davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

All three credit reports have not been updated for 10 years. My information was sold by XXXX XXXX back in 2016 a lock/freeze was done to my credit and paid for by Equifax for a period of one year. I never set anything up it was all done by them. I can not change or update ANY of MY OWN information because I don't have a log in to do it. I have contacted all Three by mail several times threw the years, I have tried emailing them, and I have tried calling. I have gotten no response from any of them and their customer service line is automated crap that has nothing to do with what is going on and no real way of talking to a real person. I have NO CREDIT and the information that is on my reports like I stated before are approx. XXXX years old.
Consumer complaint received 2023-07-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$8400.00} XXXX XXXX  XXXX Balance : {$34000.00}
Consumer complaint received 2023-07-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I reported to TransUnion and XXXX that XXXX is reporting my closed account XXXX as having a high balance of {$29000.00}. 

This is incorrect. 

When the account was closed, the balance was {$120000.00}. XXXX correctly listed the amount while the loan was open, but when the account was closed, suddenly the account had a high balance of {$29000.00}. The interest alone on this account was {$110000.00} XXXXXXXX XXXX practices are deceitful and dishonest. XXXX is making it sound as if this {$29000.00} took 29 years to pay off and its harming my XXXX XXXX.
Consumer complaint received 2023-07-24
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. (NE)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It should be known that TransUnion is reporting information from a account that was closed by original Creditor, sentinto collections, and sold to a Debt buyer named XXXX XXXX XXXX under account # XXXX. XXXX XXXX and/ or TransUnion is reporting information on this report that violates the F.C.R.A. and due process of federal law which is adversely affecting my credit rating. A dispute was filed and denied by TransUnion and updated. Contrary, nothing was corrected so this new complaint is promulgated. A copy of the consumer 's TransUnion report is incorporated as evidence so discrepancies can be ascertained for review. Said errors are as follows : 1. Under Account type, this account is being reported as a open account. This is not a open account!!! XXXX XXXX is a Debt buyer and this account is a collection account. XXXX XXXX  can not extend credit to anyone. XXXX XXXX  can not have a open credit type with anyone and should not be reporting any type of account except collections. Nor do I have any agreements with XXXX XXXX regarding this account. Further more, no collection account should have a account type as open.This is falsely reporting information and should be considered fraud. 2. A balance and past due amount are showing on the account report. This is in violation and or error. XXXX XXXX is a debt buyer and not a creditor and can not report an account as past due or current. By a debt buyer reporting a balance and past due amount is a violation. 3. Date account opened is missing. 4. Date account closed is missing. 5. Date of last activity is missing. 6. Date verified is missing. Errors 3 through 6 make report incomplete and unverifiable.
Consumer complaint received 2023-07-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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. (NY)

Hello my name is XXXX XXXX, 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 change. 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 also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thank You.
Consumer complaint received 2020-07-22
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: JPMORGAN CHASE & CO. (TX)

I contacted Chase to request a credit limit increase on my credit card. I was told that for the increase there would be a hard inquiry. I asked what bureau did they pull from. I was advised by the agent that it would be a hard inquiry from XXXX  only. I made sure to ask this because I did not want a hard pull from my XXXX or XXXX accounts. Once I got off the phone, I realized that indeed the agent pulled from ALL THREE bureaus. This went against what I was told and I immediately contacted Chase to inform them. I was told that it would be reviewed and I would be contacted with results. I was contacted a few days later by a Manager, whom told me that they review the dispute along with the phone call and they agreed that I was told misinformation ; however, they still were not going to get the inquiry removed from all bureaus. I think this is not ethically correct on their part. Because I was told misinformation, I ( the consumer ) am effected negatively. They told me that they would educate their employee on this to prevent it from happening again but that still does not resolve MY issue. Please assist with this issue.
Consumer complaint received 2023-07-24
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: AMERICAN EXPRESS COMPANY (NY)

FINAL DEMAND LETTER BEFORE LEGAL ACTION Defendants Name : American Express Company Defendants Address : world financial center, XXXX XXXX XXXX, XXXX XXXX, ny XXXX, XXXX Re : XXXX XXXX Dispute Plaintiffs Name : XXXX XXXX Plaintiffs Phone : XXXX Plaintiffs Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX Plaintiffs Email : XXXX Dear American Express Company : Please be advised that you owe me the following : 1. Amount Requested- {>= $1,000,000} 2. Description Since XX/XX/XXXX, you have failed to pay me for the damages that resulted from your clear violation of federal online accessibility standards and guidelines. I have documented and saved the list of accessibility violations present in your website as of XX/XX/XXXX. 

