davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-03-25
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. (LA)

Upon checking my credit in XXXX of 2020 and noticed that I had a collections on my credit report from this office. Upon contacting the office, It has been over 6 months since I complained about this matter and they have not seen this resolved. This is having a negative impact on my credit score.I have requested validation of the debt over 3 times, and they have failed to produce this. Additionally, on their own website, they state if they can not validate this within 30 days, they will delete the information from all credit reporting agencies.
Consumer complaint received 2022-03-25
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. (LA)

Upon checking my credit in XXXX of 2020 and noticed that I had a collections on my credit report from this office. Upon contacting the office, It has been over 6 months since I complained about this matter and they have not seen this resolved. This is having a negative impact on my credit score.I have requested validation of the debt over 3 times, and they have failed to produce this. Additionally, on their own website, they state if they can not validate this within 30 days, they will delete the information from all credit reporting agencies.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

I recently refinanced my home loan through Rocket Mortgage. One of the incentives to use them was a {$2000.00} credit to my XXXX card once i closed. XXXX closed on XX/XX/2022. My has called numerous times to Rocket customer service to inquire on the credit since we had not received. We were continuously advised that we needed to allow 8-12 weeks to receive but that we were eligible. I called XXXX on XX/XX/2022 and they advised they were aware of the problem but that Rocket had not notified them of my loan. In speaking with a Rocket Rep today ( the XXXX week ) my wife was advised that we were not getting the credit, even though we had been advised several times that we would. My wife was told that we were given the {$2000.00} credit at closing and that it was on the closing disclosure. The closing disclosure shows a {$2000.00} credit but nowhere does it say anything about XXXX or were we advised that is what that credit was for. A closing disclosure should detail the credit as my wife advised teh rep. The rep only reply was that she could send an email stating that was what the credit was for. I simply can not understand how i am how supposed to just take the Reps word when several other reps advised we were due the credit on our XXXX card account. Sounds like a bait and switch to get our business. We were told over and over again that we would receive the credit, even after closing and now they claim we already got it. The line item on the closing disclosure does not show XXXX. A page of teh closing disclosure is attached for review. the credit is on the lower right of the page.
Consumer complaint received 2022-03-25
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. (HI)

After multiple attempts with the bureaus I want all my personal information on all my credit reports to be 100 % accurate per the FCRA, XXXX, XXXX, and Transunion are either reporting outdated, incorrect, inaccurate, or missing information when it comes to my personal information which can lead to fraud, identity theft, being denied credit, denied a higher-paying career, or have trouble disputing inaccurate items on my credit reports. I have enclosed all documents that's needed to update or included the correct information, and supporting documents to delete outdated, incorrect, inaccurate, or missing information. I have included my Valid Hawaii State Drivers License to prove my identity and the name on my driver 's license should be the only name on my credit report all other reported names, alias, or also known as names must be deleted from my report immediately. Also, my birthday must be updated, my birthday is XX/XX/XXXX and should be updated on XXXX, My name should be reported as XXXX XXXX XXXX XXXX as is shown on my valid Drivers License and all other names must be deleted from my credit report immediately, also I have enclosed a current copy of my utility bill as proof as address and this is the only address that should be reporting on my all 3 credit reports, all other address must be deleted immediately per the FCRA also I have included a copy of my pay stud as proof of employment which is not being reported on any of my credit reports and must be updated as 100 % accurate. I wish to have this ongoing issue resolved in a timely matter as per the FCRA. I want an investigation done to why it hasn't been resolved and for the companies mentioned in this complaint to respond after updating my personal information and reporting correctly per the law. I also included a current screenshot of my credit reports personal information that's being reported as of XX/XX/XXXX
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022 I discovered hard inquiries on my XXXX, XXXX, and Transunion credit reports. The following institutions had requested my credit information from the following credit bureaus : Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX : XXXX XXXX  ( twice ), XXXX XXXX XXXX XXXX I do not recognize these institutions, nor have I applied for any product with them, especially XXXX that would require my credit information. 

I called XXXX XXXX XXXX XXXX. They claimed they had no record of my information or a request for a financial product in their system. I asked them to then correct the hard inquiry. I was told they can not fix the hard inquiry because there is no record of an application containing my social security number. 

