davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-22
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. (FL)

I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to  XXXX  she confirmed I was paid through  XXXX . I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus.     Not more than two payments past due (  2  ) -  XXXX   XXXX    XXXX   XXXX   XXXX      XXXX   XXXX  has flagged your account as Not more than  two  payments past due (  2  ).   Alert Type : Potentially Negative Found On :   XXXX   XXXX   XXXX     Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your  credit score .     Balance spoke to  XXXX  last payment made- way   XXXX   XXXX    Paid up through  XXXX . Confirmed. I then asked for an acct manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a  manager  who I relayed my request for resolution! I finally Reached  XXXX  a Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I raised the below via XXXX XXXX. All that TransUnion has done is continued to restate the same irrelevant information that has absolutely nothing to do with my concern, despite me politely asking them to please respond only to my concern. Again, TransUnion, simply answer the below concerns, preferably by numbering, and do NOT provide any extraneous information just because your team wants to copy and paste information to breeze through concerns and look like your team is responding. You're not. 

Furthermore, you told me to unhelpfully contact your support team for a XXXX time, as if that did not start this complaint to begin with, which I did on XX/XX/XXXX to waste another hour of my time with a team who can't even see the XXXX  concern. Your team should well know this. You ( your executive team, or whomever reviews and responds to this ) is more than capable of providing a call given that your support team is incapable of providing any help, but you have refused to do so or even to address this.

Please answer the direct questions below : 1. I update my credit score daily with Credit Karma and, as of XX/XX/XXXX, I had a decrease on TransUnion 's side of about XXXX points. When I checked what changed, a balance decreased and a hard inquiry was removed, so I shouldn't have had a drop like this. Can this please be clarified? There are no errors on the report- it's the corresponding positive reasons that should not result in a drop. Again- unlike what was stated by your company in the XXXX XXXX XXXX updates *up to* once per day, not every 7 days as your team incorrectly mentioned. Likewise, I have seen your credit bureau update with XXXX daily. They are your partner, and they get their information directly from you. They have stated that this score and the corresponding factors come directly from TransUnion, which is correct. This is a TransUnion issue, you provided the XX/XX/XXXX report to XXXX, and I need you to, again, provide context per the above as it does not make sense. This is not a CK issue, I have already contacted them. Please do NOT generally tell me how scores are calculated. Address the specific points I have mentioned above.

2. Please confirm that you have left a complaint for the manager XXXX, who also did not answer my question and refused to escalate, per chat XXXX. Again, this was completely ignored in the XXXX  despite me stating multiple times.
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GCFS, INC. (CA)

I am filing a complaint against greater California financial services because they are illegally trying to collect on a XXXX XXXX credit card debt that is not valid and also past its statutes of limitations. The credit card account was charged off seven years ago and it is not shown as reported on my credit report as of XXXX/XXXX/15. When the company first contacted me last year, they misinformed me who they were staring they were a law firm as a scare tactic. Since then, I have written a cease and desist letter along with a zombie debt letter but they continue to demand payment. Not only are they saying I owe this debt but they are claiming I owe XXXX the amount of the original debt. The original amount was {$12000.00} and now they claim I owe {$24000.00}. I am in the process of re-financing my home but can not move forward without resolving this matter because the company has a lien against me.
Consumer complaint received 2015-12-01
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

I had a credit card through HSBC. I was paying on it, then I was taken off of work because of a XXXX in car accident. I had XXXX, then they found other injuries and medical problems. I have since tried to get back on my feet but still have problems. I have since tried to pay and in the last 2 months have paid well over {$100.00} toward this debt, receiving letters back from the collection agency thanking me for my payment.Copies of these letters are enclosed. 

I have continually asked for the summons I was served with to be dropped because it would ruin my credit and I had made honest attempts to pay. I was ignored. I have a lot of comprehension problems. Because of this, the company has my permission to also communicate with my parents with this debt. But I preferred to do all of this by writing so we can have the information in writing. 

The letters I have got thanking me for my payments have mentioned in the left corner " HSBC '' company, yet I am told they no longer have this account. 

I have been making several attempts to pay my debt.Again, I have been ignored and was now served with a judgement that has now ruined my credit.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

My credit report shows XXXX open amounts from XXXX collection companies that have been paid since 2011. 

