davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureau TransUnion is not complying with their own policies in a timely manner. I submitted a dispute via mail 30 days ago on XX/XX/2021 to remove negative and inaccurate items on my credit report and i still have not received a response.
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Since XX/XX/2018 I have been in contact with customer service from Capital One regarding my 0 % Introductory APR for my Venture credit card. Even though this was promised I never got the this offer. Thus far until yesterday, XX/XX/XXXX, I have tried a total of 5 times to resolve this issue but have been denied my request due to insufficient documentation. All document in my possession, including the proof this as offered to my was sent to the company. According to them they never received my first correspondence that included the original welcome letter which stated the 0 % Introductory APR. When asked to reprint the welcome letter, which includes the 0 % Introductory APR, the supervisor said they only print it once and to her knowledge she had no idea why the company does this nor they keep these kind of records. She suggested that thus far I have not further disputable rights and the next step would be to dispute this at a corporative level. No further information was provided to resolve this issue. 

Please let me know what could be my next steps. 

Thank you!
Consumer complaint received 2022-02-04
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. (TX)

After being denied credit, I pulled my report and noticed several loans I did not obtain. All loans were taking out during the same time frame, obtained online and used my old address, a different variation of my name and or the wrong or variation of my social ( ex : just the last 4 digits but not the full social ).

I contacted the credit bureaus and was told to obtain a police report, get a signed affidavit of identity theft and report the accounts to the federal trade commission. per the bureaus request I did all of these things and sent them a packet certified mail with the information.

In turn the bureau did not : 1 ) properly investigate my claim 2 ) will not inform me of whom they spoke with concerning their so-called validity that these accounts belong to me.

All the bureau did was place an identity theft alert on my file BUT told me I wasn't an identity theft victim which makes zero sense!!!! two of the accounts, have been removed/blocked before but the bureau keeps allowing the reinsertion without proof it is mine and despite the fact they keep changing their name but has the same account number.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2019-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

I defaulted on student loan serviced by AES from XX/XX/XXXX-XX/XX/XXXX due to hardship. My husband was XXXX  leaving me to pay many bills debts, lawyer fees alone for a year. AES closed account & listed as defaulted on my credit report causing my credit score to drop over 100 points. 
My loan has since been transferred to PHEAA & reported as new loan on my credit report. for nearly the same amount as my original loan with AES. This loan amount also includes astronomical collection fees which I find unfair considering these two companies are within the same entity. 
In XX/XX/XXXX I began receiving letters from PHEAA, threatening to garnish my wages if I didnt establishment payment agreement by XX/XX/XXXX.

XX/XX/XXXX I submitted Tax info & established payment arrangement with PHEAA and made a payment of {$200.00} via AES. I found this odd my payment was accepted by AES however, PHEAA is tacking on collections charges.

I openly expressed I could not afford this payment agreement despite this being the amount established based on income, dependents and bills incurred monthly ; which I believe has been calculated incorrectly. PHEAA was unable to lower monthly payments & assured me XXXX dollars is enough to survive for a month with two dependents not including self. 
XX/XX/XXXX I receive letter from PHEAA stating my new payment would be {$230.00} despite {$200.00} agreement based on info. Submitted via email. XX/XX/XXXX I call PHEAA to figure out why my payment amount changed. I was told I provided incorrect info. Even though I submitted all financial info. Via email same day. I was also told that my {$200.00} would not be applied to agreement until I pay {$32.00} more. Customer service rep. Was also incredibly hostile with providing answers to my questions. 
I was also informed PHEAA couldnt provide me with an account statement & collection cost bill. 
I also feel the school I attended should have been responsible for said loans considering The school closed and defaulted on promises made when I originally signed the loan agreement which was lifetime job placement and refresher courses. I have not worked in the field in which loan was acquired for since the demise of that school
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hi, My name is XXXX XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : US DEPT ED XXXX DEPTEDXX/XX/XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (CA)

I do not have any responsibility for ACIMA is trying to collect. In XXXX, I was charged a payment by ACIMA without my permission, and I disputed this information immediately with XXXX XXXX, who returned the funds taken. I have not had funds taken since that date by ACIMA, however I have discovered a XXXX term lease from ACIMA CREDIT XXXX XXXX  with an original balance of {$1700.00} opened in XXXX of 2020 on my credit report. This reporting is inaccurate because I am unfamiliar with ACIMA CREDIT XXXX XXXX, and did not sign up for ANY lease, loan, rental or purchase agreement in the month of XXXX at all. I have no information at all received from ACIMA in regard to this debt or any attempt to collect this debt besides the attempt to take funds from my account without my permission, and ACIMAs reporting of the debt on my credit report. 