Details : Your website does not meet federal accessibility standards and guidelines under the Americans with Disabilities Act of 1990 and Web Content Accessibility Guidelines ( Department of Justice. ) Specifically, you have the following violations and errors present in your website. 

Issue : Missing Language Setting Description : You should set the language for your entire website / webpage to improve accessibility and make your page easier to navigate for screen reader users. 
Legal Violation : 42 U.S.C. 12101 : Americans with Disabilities Act of 1990 ( Title II and Title XXXXII for web compliance ) Issue : Missing Accessibility Statement Description : It seems like you're missing an accessibility statement on your website, which is required in some countries. An accessibility statement is important as it ( 1 ) shows users that you care about accessibility and about them ( 2 ) provides them with info about the accessibility of your content and ( 3 ) demonstrates commitment to accessibility and to social responsibility. 
Legal Violation : 42 U.S.C. 12101 : Americans with Disabilities Act of 1990 ( Title II and Title III for web compliance ) 3. Demands This will be your only chance to settle this matter before I file suit against you in Small Claims Court. I am agreeable to a lump sum payment, or to a payment plan. Please contact me within 2 weeks upon receiving this request or I will file a lawsuit against you without further notice. It is in your best interest to settle this matter before a lawsuit is filed. If a judgment is obtained against you, it will negatively affect your ability to get credit, you will be ordered to pay court costs, and you will incur interest at a rate of 10 % per annum. 

This letter serves as evidence that I have attempted to resolve this matter informally. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-07-23
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been back in forth with these companies for months now. the last letter I received back was on XX/XX/2023, and they are not telling me nothing on why they arent taking these fraudulent accts off of my profile. I have sent the bureaus police reports and letters explaining I was a victim of Identity theft and that these accts do not belong to me. There is a XXXX XXXX and a XXXX XXXX card that arent mine.
Consumer complaint received 2023-07-23
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. (IL)

I have sent several letters and my FTC report, and the company has still not responded. 
on XX/XX/23 i mailed my dispute letter, on XX/XX/23 i mailed my XXXX letters with for me with all the information requested for me, on XX/XX/23 i sent my FTC report and still no response, i requested proof of the allege accounts belonging to me, i haven't received a response. On XX/XX/23 i sent another XXXX letter.
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

When businesses were ordered shut during the beginning stages of COVID-19, my wife was one of the unfortunate employees to become laid off. Due to her income loss, I researched and discovered that I have a XXXX XXXX home loan, which was deemed eligible for a 3 month forbearance. I applied through the Wells Fargo website ( servicer ) and was granted a forbearance until XX/XX/2020 through a letter that was sent to me on XX/XX/2020. 

I received my normal monthly statement requesting payment due on XX/XX/2020 but thought the statements were already generated prior to my application and approval for forbearance. However I received another statement for my XX/XX/2020 payment which included a line item for past due amount and the due date still reflected XX/XX/2020. I was concerned so I made an appointment to visit a Wells Fargo Banking employee in person to discuss this situation. When I arrived, I was told the banking employees were not able to get involved with home loans but that the employee would try to call the home loan department and find out what was going on. After the employee spoke to the home loan representative, the employee told me that everything was fine and that the home loan employee was showing the account was in forbearance and not past due or at risk for foreclosure. 

I then received my XX/XX/2020 statement and the statement still reflected that I had overdue payments that were owing since XX/XX/2020 in addition to a separate letter that stated my account was in past due status and that failure to bring your loan current may result in fees, the acceleration of your repayment terms or the possibility of foreclosure. 

