davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent in letters to XXXX to have 10 accounts and 5 Inquiries removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened. 
On XX/XX/2022 and XX/XX/2022 I sent in letters to Transunion to have 8 accounts and 5 Inquiries removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TX)

On XX/XX/2022 I tried paying a bill for XXXX with available funds and they did not let it go through this was my first purchase within 24 hours of last use I have the card holder agreement form with withdrawal and fees/ deposits information on here it says withdrawal daily limits for ATM are 10 transactions up to XXXX I was only able to take XXXX out of ATM and it was stopped. It also says maximum daily debits limits are20 transactions up to XXXX I have only made to transactions of XXXX via debit on XX/XX/2022. I went to a bank teller to try and withdraw cash and the card would not read all my transactions are block or declining and I contacted the company and they told me they don't know why I can't use my funds available I had XXXX when attempting these transactions can you all help me get access to my funds when needed the company is U.S Bank Reliacard thanks
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2020-04-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

Chase failed to reconvey a HELOC that was opened in XXXX and later closed in XXXX when I refinanced with them. I recently had trouble refinancing my first mortgage and thanks to the title company accepting proof this account was closed I was able to move forward with my refinance. However, I want this fixed and for Chase to issue and record a reconveyance as they should have.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

I sent a payment for {$20000.00} to Barclays to pay off a card. They informed us they did not receive it and should send another payment. In the meantime, they cashed the first check and applied it to the wrong account, then cashed the second and applied correctly to our account. After numerous calls the acknowledged their mistake and said it would take at least 30 days until they can return the {$20000.00} they mistakenly applied to someone elses account. I cant wait 30 days for a mistake they made, its $ XXXX!!
Consumer complaint received 2022-08-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I XXXX XXXX have been having a credit card collection debt on my account. The credit card collection is using INcorrect opened account date that collection remains on my credit after 8 years meeting FCRA requirements. 

Information of account : Original account : XXXX Opened date : XX/XX/XXXX Closed date : XX/XX/XXXX Collections account : MIDLAND FUNDING LLC Opened date : XX/XX/XXXX Closed date : Remains open. 

The collection on my credit report should have been dropped off from my account as of : XX/XX/XXXX. The collection remains on my account as opened using the Incorrect opened date. Collections agency MIDLAND FUNDING LLC opened collections on XX/XX/XXXX as opposed to XX/XX/XXXX.
Consumer complaint received 2022-08-02
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: Financial Credit Network Inc (CA)

I've tried to dispute this transaction on my credit report due to fraudulent activity and it's been denied. 
On XX/XX/2018, FINANCIAL CREDIT NETWO has placed a collection depth for the amount of {$1200.00}
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

there's something wrong with the software, or programming, when trying to log on and resetting the password. The same information used to pay as a guest is rejected when trying to reset the password. The same information used to pay as a guest is rejected, in fact, for trying to do anything else. They system rejects the information saying it doesn't match their records. If you try to reset the password the system gets stuck buffering indefinitely. Then, if you use " live chat '' the agents direct you to use that very same process. Two different agents gave me two different links. One told me that the link I had been using before the password issue was the wrong link. The other told me to use another link as well. Which turned out to be the same link I had been using all along.
Consumer complaint received 2022-08-02
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # 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. Furthermore, XXXX XXXX XXXX is reporting conflicting information on my report. In the Additional Information Section it states, " Between XXXX XXXX and XXXX XXXX, your credit limit/high balance was {$5500.00} ; '' however, they are reporting an amount due of {$9900.00} as of XXXX XXXX Please review the attachment as confirmation of these facts.

" FURTHERMORE, UPON A FULL INVESTIGATION XXXX AGREED WITH MY COMPLAINT ON XX/XX/XXXX AND PROVIDED THE FOLLOWING RESPONSE ( SEE ATTACHMENT ) : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. 
XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXXXXXX THIS ITEM HAS BEEN UPDATED TO REPORT AS PAID IN FULL. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, ADDITIONAL INFORMATION We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With XXXXx, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. ''
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (OH)

I called US Bank about their platinum credit card. At the end of our conversation I told the agent that I was not interested and that I needed to shop around more And that I might give them a call later on that week if I dont found a better offer. 
Today I am receiving an email saying that I have an account with them and that my card is on the way. I called them to cancel the account but a customer service told me that they were going to transfer me to the right person and then I was hang up on. 
I am worried that they will send a report to the credit bureau and therefore impact my credit score.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (TN)

EXPERIAN IS AND HAS REFUSED FOR NEARLY A YEAR TO DELETE ACCOUNT ( XXXX XXXX  ) WHICH WAS ASSOCIATED TO AN ERRONEOUS, BUT NOW ( DELETED ) XXXX XXXX BANKRUPTCY. THIS ACCOUNT HAS AND CONTINUES TO AFFECT MY CREDIT WORTHINESS. I HAVE A XXXX FICO SCORE, BUT AM BEING DENIED LINES OF CREDIT DUE TO THIS ERROR! I WANT THIS ACCOUNT DELETED NOW!
Consumer complaint received 2022-08-02
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. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I request for an investigation to be made to remove the following late payments from my credit report : XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-08-02
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My contact is XXXX and I have multiple products with capital one, specifically this issue credit cards, ending in XXXX and XXXX. Last 4 of my ss XXXX I have now gone thru 3 identity verfications process with photos, calls to my bank, bank statements, etc over the last 3 to 6 months, each time resolved I'm now on my 3rd time of the same process over 6 months You outsourcer in the XXXX dropped the ball several times. 

