davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
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. (NJ)

I have sent multiple letters to Transunion, XXXX, and XXXX  about these 2 accounts for XXXX both show an account # of XXXX ... .Each time they state that they conducted a full investigation and that the reporting is verified as reporting 100 % accurately ... ..How is this even possible? see the 2 documents that i have attached..this was pulled today XX/XX/2020 and there are multiple violations and inaccuracies. First off neither say in the comments that these accounts are under dispute, secondly experian and equifax are reporting a new charge off ever single month this is killing my credit score ... ..the high credit limits are all reporting different amounts, terms are different, how are they reporting a past due and a balance on a " charged off '' account?, all 3 have different comments, all 3 have different date of last active, As you can see i have listed multiple violations which mean they did not conduct proper investigations and are just pencil whipping their responses they need to be held accountable for these violations
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Upon closure of my company in 2016 I was offered a position in XXXX Fl in which at the time I contact XXXX to cancel service because they were not available in XXXX. Ive called convergent outsourcing to find out that XXXX paces on my credit report for services cancelled with them Ive tried to contact XXXX with no luck to get this fixed and just keep getting hung up on.. theres no way they can charge me for services and place it in my credit if they dont service an area.
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (FL)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-07-02
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. (NJ)

I have sent 3 letters to the credit bureaus XXXX, experian and XXXX  demanding that they investigate the inaccurate reporting and obvious violations that are being reported by all 3 bureaus on this " collection '' account by XXXX  account # XXXX ... each time they come back and say they conducted a full investigation and everything is reporting 100 % accurate so they say that its verified as accurate ... ..how are they saying that they conducted a full investigation and its verified as accurate when all 3 bureaus are reporting different information and violations that are killing my score ... the answer is they did not conduct a full and proper investigation and this account is not reporting 100 % accurate.I have attached documents as evidence. look at the payment history they are all reporting differently, how are they reporting a credit limit on an account that is " charged off '', they are reporting different dates of last payment and date of last active, they did not conduct a proper investigation as required by law
Consumer complaint received 2020-07-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020
Consumer complaint received 2020-07-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Contacted XXXX TransUnion, and XXXX   regarding inaccuracies in reported accounts contained on my credit files on XX/XX/ 2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 day time frame, and I have not received a response regarding dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days..
Consumer complaint received 2020-07-02
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. (OH)

XXXX and Experian are both reporting a collection from a company in the name of XXXX XXXX and the collection references an account with XXXX but I never had my account with them I paid XXXX directly for my balance owed. I disputed the account with the credit bureau and they simply kept it on my file and showing the balance as XXXX. Thats still not okay with me this shouldve never been posted to my credit bureau and I want it removed fairly. 

Thank you
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I feel like im being taken advantage of and being ignored of my disputes. I am not receiving adequate valid verification. I have not received any documentation to corroborate the claim for this negative listing on my Chexsystems report. I am asking to be provided with any and all documents bearing my signature that legally binds and contractual obligation for this account. Absent of these documents you are illegally reporting this negative listing and will be liable to me for the stress this has caused me. Please provide the required documentation or remove this unlawful listing at once. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

# XXXX I have a Neiman Marcus credit card not able to make the high payment and capital one will not work with me due to unemployment because of COVID 19. I can't afford to pay the minimum first payment was XXXX and I gave XXXX. Now I owe a payment on XX/XX/XXXX I have to pay XXXX. I can't afford that amount. I spoke with a customer service rep ( XXXX ) who worked with Capital one bank. She told me the account was closed and there wasn't anything they would be able to do. She said because Neiman Marcus has strict guidelines it wasn't much can be done. She stated since the account is closed I can make any payment I can. She stated I will be still given a late fee and reported to the three credit agencies as of late payment. I need help and be willing to make a payment I can't afford XXXX a month
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

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, and XXXX XXXX XXXX have really dropped the ball here as well as my local branch in XXXX, Florida. This is in addition to my open complaint XXXX SUBMITTED ON XX/XX/2021. Long story short, I closed my account in person with a {$0.00} balance. Over the next few days, I saw activity on the account that I didn't authorize and wasn't informed of. Suddenly they locked my entire access to the account without reason. I can not access my account online, over the phone, or in person. Their phone support puts me through to the fraud team and after an hour+ wait each time, they're not able to assist me. They have promised me a callback over 6 times but I haven't received one.
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (IL)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-02
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. (IL)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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. (MD)

In accordance with the FCRA XXXX account # XXXX, my rights have been violated 15 U.S.C 1681 section 602A states that I have the right to privacy 15 U.S.C 1681 section 604A section 2 states that a consumer reporting agency can not furnish account without my written consent Agency attached 2 hard inquiries on my report to which I have no knowledge, XXXX XXXX and XXXX
Consumer complaint received 2020-07-02
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. (OH)

Equifax and XXXX are both reporting a collection from a company in the name of XXXX XXXX and the collection references an account with XXXX but I never had my account with them I paid sprint directly for my balance owed. I disputed the account with the credit bureau and they simply kept it on my file and showing the balance as XXXX. Thats still not okay with me this shouldve never been posted to my credit bureau and I want it removed fairly. 