I attempted to call them to get information, they are unfamiliar with my contact information. I emailed their fraud department which sent an automated response to reach out via phone, so I am being sent in circles. 
I am also sending a letter to their business address directly, but I never opened any account with this company, and have never received any information as to any agreement I signed, nor any invoices or bills regarding payments due.
Consumer complaint received 2019-04-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (VA)

Please reference prior complaint regarding the unprofessional service from Home Point Financial. Although the recent complaint has been closed out ( XXXX ), I am still unable to get a response to either my written and/or voicemail requests for status on a progress payment due to my contractor for which Home Point Financial has had the funds to pay for many weeks. Although there was an inspection by both the county and their subcontractor on XX/XX/XXXX ( both inspectors passed the pre-drywall closure work stage ), Home Point continues to be unresponsive to both myself and my contractor, whom I have granted authority to communicate with them directly. 

At this stage, all work to be performed by the contractor was completed as of XX/XX/XXXX with the exception of the glass enclosure, which is to be completed by a glass company acting as a subcontractor of my contractor. 

I am stuck and have had to negotiate with the contractor to continue work as they wanted to stop as a result of not receiving the progress payment.
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

A collection company by the name of ERC sent a letter by post addressed to me using my maiden name ( married XXXX yrs with using married name ) that I had a debt with a phone company that I previously shut off services with. I closed the account satisfactorily, because they sent me a refund check due to the billed amount was more than the charges incurred due to mid-month shut off. 

Had all the ear-markings of a phishing expedition 1 ) Account number is wrong 2 ) Addressed to me in my maiden name ( 17 years married using my married name ) 3 ) PO Box address in the From line is from Pennsylvania and the PO Box address to line is to Florida
Consumer complaint received 2019-04-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BOK FINANCIAL CORP (AZ)

i have contacted XXXX XXXX XXXX multiple times and found out when i went there in person they are now BOK financial. XXXX XXXX XXXX XXXX, XXXX XXXX. they gave me the phone number in XXXX Oklahoma for the mortgage portion. XXXX spoke to XXXX and then supervisor XXXX XXXX and i requested the information, he refused to give it to me. 
i requested a payoff amount they refuse to give it to me because im not the original person on the loan, it is my parents and they are both dead.. my name is on the deed with rights of survival ship i and the mortgage company 6 times have sent death certificates and copy of deed also my ID showing who i am and the i am the legal owner of the home being sold. when i called him he asked for my middle name aso its XXXX a very XXXX name and their attitude was worse, not only are they not allowing me my legal roghts to know how to pay off their loan in good faith, but they are also RACIALLY DISCRIMINATING me because in XXXX and i don't live in Oklahoma. i am requesting immediate assistance in this matter and a attorney to sue them for breach of contract and stress pain and suffering can you help me. my escow manager in charge is XXXX XXXX at lawyers title in XXXX Arizona XXXX can confirm all documents were sent. XXXX XXXX went as far as insinuating that she was lying about sending documents and requests. considering were in mourning over the recent death of my father they are being unjustly unfair.
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I had an impound account with XXXX XXXX. In XX/XX/2019, I was contacted by SP Servicing Company. They now have my account from XXXX XXXX. 

This is a SERVICE company in Utah. If I do not accept automatic withdrawals, I have to pay to pay. If you pay through the online service, there is a fee, if you pay over the phone there is a fee, if you pay through the website there is a fee. US postal is available but if it arrives late, I will be charged even larger fee. 

I don't want a service company. This is awful and very difficult. I have no records of anything.
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a credit card account with Bank of America I have my payment on auto pay and they switched my due date causing my payment to be six days late and this caused me to have a late payment showing on my credit report this is stemming back to you XX/XX/2016. I contacted Bank of America and they told me that they can not correct the information as the credit bureau will allow them to. 


