davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
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. (WI)

In XX/XX/2021, XXXXXXXX XXXX  conducted an investigation which proved the XXXX XXXX XXXX XXXX issued by them was a fraud, and the letter they sent me that I sent to TransUnion stated as such and that the account was removed, cleared my responsibility, and notification to the three credit bureaus. However, TransUnion refuses to remove the hard credit inquiry because it only lists the account as fraud, which makes zero sense because the account being opened required a credit check that caused the hard credit inquiry. I contacted XXXXXXXX XXXX, and they refuse to send a new letter stating permission to remove the hard credit inquiry because they have a " we issue only 1 letter '' rule.
Consumer complaint received 2022-08-08
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. (IL)

I went to dealerships car shopping the past 2 years. I told them I only wanted my credit ran once. They ran my my credit 22 extra times. To these banks listed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXXXXXX XXXX  XXXX Experian XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Experian XX/XX/XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  **** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (NJ)

Received email for new account opened at Truist bank on XX/XX/XXXX. Received a notice of account closure on XX/XX/XXXX, dated for XX/XX/XXXX. Called to confirm cancellation on XX/XX/XXXX. Called was received by and was told to file an identity theft complaint. Was asked for all information, including ssn and telephone number. Was told that complaint could not be finalized without this information. Did not give information. I would like to confirm this account is no longer an issue and that my information is secure.
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (MD)

I received a letter from my credit union on XX/XX/XXXX informing me that all of my existing accounts will be garnished and or frozen, due to the receipt of a writ of garnishment in the amount of {$3000.00}, effective XX/XX/XXXX. In addition, a service charge of {$100.00} had been debited from my account. The letter stated the credit union could not assist me with this matter and to contact a company listed in the letter, in which I have no idea who they represent or who the debt is supposed to be owed to. I have not received any correspondence regarding this matter. I contacted the company concerning the matter and was unable to get any information or assistance. The company requested my full name, social security number, date of birth, and address to even speak with me. I was not comfortable with providing this personal information by phone, especially to someone that I no knowledge of. They told me the conversation was over since I would not provide the information to them, and I can check with the courts. I have not received any court documents regarding this matter either. After spending hours attempting to locate information from the court, I was able to dig up information about a third party that was submitted to the courts in XXXX. This is well over the statute of limitations, and I still have no idea who the original debtor is. The company is submitting falsely dated court documents to the credit union.
Consumer complaint received 2022-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (AZ)

In late XXXX XXXX of XXXX. I received a notice of collection from Frost-Arnett Co XXXX The notice was regarding a medical bill from XXXX XXXX, in the amount of {$210.00}. I called Frost-Arnett in XXXX to resolve this debt. I was informed that my balance was no longer {$210.00} and it would only be {$100.00} to resolve this, since Frost-Arnett took over the debt from XXXX XXXX XXXX I was told that the payment could be made online, and was directed to do so at XXXX. I paid the balance of {$100.00} on XX/XX/XXXX, received a reference number for proof, and a balance of {$0.00} on the website. However, in late XXXX XXXX, Frost-Arnett still reported this balance to my credit report, resulting in a XXXX point drop in my score. I immediately disputed via my credit bureau. Upon speaking with representatives at Frost-Arnett, they admitted that some sort of misstep or mistake was made, and they released incorrect information to my credit report. Showing the debt still owed. I was told by Frost-Arnett that theyd become aware of the issue on XX/XX/XXXX and that it should take up to 30 days to remove the mistake from my credit report. 30 days is a long time when youre trying to find a home. I was given a control number and told that I could try to give this to the credit bureaus, In hopes that it will expedite the removal of their mistake on my credit report. Im contacting you for any further assistance that may be provided. Thank you in advance.
Consumer complaint received 2024-11-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

I received the card as a birthday gift earlier this year. I went to register the card for online use at XXXX, entered in the card number and the 3 digit code on the back and keep receiving an error. I noticed when searching on XXXX that many people have issues with cards linked to XXXXXXXX and that the card being unusable is a common problem.
Consumer complaint received 2022-08-08
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. (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 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 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 2022-03-10
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. (SC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-08-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ADP Inc. (MO)

Someone opened an ADP payroll account, and ran a payroll in my name. With a company started in my name with all my personal information. This is extremely frustrating and unfair Ive been actively trying to resolve this matter to no avail. Please assist me in XXXX a complaint with the company to get this matter resolved immediately!
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I have recently reviewed my credit report and noticed some unauthorized accounts and inquiries. When I called, I was told I had 3 files and they needed to be merged. I did not consent to that, XXXX the rep did it anyway. Once she did that I started receiving updates of hard inquiries that Ive never seen before and accounts. Pursuant to 15 usc 1681a ( 4 ), they did not exercise grave responsibility on my behalf. They were unfair. I never consented or instructed them to furnish this report in the first place. I am demanding that these items be removed asap. They gave violated me under the FDCPA
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

XXXX Opened new account XXXX Can not access to the account ( account blocked ) XXXX Called to Customer Service but hold time longer than 30 min and disconnected XXXX Called to Customer Service but hold time longer than 30 min and disconnected XXXX Called to Customer Service but hold time longer than 30 min and disconnected XXXX Called to Customer Service but hold time longer than 30 min and disconnected I want my fund back and close the account as soon as possible.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've noticed on my credit report there are numerous unauthorized accounts open that do not belong to me and I am asking that these accounts be removed as soon as possible from my credit report as it has now affected my score and these accounts are not mine thank you.
Consumer complaint received 2022-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

I recently sold a house that was under mortgage with Wells Fargo. At the time of the sale, my remaining mortgage was approximately $ XXXX from an original loan balance of $ XXXX ( 65 % XXXX ). Despite the fact that my mortgage had fallen below the value of 78 % XXXX Wells Fargo continued to charge XXXX XXXX  XXXX up to and through the date of the sale of the property. Wells Fargo had sent us multiple documents identifying the approximate value of our property with the most recent one showing a value over $ XXXX. 