Thank you
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On XX/XX/2022, I attempted to request my credit report from TransUnion following their instructions on their website and link to the free annual credit report. It was refused and denied without explanation. I attempted to log into my account on TransUnions website to access my free credit report and access was denied. Representative stated that access to my credit report online is blocked due to the fraud alert on my credit report. BUT IF I PAY FOR THEIR SUBSCRIPTION, THE REPORT IS ACCESSIBLE ONLINE. Transunion is violating federal laws by forcing me to pay for my credit report in order to access it.
Consumer complaint received 2020-07-02
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. (FL)

After XXXX XXXX submitted an improper code to the three credit bureaus that indicated my mortgage loan was in a current loan modification status, causing severe and detrimental decreases to my credit scores, they updated late payments from XXXX, XXXX, XXXX that XXXX, TRANSUNION AND XXXX, further decreased my scores. Why the XXXX would these reporting agencies not know that if I had late payments back in XXXX, XXXX, XXXX that they would have already been accounted for in my credit score back when they were late? Instead XXXX   and TRANSUNION decreased my scores in XX/XX/XXXX for late payments back in XXXX, XXXX, XXXX. 

I have included a letter from XXXX XXXX  that plainly shows that when they updated the information to try to fix the mess they made when they submitted a code to update a remark, these are not newly added late payments yet XXXX score dropped back down to XXXX and Transunion took additional 21 points or so from me. XXXX  showed Current/Never late and they took their opportunity to add these XXXX, XXXX, XXXX late payments onto my account. XXXX is a XXXX company that has done everything in their power to destroy what I have worked so hard to build.
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SD)

ordered a Jersey from XXXX shop online. I used Paypal to complete and pay for the transaction. I picked a credit card for paypal to use. noticed the amount changed on XXXX shop so I left paypal to check the order. found order just updated with shipping and taxes added. went back to paypal to finish transaction and closed all browsers upon completion. went to bank to get some cash the next day and noticed my account was XXXX. looked at history and found Paypal used bank funds to pay for XXXX shop order. contacted Paypal and told them their software wasn't working correctly as I picked credit card to make the payment. they kept repeating it was user driven and they had nothing to do with the choices. no matter how many times I explained it they kept saying user driven, user driven, etc etc. They would take no responsibility for their bad software. Now I have over draft fees to pay due to Paypals inadept system.
Consumer complaint received 2022-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (CA)

Hi, We are a repair facility and XXXX XXXX and Westlake Financial Services have denied to pay a claim that was under their policy. They sold the XXXX  XXXX Warranty product knowing the vehicle is lifted and have oversize wheel and tires. Later when we submit a claim for customer, they declined the claim and said they can not cover the claim. 

Westlake is under the supervision of the CFPB. The CFPB has broad enforcement authority to prevent unfair, deceptive, and abusive acts or practices ( UDAAP ). ( 12 U.S.C. 
5536 ( a ) ( B ) ( 1 ). ) We believe that Westlake and XXXX XXXX took money from customer and still haven't paid the claim we are entitled to.
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NV)

In or about early XX/XX/2021 Amazon Store Credit had owed me {$530.00}. This amount was given to me in the amount of store credit. However, around that time my Amazon account mysteriously disappeared. I had called them over 25 times and no one could manage to find my account or the credit I was given. I contacted my credit card company and told them the situation. They gave me a temporary credit. Then today I find out that they are putting all the charges back on my card. I do not know what to do or how to get my money back.
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (NJ)

XXXX of XXXX XX/XX/XXXX {$2600.00} XX/XX/XXXX. {$1800.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$860.00} None of these are my accounts I contacted them and they don't have any of my real information but experience won't remove these accounts
Consumer complaint received 2020-07-02
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX XXXX XXXX {$120000.00} XXXXT XXXX {$120000.00}
Consumer complaint received 2020-07-02
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX XXXX  XXXX {$120000.00} XXXX   XXXX {$120000.00}
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America notified me of fraudulent activity on XX/XX/17. BofA is still processing the fraud claim ( it was fairly straight forward ) 5 business days later, and will not provide a timeframe for completion, and will not reverse the transaction in the meantime. This is not fraud protection. Absolutely unacceptable performance for a previously bailed out bank.
Consumer complaint received 2021-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

I opened up a Citi Bank account online. At that time I was provided my account number to both my checking and savings account. I was able to make an online account with that information. My landlord needed me to XXXX over some money for the months rent and it gave me an error message of access blocked I called the Citi Bank customer service line and was promised to get a call back by the end of the day. Never got a call back. Called again the next day and one rep told me incorrect information just to get me off the phone saying I had to wait on my card to even make an account and that the block was lifted. So I tried to make the transfer again and it gave me the same error message. I called once again and got the same answer about my account being under review and I will get a call within 24 hours. All in all, my funds are in a jam at this bank and there was no reason what so ever given to me about why my account is under review in the first place.
Consumer complaint received 2019-03-23
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (NY)

On XX/XX/19 I was duped into buying a bed by Mattress Firm in XXXX New York. The salesperson withheld information about returns and lied when he said I could try the bed for 120 days and if I didnt like it I could return it. They sent the wrong base and when I called to have it replaced they said its not returnable. This was clearly fraud. I tried today to file a complaint with synchrony bank card. They have had me on hold 45 minutes. Clearly they dont want to take the complaint. I originally spoke with XXXX who said dhe would file a dispute with the merchant and initiate an investigation. After 28 minutes she said she couldnt file the dispute and I needed to be transferred to a specialist. Im still on hold now almost an hour. She gave me no reference number so I cant even call back and talk to someone else without initiating the whole call again.
Consumer complaint received 2022-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

Trying to obtain original MPNs for my student loans as well as subsequent transfer MPNs. I have contacted the university, StudentAid.gov and FedLoan, the only document I finally received was an MPN for consolidation in XXXX. The original loans were for XXXX, consolidated first between XXXX and XXXX.
Consumer complaint received 2021-03-27
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: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and is being ignored regarding my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.