davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-19
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. (TX)

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  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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
Consumer complaint received 2022-04-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Applied Business Services, Inc. (NC)

Sent a letter of validation XX/XX/2022. By certified mail demamnding validation for the alleged debt. They have ignored the letter telling them they have 30 days to validate the debt and have sent continued notices for collection of alleged debt.. ihavealsocontacted whom the debt is from allegedly and they said I owe XXXX and the debt is not valid. 

I will add certified mail receipt if needed.
Consumer complaint received 2022-08-26
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. (MO)

I have noticed that XXXX XXXX  have placed an inquiry on my TRANSUNION credit file dated XX/XX/2020. On multiple occasions I requested XXXX XXXX and TRANSUNION to verify these inquiries. They have yet to do so.
Consumer complaint received 2022-08-26
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. (IL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 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 2022-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hello on XX/XX/XXXX my brothers Bank of America account was hacked and he was charged with three XXXX transactions {$110.00}, {$160.00}, {$34.00}, the package had also shown up to our house, my parents called XXXX right away and they told us to file a. fraud claim with the bank. So my parents filed the claim and Bank of America resolved the claim, they gave back his money and my parents decided to close my brother bank account since they thought it may be hacked again, so they went to Bank of America and we asked if it's safe to close the account and that the claim will not reopen, they said its okay to close the account, so we closed it on XX/XX/XXXX. Then on XX/XX/XXXX my Bank of America account was debited three charges of {$110.00}, {$160.00}, {$34.00}, I was confused and called the bank, they said they reopened the claim since XXXX denied the funds and since I had a joint account with my brother they took the money out of my account, even though we were told closing the account meant that the claim was closed, but I guess not, they took this money out of my account, then all of a sudden on XX/XX/XXXX I was returned {$160.00}, from the claim but they still owe me {$150.00}, I have been calling Bank of America almost every day since then and they are giving me random answers and are refusing to help, I even went to my local Bank of America financial centers to see if they could help, and they couldn't, I was then told to contact the merchant of the claim which is XXXX, I called XXXX on XX/XX/XXXX and they told me that they can not do anything since the charges are from almost a year ago which is understandable, but just makes me so livid since I really need the money to pay for college in the fall. Every time I called Bank of America I received many different answers such as, one lady said she will withdraw the claim on my account and my money would be retuned in 3-5 days and I waited two weeks and got nothing, another lady said she will tea sit to her supervisor and that he approved that I should get my funds in 3-5 days and still got nothing. Bank of America really gave false hope and I just want this issue resolved and my money returned, I hope you can help me.
Consumer complaint received 2022-08-25
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. (AL)

I went to the car dealership they told me they were only going to pull from one dealership it ended up being multiple which caused my score to drop tremendously! The same thing happened with the mortage company this is most defiantly a lesson learned i will be placing a fraud alert so this won't happen again. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXg XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

Please all the attached documents This is a follow up to the complaint XXXX With experian, they did NOT follow up with me they closed and opened a dispute in minutes ( I have proof ) they also violated many rights and lied please review all documents
Consumer complaint received 2022-04-19
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. (VA)

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 XXXXXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) DPT EDXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) US DEPT ED Account # : XXXX ( shows on credit report multiple times with inaccurate information ) XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX DPT ED/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 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 2022-08-25
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

My identity was stolen a while back. I did not know. My info has been used 33 times in the dark web. They took over my XXXX and I'm constantly being hacked in my bank account. This is not my card this is a fraudulent account made by someone else in my name.
Consumer complaint received 2022-08-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (IA)

I have repeatedly been trying to get resurgent and LVNV funding to stop calling my distant relatives. This has been going on since 2020. They give out information about me. After the people tell them not to contact them. They harass people.
Consumer complaint received 2022-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I was given advice by the lender in consolidating my loans. This advice impacted me in a negative way. First, the interest that I had accrued by that point was automatically capitalized making the student loan compounding. Secondly, the interest rate was simply averaged out over the loans. I could have paid higher interest loans off earlier helping me get out from under the debt. I know more now, but I was misled by the loan servicer through the consolidation process. I was never told by the account rep during our conversation that the interest would be capitalized. 

Date and actions On XX/XX/2015 the total of {$19000.00} was capitalized and I began paying interest on that amount. This was due to consolidation. That was an amount already interest with zero benefit to me as a debtor ( other than having a single payment vs multiple ). 

I am also unclear on why the amount went from XXXX -> XXXX during the consolidation process ( XX/XX/2015 )
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am trying to clean my credit reports to the current date. I have sent letters requesting the removal of the bankruptcy reported by XXXX XXXX XXXX. I had the bankruptcy removed from this reporting agency back in XX/XX/2021. I have constantly written to TransUnion, XXXX, and XXXX requesting that this information be removed, to reflect that it was removed from XXXX XXXX XXXX report in XX/XX/2021. I will list all my information concerning this in my disputes and show how they will not update my credit report, with the current information that is reported by XXXX to date. All information related to the Bankruptcy and accounts should be removed from all three credit reporting agencies. These credit bureaus, that I have worked with over the last 3 to 4 years, have cleared information from my reports with no problem. I have removed old addresses, phone numbers, and incorrect business names, that were connected to someone with the same name as mine. This has become a really difficult process, but I must fight for my credit history to be updated to reflect my current situation.
Consumer complaint received 2022-04-19
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. (MO)

On XX/XX/22 someone got into my " Experian '' account and changed my login information and password. I attempted to gain access to my account XX/XX/22, but am unable to correct the issue. I called Experian to report the issue and the fraudulent access to my report. They said that I need to fax information over to verify my identity in order to regain access. Experian 's system allows someone to gain access to an account set up with Experian if that person 's identity was previously stolen. The information required to change log in information was already stolen by an Experian breach.
Consumer complaint received 2022-04-19
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. (NV)