Wells Fargo has sent me letters throughout the multiple years that I have had my mortage through them informing me that our PMI was subject to cancellation once the value had reached 80 % ( by request -- which we had done and were denied ) or automatically at 78 % ( which was never completed by Wells Fargo ). 

Due to Wells Fargo 's lack of consistent controls I have experienced potential financial harm as payments were continually applied to PMI that should have gone towards principle and that would have reduced the total amount of interest that the bank collected over the course of my loan. 

PMI is generally applied to lower income families as a method to protect the bank from financial harm upon default by a borrower. The lack of Wells Fargo detective and preventative controls may be causing harm to a large quantity of consumers, many of which may experience financial hardship as a result.
Consumer complaint received 2022-08-08
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: DISCOVER BANK (CA)

I am a victim of ID Theft and elderly financial abuse. 

XXXXXXXX XXXX had done an excellent job of restoring my accounts, minus various debits and attempts to send money to a " XXXX XXXX. '' However, Discover card has not provided a Conditional Credit or permanent reversal for a charge unauthorized to XXXX XXXX in New York, for {$3900.00} on XX/XX/XXXX. After a month and hours on the phone talking and transferring to several agents, payment is coming due. When I checked on line on Disputes, I get " You have no active dispute on file. '' Address is : Discover Financial Services, XXXX XXXX XXXX. XXXX XXXX XXXX. Utah XXXX. 

Please help before my perfect payment record is impacted. 

XXXX XXXX XXXX XXXX XXXX. 
Ca. XXXX ( XXXX ) XXXX
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (NC)

I have been actively trying to repair my credit for a while now. In the midst of me reviewing my report, I noticed that there were a few incorrect items on my report that is negatively affecting my score. In attempt to repair the errors I have sent out multiple dispute letters, without any luck. Most recently, I filed a 609 letter, sent XX/XX/2021, and have yet to receive a response. It is now XX/XX/XXXX and I have yet to get a response, nor have I seen any changes to my report.
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (IL)

THESE INCORRECTLY DOCUMENTED INQUIRIES ON MY REPORT ARE DRASTICALLY DROPPING MY CREDIT SCORE AND STOPPING ME FROM FUNDING I NEED TO SUSTAIN MY LIVING WHILE ALSO DELETING MY CHANCE OF GETTING MY MORTGAGE LOAN AND STARTED MY LIFE 'S PLAN.
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (NY)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2022-01-22
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: EQUIFAX, INC. (UT)

I am filing this complaint against XXXX XXXX XXXX. They negatively reported to my credit report and the other borrowers credit report saying we missed a payment while we are in forbearance I started a dispute with all three credit reporting agencies regarding this on the end of XXXX, but XXXX XXXX XXXX informed the credit reporting agencies that they are not going to remove this missed payment and that the information they reported is accurate. ( letter attached. ) XXXX XXXX lending claims that we missed a payment on XX/XX/2020 in this letter. This was false since the servicer at the time was XXXX XXXX and the letter attached shows that they never reported a missed payment for XX/XX/2020 or any other dates as I was never late.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MN)

On XX/XX/2020, I purchased a phone in XXXX website by using their store finances through TD Bank ( as attached receipt shows ). I was {$660.00} after instant trade-in discount for trading my old phone ( XXXX XXXX  XXXX XXXX ). My phone instant trade-in value was {$650.00} as page tree of attached document shows. Unfortunately, I did not like the new phone, and I returned it with the 30 days of the XXXX return policy. When XXXX processed the return, they already charged me the trade-in discount because they did not receive my older phone. Because I returned the new phone, I did not need to send my phone. 
The TD bank which XXXX uses was charging me late fees for lack of payment. I contacted with them so many times and explained to them that I returned the phone, and my balance would have been XXXX. I also contacted with XXXX, and they were telling you return the phone, so you don't owe anything. 
I was XXXX between XXXX and TD bank to feature out what is going. When I call TD bank, they were telling me call XXXX and when I call XXXX, they were telling me call TD bank. 
In late XX/XX/2020, XXXX figured out that they did charge me the trade in phone but not refunded. But i was getting charged late fees. 

I so many times tried to explain TD Bank and what was going and to waive the fees, but they pliantly refused to do so. They are reporting me to credit agencies with Charge off and late payments.

I even filled out and sent a form they sent me XXXX about the dispute but they have not processed it.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (NJ)

So the report for XXXX is XXXX Ive been trying to dispute first progress for months and Ive asked the dispute representative today XX/XX/2021 what information are they sending to make you say its accurate and the only information they provided is the information that was a result of identity theft which is my name and my social which is really upsetting me as Ive sent several letters to them and even have my account on fraud alert and first progress keeps saying is accurate when its nit they made two duplicate accounts in my name and I want them gone, my name is incorrectly reported by then with a middle initial of XXXX when my initial isnt a XXXX The account has gotten taken off of XXXX and XXXX yet they kept trying to report to XXXX that it isnt fraudulent
Consumer complaint received 2022-08-08
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. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you