I attempted to call the number on the letter but was unable to speak to a representative due to the extremely lengthy hold times ( my cell phone battery ran out both times that I tried to wait to speak to someone ). I called many other times but was greeted with the extremely long hold times recording. 

Due to the threat of foreclosure, I diverted funds from other obligations so that I could pay my account in full to avoid foreclosure.
Consumer complaint received 2023-07-23
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. (GA)

In accordance with the Fair Credit Reporting act these accounts XXXX. XXXX, XXXX XXXX, and XXXX , XXXX XXXX XXXX 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 2020-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Conn's, Inc. (AZ)

Ive reached out to Conns several times one of which was yesterday for help/assistance with my Conns bill. Due to COVID 19 I was advised I could call by a rep from the company if I was having difficulty paying my monthly bill. I reached out to them after my account was past due since that is one of their requirements before they can help you with a payment arrangement. I also received an email from conns stating that they can help with lower payments. When I called I was transferred to a supervisor from billing which denied me any form of help. I just spoke to someone again today and she said they do offer help. She transferred me again to billing and still theyre not offering me any reason for not helping me or any assistance. Ive done what they asked waited until my account fell behind to ask for help now they refuse to help me and now Im being told my account has to be 23 days past due before they can help me.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (MI)

I have an account with American Express that I fell behind on payments due to a financial hardship. The account is now closed and sent to a third party collection agency. I have tried resolving the balance by contacting American Express and they have told me that the account is no longer with them and will not accept my settlement. However, they are still reporting to the credit bureaus that my account is delinquent every month even though they no longer have the account for me to pay. The Fair Credit Reporting Act states that credit companies can not ding my account every month for a charged off account.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

Over the last ten years, USAA bank has reduced auto pay based on additional payment. The process of increasing my credit limit and fix auto-pay to keep balances high has cost me thousands. The system does not allow me to pay an additional payment and use auto-pay without reducing the auto-pay amount. The company would not allow that.

Bank also, changed my credit card to visa dropping my credit rating and impacting insurance.

The company states it too confusing to provide a principle payment option to pay the bill.

Also, the company increased my credit limit without me asking.
Consumer complaint received 2023-07-23
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/chargeoff, as well as that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit. ) These student loans have been consolidated. The bureaus initially corrected the balances to report {$0.00} however, they are still reporting the accounts as late and as a collection/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-02-10
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. (TN)

In XX/XX/XXXX, I received a letter in the mail about a bankruptcy, but I didn't pay much attention to it because my names was misspelled and I knew I had never filed for a bankruptcy so I just left that alone. In XX/XX/XXXX, I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XX/XX/XXXX and I was denied again and I was not understanding why so I finally lit up and ask the salesman to show me my report and I wish I would of done this along time ago I was furious to know I had accounts opened under my name that I never ever opened and even more shocked when I saw the bankruptcy 's. I have never filed for bankruptcy in my life. The things I am reporting from my credit report do not belong to me. Please remove these things from my report.
Consumer complaint received 2020-02-10
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. (TN)

In XX/XX/XXXX, I received a letter in the mail about a bankruptcy, but I didn't pay much attention to it because my names was misspelled and I knew I had never filed for a bankruptcy so I just left that alone. In XX/XX/XXXX, I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XX/XX/XXXX and I was denied again and I was not understanding why so I finally lit up and ask the salesman to show me my report and I wish I would of done this along time ago I was furious to know I had accounts opened under my name that I never ever opened and even more shocked when I saw the bankruptcy 's. I have never filed for bankruptcy in my life. The things I am reporting from my credit report do not belong to me. Please remove these things from my report.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

XXXX XXXX has promised via mail that they would report a XXXX ( {$0.00} ) balance to all credit bureaus concerning my previous XXXX XXXX account. This has not happen as of yet. I was a responsible consumer and have paid my obligation. Yet, I have been dealing with the problem for two ( 3 ) years with a lot of run around and no resolution. Please see supporting documentation as proof.