I am trying to get a home loan and I am unable to get my score to go up. I make regular payments and pay my cards off or at least to XXXX the remaining balnce at most.
Consumer complaint received 2016-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

I setup a repayment plan and was making the required monthly payments and then my credit is hit with a 90 day delinquent report from my school loan. After speaking with a couple of representatives I was told my plan expired without my knowledge and I should have been paying twice what I was paying for over 6 months! I wrote a credit dispute to my school loan as instructed to remove the delinquent report and have since applied and have been approved for a new payment plan but my school loan denied removing the delinquent report without providing an explanation. I am submitting my 2nd dispute to get this resolved. I am trying to buy my XXXX home and this report has dropped my score over XXXX points!
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Recently, I disputed item XXXX XXXX XXXX XXXX / XXXX on my report from Trans Union . This is an unsubstantiated account for the reason that XXXX XXXX has failed to provide details regarding their compliance with the law. This letter was dated XXXX XXXX, 2015 and received by XXXX XXXX on XXXX XXXX ( copy attached ). XXXX XXXX failed to provide evidence of their compliance of required proper notices and disclosures regarding the deficiency balance claimed. Trans Union was provided this information in my follow up dispute. Despite this, Trans Union continues to verify that the information is accurate. Attempting to figure out how Trans Union was able to do this, I made a request pursuant to FCRA Section 611 ( a ) ( 7 ) requesting that Trans Union describe their methodology in order to determine that XXXX XXXX has complied with the law. The letter to Trans Union was dated XXXX XXXX, 2015 and received by Trans Union on XXXX XXXX, 2015 ( copy attached ). On or about XXXX XXXX, 2015, Trans Union replied to my inquiry, yet completely failed to address the FCRA 611 per my request. I am requesting from Trans Union that they provide me details of their method of verification including the name and address of the organization or individual providing this information as well as evidence that my correspondence was reviewed by Trans Union and in fact forwarded to XXXX XXXX XXXX / XXXX.
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a dispute to all three credit reporting agencies. I just received a response from trans Union stating that the collections placed on my credit report by XXXX XXXX XXXX was verified. I had previously paid the original bill issued by XXXX XXXX and submitted copies of payment from the XXXX XXXX website confirming payment as well as all copies of bills. It greatly disturbs me that this investigation by Trans Union states the information was verified when I have paid what was owed and submitted documentation. The first time when I even heard of this collection agency was seeing it on my credit report. I do not feel it is fair for me to have to pay again for a bill I have already paid. I greatly question the dispute investigation validity. I am seeking help with this matter because I have worked very hard to maintain good credit and to have this invalid information on my credit report greatly disappoints me.
Consumer complaint received 2024-11-12
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. (LA)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - late/closed XXXX Bankruptcy XXXX XXXX XXXX bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (DC)

XXXX I ordered a credit report from XXXX XXXX for my review and to improve my score. 

XXXX Customer service representative from XXXX stated I need to call XXXX ( Experian ). They could not process my order because of a discrepancy only Experian could tell me. Basically I could not retrieve my credit report, and the pending fund withdrawal would not be token from my account. 

After calling Experian several times trying to resolve this issue I was only prompted to either purchase a report by credit card or check. They did not give me an option by phone or web to talk or chat with any regarding the retrieval of my credit report. 

I would like to resolve this issue, it is very important to me and anyone else who is going through this. 

XXXX XXXX XXXX XXXX # XXXX, XXXX : XXXX : XXXX
Consumer complaint received 2015-04-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Beginning XXXX XXXX, 2015 I began reporting this charge on my account : Pending-POS Debit - XXXX Check Card XXXX XXXX XXXX XXXX - {$9.00}. Each time I followed the instructions of Navy Federal Credit Union ( NFCU ) representatives ; which was to submit a report of a fraudulent charge and cancel my debit card. Since my initial complaint, I have cancelled XXXX ( XXXX ) debit cards and yet this charge continues to appear on my account monthly. Moreover, there has been no resolution presented by NFCU other than to continue to cancel debit card after debit card and since this is a recurring problem cancelling my debit card has brought no resolution. Matter of fact, the number of cards I 've cancelled and have had reissued has caused a hardship for me with other ( authorized ) creditors. I have asked over and over for a way to block this charge from being charged to my account, to no avail. The latest representative recommended that I contact the vendor, who is unknown to me and I explained as much to the representative but it fell on deaf ears. I am frustrated and out of options of how to end this recurring unauthorized charge from my account.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX  XXXX AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2015-04-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Tidalwave Finance Corporation (CA)