I called XXXX XXXX XXXX, but the number listed with the hard inquiry on my credit report was not a valid number. 

I called XXXX XXXX, but they, ike XXXX XXXX XXXX XXXX, claimed they had no record of my information or a request for a financial product with my social security number attached to it, in their system. 

XXXX does not provide an option to file an online dispute against hard inquiries. I called XXXX 's phone line but could not get a live a representative. I called their corporate office for help, but was repeatedly transferred to the same line that did not provide a live person to talk to. After numerous calls to get help, I reached a man named XXXX who said that XXXX had no responsibility to remove the hard inquiry or do an investigation around it, and suggested I go directly to the creditor, by mail, and have it removed. However, he could not give me any instructions on how or where to contact the creditors to get the hard inquiries removed. 

Transunion does not provide an option to file an online dispute against hard inquiries. I completed an online chat with Transunion, and the representatitive insisted that I have to go to the creditor whom placed the hard inquiry to get it removed. I explained what had transpired when I contacted the institutions to have them remove the inquiry, but XXXX insisted that it was not Transunion 's responsibility to remove it or even verify that the request for my credit information was a valid request. 

I was able to file an online dispute with XXXX regarding XXXX XXXX XXXX. I have yet to hear back from them.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-25
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. (LA)

I sent a letter regarding inaccuracies and incorrect information on my credit report in XX/XX/2022. I noticed these changes on that same day. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. These items should be removed promptly.
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: EQUIFAX, INC. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX  XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, 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 an account without my written instructions.
Consumer complaint received 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( XXXX  ). It is plainly stated that a failure to investigating these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I notified Bank of America of numerous fraudulent transactions. They opened a claim and gave me provisional credit for the whole claim of {$17000.00}. a few days in they made roughly half permanent while " investigating the rest ''. They ended up denying the second half of the claim, Violating Regulation E, falsely advertised zero fraud liability and caused significant damages. 

Their whole basis was they could only recover half and the bank isnt in business to lose money. They ignored the facts and evidence and violated my rights and many laws. 

If they illegally overdraft my account, I will sue and seek actual damages, statutory damages, economic and non economic damages, punitive damages and legal fees.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (TN)

I spoke with Convergent Outsourcing ( Original Creditor XXXX ) about my account. I told them I would like to make a settlement offer contingent on it being deleted. I was told that if the account was paid at the settled amount that the account would be closed and removed from my credit report within 30 days. As of now, the account is still showing on my report. I have also disputed this account in the past, it was removed, and then added again. 

Additionally, XXXX successfully acquired XXXX as XXXX XX/XX/XXXX, becoming one company and the XXXX brand is officially no more. Since the company of XXXX is closed, this makes the account void. 

Account Info Account number XXXX Collection opened XX/XX/2020 Account type Collection Paid off : 100 %
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

Back in XX/XX/XXXX, it was brought to my attention that I had a collection on my credit report to XXXX in the amount of {$76.00}. I contacted the company and informed them I had never had service or signed up for this insurance and that the charges did not belong to me. I requested a copy of support of me applying for the insurance and informed them that I wanted to file a " Dispute '' with the company. I was under the understanding that this collection was resolved. Now currently in XXXX that collection is still on my credit report and does not reflect a dispute being filed. 
I want this resolved and removed from my credit report since it is not mine and the company has failed to provide me support that I applied or authorized this account. 

Kind Regards
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Heartland Resolution Group, LLC (GA)

On XX/XX/XXXX, I received services at XXXX XXXX XXXX in XXXX, Ohio. After receiving this services, I was charged {$850.00} which I paid in full on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Heartland Resolution Group saying I owed an additional {$420.00} as a result of this hospital visit. Heartland Resolution Group explained in the email that they were a debt collector trying to collect a debt that I owed to XXXX XXXX XXXX XXXX. When I called XXXX, they had no record of my account but said that's common when an account is sent to collection. I then called XXXX XXXX to ask if this sounded like an accurate charge, and they said they would send me an itemized receipt, but in the meantime said that it was POSSIBLE this was an accurate charge as hospital/facility charges and physician charges often come up as separate charges. 

I contacted Heartland Resolution Group directly to ask about the nature of the charges, and they had no details but offered to reduce my charge to {$100.00} if I paid before XX/XX/XXXX. XXXX XXXX was not able to mail me the itemized receipt before this date, so I felt I had no choice but to pay the {$100.00} to avoid paying more later. 

