davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2020-08-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

No matter what I do Experian is constantly keeping my credit low. Not only are they keeping my credit low because I believe they want me to use Experian XXXX but they are recommending me to apply for certain credit cards which is dropping my credit even more because now I'm seeking credit. 

They are keeping my credit low but the reasons they are giving me are not correct. My file claims I have recent missed payments but in the descriptions it says 1. Your most recent missed payment happened Unknown I will attach this in a screen shot. What is " unknown ''? Screenshot # 2 2. They are dropping my score because I have paid down 61 % in 2 open loans that I have. One is a self credit builder loan which I owe {$220.00} and my other loan I am keeping open to build credit is {$950.00}. I have now paid both of these off because I guess having {$1100.00} in open credit is considered high risk? I can't win with this credit company. They are destroying my credit which is ruining my life at this point during a pandemic. Screen shot # 3 and # 5 3. Telling me to apply for credit cards which I should be able to get. But Once I do this they lower my score even more and then tell me a reason my credit is so low is because I am seeking credit. If I follow Experians advice they are lowering my credit EVEN MORE! Attached screenshot # 1 All of these new fico scroes are UNFAIR. They keep coming out with new Fico scores that are INSANE! The auto fico has me listed at XXXX but I'm close to 700 at other credit reporting agencies. This is a scam. They are working with lenders to INCREASE RATES.  Anyone can just say oh we are going to use the auto fico score so we can charge you an insane interest rate. This is totally unfair to consumers Attempting to call the company goes no where. I was on the phone with XXXX at XXXX EST XX/XX/2020 and was told that their score is based on the information that they have. I can see the information in my report but it's clearly not the same information they are using to calculate the score. Why is the fico 8 from Experian much much worse than the other companies? No one can answer this question. When I asked to dispute an error I was told to do it on the website but you can only dispute one time. And I couldn't dispute on the phone because of course they are closed. Seems like this process is much more difficult than it needs to be to keep rates higher for everyone. 
Disputing errors on your report clearly doesn't improve your score as much as it should. They are not being clear about their scoring.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Experian is reporting a balance due of {$9000.00} owed to XXXX XXXX. There is no balance due. I have even gotten a letter from XXXX XXXX stating no balance is due. The loan was a lease through XXXX XXXX The car was totaled by a driver who hit me in the real. My GAP insurance covered all the outstanding balances that the insurance did not cover. XXXX  and XXXX have reported on my credit the balance due is XXXX. Paid as agreed. Despite sending that information to Experian they have not hanged how they are reporting this. Its causing a big problem with my attempts to refinance my home. I need some help
Consumer complaint received 2020-08-23
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. (WA)

Letter was sent to Transunion dated XXXX in regards to permissible purposes Title 15 US Code 1681n. Transunion then sent a letter stating they could not find a consumer file for I the consumer, ( I also put a freeze on my credit report ) Transunion Never answered 15 USC 1681n. Transunion sent a letter to I the consumer dated XXXX stating they could not locate a file with the consumer 's name I then sent a certified letter to Transunion regarding method of verification XX/XX/XXXX received XX/XX/XXXX XXXX. Again Transunion could not locate a credit file. Transunion has violated several rights protected by the FTC. Transunion did not remove some items on my credit report that were discharged in a chapter XXXX bankruptcy. My well being has been affected by this several times seen and unseen damages. I have tried several times to correct this. I have uploaded violations to be addressed, reason being is I have been ignored several times and willful non compliance has been committed against I the consumer. I ask that Transunion pay for violations, I ask that Transunion execute every condition that I the consumer have requested under the pursuant to Title 15 US Code Trade and Commerce within the laws of the United States of  America and that Transparency ( Executive Order 13892 October 9, 2019 ) be enforced.
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Wave Financial USA Inc. (TX)

I have a. Account with wave financial ( my.waveapps.com ) My user name is XXXX. 

My account has been disabled & I have been unable to reach customer service regarding this issue. The website is used to invoice, quote & do bookkeeping as well as take payment from customers & transfer those funds to your bank account. 

This issue has been ongoing for 5 days & my business has been paralyzed costing me money & opportunity.
Consumer complaint received 2021-10-05
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: EQUIFAX, INC. (AZ)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2020-08-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Eagle Accounts Group, Inc. (MI)

The friend of the court in XXXX, Michigan sued me for a debt that i know nothing about and still moved forward even after i asked them for the contract that i signed for the debt without them validating anything. This all started on or around XX/XX/2019. I have contacted them and told them of the mistake, but they still pushed forward. They never served me properly and never had a cause of action for the suit. They have falsely reported this on my credit report. They have slandered me publicly by putting my face on a wanted poster. They had my drivers license suspended all with no validation of anything.
Consumer complaint received 2023-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (NJ)

I had a bill from XXXX Bank XXXX for {$410.00}. I paid this on XX/XX/2023 directly to XXXX Bank XXXX XXXX. I am getting text and phone calls from Frost-Arnett to collect the debt. I told them it was paid. I called XXXX Bank XXXX twice to confirm and they tell me they notified Frost-Arnett XXXX I have spoken with Frost-Arnett 3 times and they are demanding I show them proof I paid. I asked them to call the client and they say they can't. I ask them what they are going to do with a credit card statement I provide them and they tell me they will provide it to the client. I explain they do not need to as it is paid, just call. They just continue to harass with texts and phone calls.
Consumer complaint received 2020-08-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have filed a dispute through XXXX XXXX XXXX. The company, XXXX have not replied. This company is working for Capitalone Bank. While I wait for them, the wrong information they put on my file is still in my file. 