XX/XX/XXXX - XX/XX/2016 2016
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: WELLS FARGO & COMPANY (TX)

I added {$1400.00} from my Wells Fargo checking account to XXXX XXXX on XX/XX/21. The transaction was declined by Wells Fargo and they sent an email with the declined message. The {$1400.00} was withdrawn from my checking account instantly on the same day. When I called Wells Fargo I was told there was a system issue and to call back tomorrow. I call on XX/XX/21 and spoke with four different bank reps who all say this is a known issue but my funds cant be released until their investigation is completed. I am stuck waiting on their resolutions team to correct this issue while I cant access my funds.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX  XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Deleted + 'icon ' Deleted XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains FTC was filed address was wrong took more than 30 days even law with covid gives creditors 45 days has past those violations in DAYs Fcra said if items are not 100 % accurate which I have proved in previous disputed items how can the above creditors deem this CORRECT
Consumer complaint received 2022-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (TX)

I got a auto loan with Honda Finance Service XXXX  : //my.americanhondafinance.com/XXXX My ACCOUNT # XXXX. 
I purchased XXXX XXXX 2019 with Honda financial service fixed rate. 
I have been monitor my account & they changed the payment amount & sometimes, they debited double without changing the payment term. 
I request audit my loan account. 

American Honda Finance Corporation XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2019-12-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the CENTRAL LOAN/CENLAR partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-12-29
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. (MD)

EQUIFAX IS REFUSING TO CHANGE MY SCORE. THEY ARE DELIBERATELY MANIPULATING MY SCORES. THIS IS OBVIOUSLY RETALIATION FROM PREVIOUS FILING WITH CFPB. THEY HAVE NOT CHANGED MY SCORES AGAIN. 
EQUIFAX HAS BEEN MAKING ILLEGAL CHANGES TO MY SCORES. THEY CHANGED MY BIRTHDATE. THEY PUT ME ON A SECURITY FREEZE. THEY ARE CONSISTENTLY THE LOWEST SCORES OUT OF ALL THE BUREAUS. THEY DECREASE MY SCORES ILLEGALLY ALL THE TIME AND IGNORE CHANGES IN MY CREDIT HISTORY.
Consumer complaint received 2022-07-28
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. (NY)

This item were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any item or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-06-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2021 I received my consumer report from Transunion stating the account XXXX was verified. I sent the credit reporting agency an affidavit letting them know the account does not benefit me the consumer and that the account should be deleted. An affidavit unrebutted stands as truth. 15 usc 1681a ( 2 ) ( A ) ( i ) mentions exclusions on a consumer report. Since they stated they investigated it and it is accurate I'm asking who did they interview pursuant 15 usc 1681a ( e )? The reporting agency is supposed to interview my family and associates but they have failed to do so. They did not properly verify anything instead they continue to report and break the law by saying the account has been verified when it has not. I've also let transunion know that no factual information can be on a consumer report pursuant 15 usc1681c. Transunion continues to report an account that does not benefit me. I've never given them written consent in the first place pursuant 15 usc 1681b ( 2 ). I'm instructing Transunion to remove the account XXXX immediately.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

On XX/XX/XXXX I deposited a large check and was told it would be held 5 days I asked why they said its policy I said well you just hold it till it clears right she said no 5 business days what gives a bank the right to hold funds from me that have cleared this is obscene in a constitutional democracy I understand holding it till it clears but banks use privilege given to them by the federal reserve to punish and discriminate the fact is with todays technology the banks receive the funds almost immediately to hold your money after they have received the funds is and should be criminal
Consumer complaint received 2022-09-20
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, XXXX XXXX, XXXX, Account Opened : XX/XX/20, 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 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2019, I applied for a XXXX XXXX with CAPITAL ONE. The card was denied because they said XXXX did not have my phone number. It is public and remained the same for the same number of years that I had a MasterCard open with them. I had no balance on that card and wanted one without an annual fee and rewards that I could use to visit family. My record with XXXX was not frozen, but CAPITAL ONE said it was. I closed the Master card that day and do not know what kind of business CAPITAL ONE is running.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2019, I applied for a XXXX CARD with XXXX XXXXXXXX. The card was denied because they said EXPERIAN did not have my phone number. It is public and remained the same for the same number of years that I had a MasterCard open with them. I had no balance on that card and wanted one without an annual fee and rewards that I could use to visit family. My record with Experian was not frozen, but XXXX  XXXX said it was. I closed the Master card that day and do not know what kind of business XXXX XXXXXXXX is running.