Now being told again 14 to 20 days after working on this matter for the last 2 weeks. That would be a total to 4 to 6 weeks, 3rd time with this process I would like someone in mgmt to review why this is happening and get to a resolution please
Consumer complaint received 2022-08-02
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. (IL)

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2200.00}
Consumer complaint received 2022-08-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Recovery Specialists, Inc. (KS)

Account recovery specialists bought medical bills that were not verified nor sent to my home address, stating debts were due under my name. it looks as if acct specialists have broken down medical debt in small cash increments flagging my credit report a numerous amount of times.
Consumer complaint received 2022-08-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.
Consumer complaint received 2022-08-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.
Consumer complaint received 2022-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I had XXXX vehicles financed through SunTrust Bank. A XXXX XXXX and XXXX XXXX XXXX. From day XXXX to date, I never missed a payment nor have I been late. XX/XX/2022 I made my XXXX Payments with XXXX separate payment coupons XXXX for the XXXX and XXXX for the XXXX XXXX. The cashier posted both payments on the XXXX truck and nothing on the XXXX XXXX but gave me receipts for both separate vehicles ( I do have ever receipt for every payment made on both vehicles ). SunTrust since sold their bank to Truist bank and I have since traded the XXXX XXXX. I have went back and forth with Truist Bank and the last offer they gave me was they could refund me the late fees and fix my credit but not my payment. In order for them to refund my payment I need to bring the title of the XXXX XXXX to them then at that time they would reverse an credit the payment back to the XXXX XXXX. I do not have that truck because I traded it for another truck in XX/XX/2022. I have always made my payments early and when I made my XX/XX/2022 payment on the XXXX of XXXX around dinner time I got an harassing phone call from Truist about a payment. I was so upset I said some harsh words and the next day I paid the loan off in full including their error payment and late fees. I need to recover my loss of money which is {$530.00} plus XXXX months of {$26.00} late fees and restore back my credit. 
Again I have all of my receipts that I can scan to upload as attachment.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

] AFTER RESEARCHING DENIALS REGARDING PAYDAY LOANS, WE NOTICED MANY OF THE PAYDAY LOAN ADVERTISEMENTS WERE BEING SENT BY THE CREDIT BUREAUS WITHOUT BEING AWARE : XXXX TRANSUNION XXXX IN ORDER TO VALIDATE WHAT WE WERE RECEIVING WE APPLIED THROUGH WHO WE THOUGHT WERE THIRD PARTY VENDORS. FOR EXAMPLE CREDIBLE. CREDIBLE WOULD STATE THE CREDIT WAS A SOFT PULL AND WOULD NOT AFFECT YOUR CREDIT, THEY WOULD THEM SEND YOUR INFORMATION TO ADDITIONAL VENDORS AND MANY WOULD PULL CREDIT BUREAUS WHICH THEN BECAME HARD PULLS WHICH AFFECTS YOUR CREDIT IMMENSELY. 

WE ALSO NOTICE DUPLICATE SUBMISSION FOR PAYDAY LOANS WHICH SHOULD NOT HAVE BEEN PLACED ON OUR CREDIT BUREAUS. SO, WE INTENTIONALLY BEGAN UNSUBSCRIBING FROM THE PAYDAY LOAN ADVERTISEMENTS BUT STILL RECEIVED COMMUNICATION FROM THE SAME COMPANIES. 

THIS IS EXTREMELY MANIPULATIVE AND IS DONE ON PURPOSE TO ENSURE OUR CREDIT SCORES REMAIN LOW,
Consumer complaint received 2022-08-02
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. (MI)

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 2022-08-04
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. (FL)

Once again, I never received any of the requested documents I requested previously, yet Equifax continue to report these violation accounts on my credit report. 

I recently requested the validity of Collection Bureau accounts thats being reported on my most recent credit report. Upon challenging these, XXXX and XXXX immediately deleted these time-barred accounts based on the lack of ability to properly verify all reported information being accurate. I did not provide a signed contract nor signed HIPPA release giving Collection Bureau permission to discuss my medical with anyone. In accordance with the Fair Credit Reporting act Collection Bureau has also 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 an account without my written instructions. It is my understanding that Collection Bureau reports the same information to all credit bureaus as expected under FCRA, if this is true for about the 6th time I am requesting the information below and ALL the information that was provided to Equifax These are the accounts reporting on my report XXXX XXXX - {$37.00} - XXXX XXXX XXXX - {$39.00} XXXXXXXX XXXX XXXX - {$50.00} - XXXXXXXX XXXX XXXX - {$71.00} - XXXXXXXX XXXX XXXX - {$130.00} - XXXXXXXX XXXX XXXX - {$170.00} - XXXX 1. Please provide the method of verification who Equifax contacted to verify these accounts, and what the payments are for, 2. Provide a 1099c for each account since this account was originally charged off, 3. Provide the original signed contract with Collection Bureau for each account, 4. Provide HIPPA documents with my original signature for each account, 5. Provide collections license number, 6. Provide court documents that allows Collection Bureau to continue to pursue these debts past the statute of limitations in Florida for each account, 7. Provide information referencing this account was either purchased or collecting on the original account holders behalf. 

XXXX and XXXX has deleted these accounts. Why does Equifax insist on reporting these accounts on my report?
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

It's really weird how these credit bureaus reporting me as late on these accounts I want you to investigate these accounts. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 

XXXX XXXX Account Number : XXXX