for consumers. I simply want to reach a settlement in a professional manner, receive supporting written and legal documentation and have them delete this from credit bureau reporting. When I asked XXXX XXXX with Jacob Law Group for documentation, she said " That's not how it's done. ''
Consumer complaint received 2022-06-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-29
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: EQUIFAX, INC. (GA)

I have submitted a complaint XX/XX/2022 regarding this issue and the representative did not address my initial concern. My initial concern was as follows : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The initial complaint number was ( XXXX ). The company response was not handling my issue with this violation stated above. I am resubmitting my complaint due to that error on the companies end. XXXX and XXXX have processed my request accurately. Please remove late payments as reporting this on my credit report is a violation of my rights.
Consumer complaint received 2022-02-22
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. (GA)

In XX/XX/2022, I initiated a dispute claim to Transunion in reference to accounts and inquiries on my consumer credit report ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). I did not give expressed written consent to authorize these items to furnished on my report pursuant to 15 USC 1681b ( a ) ( 2 ). A FTC identity theft report has also been filed and sent to Transunion for using my information to furnish items on my report without my consent. These items have not been blocked from my report in accordance with 15 USC 1681c-2 ( a ). I have sent three notices to Transunion since the beginning of XX/XX/2022 with the attempt to settle this matter and get these items removed from my report. However, I have not received adequate response about the investigation or proof of written consent.
Consumer complaint received 2022-06-29
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. (MI)

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 XXXX XXXX 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX 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 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX 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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2022-06-29
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. (OH)

The letter I sent to Experian last XX/XX/2022 was to inform them that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any items and information not later than 4 business days after XX/XX/2022. Ive already included these items in my previous Complaints & I am including them again : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-29
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. (CO)

Ive never got a notification in the mail after 5 business days saying that this matter with XXXX # XXXX was being disputed and investigated so what that means according to 15 U.S C 1681 ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Consumer complaint received 2022-06-29
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Experian was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$360.00}
Consumer complaint received 2022-06-29
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)

This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$56.00}
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP (PA)

ADVERSE ACTION DATED XX/XX/2022 Recently, I XXXX XXXX was denied an extension of credit by KEYBANK On XX/XX/2022 you submitted a credit card application, I applied for Preferred Credit Line As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). KEYBANK has violated my federally protected consumer rights : 1. 15 U.S Code 1642- No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in the renewal of, or in substitution for, an accepted credit card. 
2. 15 U.S Code 1681M 3. 12 CFR 1002- A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered 4. 15 U.S. Code 1691-It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. 

Since the letter you sent me dated XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. KEYBANK should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all-natural inalienable rights reserved.
Consumer complaint received 2022-06-29
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. (MD)

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXXBalance : {$0.00}
Consumer complaint received 2022-06-29
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. (MD)

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX ( Original Creditor:XXXX  XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX XXXXBalance : {$0.00}
Consumer complaint received 2022-06-29
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: EQUIFAX, INC. (VA)

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-29
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)

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}