I also have inquires in my account that I will imagine is related to this people. 

I have two credit inquires that they need to take out of my account. I am a victim of credit card fraud. I have also filed an FTC report. 

Just wondering what gave this people permission to put this false information in my file.
Consumer complaint received 2020-11-02
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. (IL)

My identity has been seriously compromised by on line identity theft and it has left me with issues unknown and unauthorized by me. Prior to my wallet was stolen and reported so this is an recurring issue. The following accounts are an aftermath of the fraud. I'm demanding that the credit reporting agencies remove and block these accounts immediately. 

1 ) XXXX {$71.00} 2 ) XXXX XXXX XXXX {$30.00} 3 ) XXXX XXXX XXXX {$680.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX  Card Services 7 ) XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (GA)

I got a self account in XX/XX/XXXX and finished paying the loan in XX/XX/XXXX. I was supposed to receive a payout in XXXX days. I am XXXX weeks out and I still have not received a payout. I called on XX/XX/XXXX and was told there was an error on my account preventing my payment but I would have to email the account recovery team. Why should I have to email someone when I'm on the phone? The person I was speaking to told me there was nothing she could do about the fact that I never received a payout and I needed to email the company to see what happened to it. This is unacceptable. Why do I have to reach out if there is an error on my account? And if I never called to inquire about my account I never would have known. I am being given the run around about my money which XXXX not be anything to them but its SOMETHING to me, a hard working woman. Self Inc are scammers!
Consumer complaint received 2022-10-31
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. (SC)

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX SC, XXXX XX/XX/XXXX Last 4 of SSN : XXXX XX/XX/XXXX To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter filed with the CFPB. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible. 


Personal Information : XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXXXXXX XXXX XXXXXXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX Employment : XXXX Local Account History : XXXX XXXX XXXX, acct # : XXXX XXXX, acct # : XXXX XXXX XXXX, acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # : XXXX XXXX  XXXX XXXX  XXXX XXXX acct XXXX : XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ). 

Sincerely yours, XXXX XXXX
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

I was on E-Bill with XXXX. I had a very high amount at end to pay. I been making payments during covid to pay off the balance. I have not had service since XXXX and been making payments to pay off the bill. 

I was never made aware that a collection was going to be put on this account since I was making payments with the company. The rep that spoke with me was XXXX # XXXX. She advised she was XXXX   XXXXXXXX XXXX XXXX. I work for XXXX XXXX XXXX XXXX and the employee id 's are XXXX digits. She was not in fact XXXX, and advised there was nobody above her I can speak with. She was very rude and unprofessional I informed her I was making payments to pay this balance off. She also kept saying they sent notice to collection but said I didn't give correct address. She couldn't give me any details to what address she is showing. The letter to this collection is the correct address I am living at. If they sent me this letter ; they must know the address. She was rude and would not provide any of these details.
Consumer complaint received 2020-08-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had 2 separate charges on my credit card from XXXX for {$19.00}. I initially called XXXX to resolve this issue with them, but was told that they could not credit my card back for these erroneous charges, that I would have to dispute the charges with my bank and then they would credit back my card. I was told by XXXX that the account would be closed therefore no further charges could be made and that the account was not in my name. Additionally, they do not require a zip code, nor the CVV code to open the account. How irresponsible is that and my credit card company will not back me up on this either. Please see the attached correspondence to which I responded promptly each time I received a letter from B of A. They are telling me that I opened this account myself, which is a total fabrication. 

XXXX XXXX XXXX
Consumer complaint received 2020-08-24
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: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX XXXX {$1200.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$190.00}
Consumer complaint received 2021-01-21
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. (IN)

XXXX sent a letter in XX/XX/2020 Acct # XXXX Derogatory mark {$5500.00} I've sent a letter asking them to explain this debt to me as well as another letter and no follow up yet. 

Transunion sent letter in XXXX XXXX Acct # XXXX Derogatory mark {$550.00}, Acct # XXXX {$550.00} Transunion sent XXXX XXXX XXXX Acct # XXXX {$7900.00} I've sent a letter asking them to explain this debt to me as well as another letter and no follow up yet.
Consumer complaint received 2020-08-24
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, I was notified that our bank account had insufficient funds. After checking online, I realized that a check I had made out to our Water Department for the amount {$31.00} was fraudulently changed and made out to an individual named XXXX XXXX in the amount {$5400.00}. I told the bank I do not know a XXXX XXXX. 
I also told the bank that I had the duplicate copy of the check. 

I have yet to hear from the Bank of America. I have called numerous times for updates and each person I speak to they say it is under investigation. 
The bank will not allow us access to our money and we are unable to pay our bills. 
Some of our creditors have started to assign fees to our accounts and are showing payments as being late even though I have notified them of the situation.
Consumer complaint received 2022-09-20
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: WELLS FARGO & COMPANY (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX, XXXX XXXX XXXX, WELLS FARGO CARD SER XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}