On XX/XX/XXXX, I received ANOTHER charge from Heartland Resolution Group saying I owed the rest of the {$420.00} debt, amounting to {$310.00}. 

Then on XX/XX/XXXX, I finally received the full itemized receipt from XXXX XXXX, and there was absolutely NO record of this {$420.00} charge. 

On XX/XX/XXXX, I called Heartland Resolution Group again to ask what was going on and they said that my account had been sent " somewhere else, '' but they had absolutely no record of where my account went. The representative I spoke to said " I guess that might mean your case is closed, but I don't really know. '' I then asked him if he had record of the {$100.00} I paid, and he said no. I told him I had record of the receipt in my email, and he told me to hold on to that, and that I could go ahead and ignore the {$310.00} charge and " all further communications '' from Heartland Resolution Group.
Consumer complaint received 2022-03-24
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. (IL)

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 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. (TX)

in accordance with the fair credit reporting ( XXXX XXXX XXXX ) account # XXXX has violated my rights. 
in accordance with the fair credit reporting ( XXXX XXXX XXXX  ) account # XXXX has violated my rights. 

15 U.S.C 1681 section 6802 - Obligations with respect to disclosures of personal information ( i have a right to privacy ) 15 U.S.C 168` Section 604. Permissible purposes of consumer reports In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other inaccurate information and account number there's no real investigation ever conducted!! under FCRA section 611 ( a ) ( 6 ) & ( 7 ) i request you to give me full METHOD OF VERIFICATION
Consumer complaint received 2024-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Below are the details of the incident : 1.Original Transaction : On XX/XX/year>, I made a {$20.00} payment for transportation services using my card. This transaction was confirmed via a XXXX card reader when I tapped my Citibank credit card. 

2.Unauthorized Charge : A couple of days later, I noticed a charge of {$310.00} from a merchant named XXXX Lux XXXX XXXX XXXX categorized under Beauty and Spas. I did not authorize this charge, nor did I engage in any transaction with this merchant. 

3.Dispute Outcome : Citibank declined my dispute, citing that the charge was processed via a chip reader. However, I have evidence suggesting that the charge amount was deliberately manipulated by the merchant without my consent.

Evidence Supporting My Claim : 1.Upon reviewing the receipt downloaded from the XXXX website, it is evident that someone intentionally customized a charge amount of {$120.00} ( plus tax ) and added an additional {$180.00} as a tip. These amounts were posted to my account without my authorization. I have attached the receipt for your reference. 

XXXX have made multiple attempts to locate contact information for XXXX XXXX  XXXX XXXX and have been unable to do so. This raises serious concerns that the merchant may be engaging in fraudulent practices, potentially targeting consumers to steal credit card information and post unauthorized charges.

This situation has caused me significant distress. As a long-standing Citibank customer , I am deeply disappointed by the decision to favor a merchant whose practices appear fraudulent and unethical. It is unacceptable for a legitimate dispute to be dismissed under these circumstances.
Consumer complaint received 2022-03-24
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. (FL)

I called you for my disputed items, again for the XXXX time. I did try to call XXXX XXXX to have a settlement, but they ended up asking for XXXX. from a XXXX loan. 
like expected because why would you offer me lower amount when I'm the one calling? 
yeah Transunion should delete this account because it will be 7 years this XXXX. 


You keep telling me that these accounts are verified but XXXX XXXX couldn't even pull my account because the loan is so old. I have everything recorded on the phone where I called them.
Consumer complaint received 2022-03-24
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: Santander Consumer USA Holdings Inc. (NC)

On XX/XX/XXXX a collection for Santander Consumer USA was filed and placed on my credit report. On XX/XX/XXXX I sent over a debt validation letter after months of trying to dispute this fraudulent account on my credit report in all three bureaus. They have consistently stated this account is mine and have not provided any proof nor documents as requested multiple times. They have violated my rights under the fair credit reporting act for not sending me documents to validate the debt nor remove it from my credit report. It has numerously came back accurate with no explanation whatsoever to the credit bureaus. This account has further prohibited me from obtaining other loans and credit accounts and has effected my financially and mentally.