In accordance with the Fair Credit Reporting Act, Fed Loan Servicing 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 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised the late payments on all my Fed Loan Servicing accounts would be removed from credit report by a representative of this company because I am still in school. This company has violated my rights and have not honored their promised as agreed upon.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (WA)

I booked a round trip flight reservation for my family in XX/XX/XXXX through the US Bank XXXX XXXX XXXX using points we had accrued using a US Bank credit card. The flight was for a trip taking place in XX/XX/XXXX. A few days before this trip was to take place, I tried to check our reservation to verify our familys seats, and I was surprised to find that our reservation could not be found using the airlines confirmation code. I called the US Bank XXXX XXXX XXXX and spent the next 3+ hours on the phone with the representative going back and forth with the airline. Apparently our outbound flight reservation was never confirmed and we lost our reservation. I was presented with options to be rebooked on a different flight with the same airline ( the original flight was apparently no longer available ) 3 times, and each time the representative came back to tell me those options were actually no longer available. So after 3 hours I was told my only viable option was to cancel the booking and get a refund. My family had already purchased theme park tickets, booked a hotel room, and a rental car for our trip so being without flights was a huge problem. They offered no other option such as rebooking on another airline at no cost, so we were stuck with booking a new roundtrip flight 3 days before departure at more than double the cost of what we originally paid in XX/XX/XXXX. We are looking to be reimbursed for the cost of the new trip in addition to a refund for the original booking, due to the error being no fault of our own. The US Bank representative I spoke to told me I would need to go through the airline rather than them, even though we made the reservation through US Bank.
Consumer complaint received 2022-03-25
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Notice, it is a fact, affiant is aware, the plastic card device issued from the creditor Capital One gives way to I, the affiants open - ended consumer credit plan in accordance with 15 U.S.Code 1602 ( j ) which contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time. It is a fact, affiant is aware this reported information is only information based solely on transactions and experiences between I, the consumer, and this accounts ending in XXXX and XXXX. This is a violation of 15 U.S.Code 1681a ( 2 ) ( A ) ( i ). It is a fact, affiant is aware, negligence is neglecting requirements that should be known. I, the affiant and consumer, made Capital One aware of, prior and continued failures of reasonable procedures as see The affiant has reason to believe and do so believes due to Capital One business practices, Capital Ones actions are liable under 15 U.S. Code 1681o for the actual damages caused to me, the consumer in fact. How do I have a balance if the account contains a finance charge? How am I late regarding payment on the accounts? Both accounts were paid in full upon the opening of the accounts when Capital One used my credit card ( social security card ).
Consumer complaint received 2022-03-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (DC)

For greater than 25 years I had been a customer of BB & T. Last year, BB & T became Truist. Then the problems with logging on via computer and making mobile deposits. And, Truist, without any fanfare or warning, decided to not offer any senior checking accounts. Nothing. Then. When Truist took over, it became increasingly difficult to sign in ( i.e., user name and passcodes not long worked even though when the changeover occurred, I changed password as instructued ). I regularly make 3 to 4 mobile deposits per month and check my balance via computer. As I mentioned, I'd been a BB & T customer for 25 years using the same computer device for 10+ years and the same phone number for 15+ years. Now, nothing is recognized. Because I was unable to make a mobile deposit yesterday, I had to take 3 busses and travel to a TruisXXXX bank in XXXX XXXX to make a deposit. I do not drive. I am XXXX XXXX XXXX, etc., etc. 
CFPB should " over '' regulate this arrogant and incompetent bank. I'm just a little old lady and even I can use a computer and a phone. Truist is a multi-million/billion dollar entity and one would think they'd get thir IT system on track.
Consumer complaint received 2021-12-25
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I called Citizens in XX/XX/2022 to remove my PMI from my condo that I purchased in XXXX of XXXX  as the value is significantly higher than when I purchased it. The updated value estimation combined with the amount of principal I've paid to date, I have over ~30 % equity. 
After multiple calls over multiple days, I was able to get in contact with a loan officer at Citizens who said they would put in the request to send me the letter detailing what I needed to do. No one else at Citizens ' mortgage phone system seemed to have any clue about how to reach their PMI department. Citizens sent me a letter explaining the criteria to remove PMI, which stated I must have at least 75 % equity and owned the property for at least 2 years ( which I should easily qualify for ). The letter also stated I should send a check for a BPO ( {$150.00} ) or an Appraisal Single Unit ( {$320.00} ), but did not specify which amount I should be sending the check for or how to obtain that information. 

I then spent another 1-2 weeks calling Citizens mortgage phone system nearly every day once XX/XX/2022 hit ( 2 years on my condo ) until I was able to get ahold of someone else who stated they could not give me the PMI department 's phone number but would have someone reach out to me. I spent a week waiting for a call to no avail. I then called the phone system for another couple days until I got someone else who said the same thing. Finally I got a call from a " XXXX XXXX '' ( XXXX ) on XX/XX/2022, who left a voicemail stating she would send me the letter packet that I had already received nearly 4 months ago! 

I immediately called her back but no answer, and left a voicemail explaining how I only needed to know which amount to write and send the check for. It has now been two full weeks without hearing back from XXXX XXXX or anyone at Citizens ' PMI department. I have been leaving voicemails for XXXX XXXX every other day asking for that simple answer so I can remove the PMI from my mortgage. It is as if Citizens is refusing to let people request PMI removal early, against the law.