I had an arrangement made with my finance company before my due day I have been getting calls every single day representatives have been calling me disclosing information without confirming who they 're speaking with ask to speak with supervisor supervisor called me a liar stated will be calling my human resources manager at my job I did n't ask to speak to a different supervisor to have my complain to listen to representative who I called stated I called a different branch and there was no supervisors available I ask to be transferred he denied due to does n't know XXXX supervisor will beavailable that they are the boss of him and he does n't know their time frame
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I had a XXXX XXXX XXXX XXXX Account opened in XXXX and the last time used my account before I closed them was XXXX XXXX. My account was paid in full at the Branch in Maryland in full. XXXX XXXX reported my account to the credit reporting agency as paid in full. I check out my credit reports in XXXX of this year and XXXX XXXX XXXX XXXX have my report showing negative information. I called XXXX XXXX and they stated what they report is correct and that 's a false statement. Someone please help me with this case. I will take a lie detector test to show you all that my statement is true.
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (KS)

On XXXX/XXXX/15, I called Wells Fargo to ask why there was an amount of {$7800.00} due under total payment category on the bill. Incidentially, the amount has increased to {$9200.00} on the XXXX bill. I was told previously that I owed for XXXX and XXXX. I was calling to make the XXXX payment, with the statement that I would make the XXXX payment in another week. The repres. informed me that the amount of {$7800.00} was money in a holding account, that was unapplied. I asked her to request that this money be applied. She stated that she would ; and that, I should call back in 3-5 business days. I called back on XXXX/XXXX/15. I was told that there existed the request on file, but the request had not been completed. I asked why and again that these monies please be applied. I made a payment of {$1100.00} to bring loan current for XXXX 2015. I looked over my bank account to determine that Wells Fargo had made a mistake in the payment owed amount of {$1100.00}. Rather than drafting {$1100.00}, they drafted only {$1000.00}. I called and made the {$100.00} payment to bring the loan current for XXXX 2015. 
I called on XXXX/XXXX/15 and spoke with XXXX @ XXXX, to determine whether the funds listed above, had been applied. She stated " no '', because my loan came to them from Waucovia Bank, and there is thus, a special team of persons working on this 'ACP project loan '. They would likely not be able to apply the dollars in the holding account until XXXX. I informed her that I am in an active bankruptcy and I do not wish to be considered delinquent given that I have been making regular payments and I was told that the account is current for XXXX 2015. I told her that I do not want later to be considered for a foreclosure suit. She stated that even if I continue to make regular payments, they will continue to go into 'unapplied funds '. I can not fully understand why this is the case since there is a team of persons working on what she termed a few of these 'ACP project loans '. 
I am filing a formal complaint against Wells Fargo. I asking that you assist me by investigating this issue with the hope that these funds will be applied in a more timely manner and on a regular basis, so as to assist me in avoiding this problem in the future. XXXX stated that Wells Fargo has received multiple calls regarding this same issue. I lost my home to foreclosure once because of bank fraud. I am not willing to have this happen again. Please help me.
Consumer complaint received 2015-12-01
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I am the XXXX XXXX for the XXXX of XXXX XXXX. A resident, XXXX XXXX, came to see me regarding an issue he is having refinancing a home equity line he opened last year with Charter One/Citizens Bank. At the time of opening the line, the property XXXX XXXX owns at XXXX XXXX XXXX in XXXX XXXX had no mortgage. XXXX XXXX obtained a home equity line for {$75000.00} based upon Citizens ' appraisal of his home which came in at {$94000.00}. This year, XXXX XXXX attempted to refinance this adjustable rate loan into a fixed rate mortgage, but was denied by XXXX based on their appraised value of {$44000.00}. We have opened a separate complaint against XXXX based on this appraisal, which we feel is low for the condition of the property, however, another concern has arisen during our analysis of comparable sales. It appears that the Citizens appraisal was over-inflated and not supported by area comps. This led to XXXX XXXX being granted a loan that he can not refinance into a fixed rate mortgage because he can not get an appraisal to justify it. One comp used in the Citizens appraisal was for a property outside of the city, and another was for a parcel with very different characteristics. A detailed analysis of our findings is attached.
Consumer complaint received 2015-06-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

My debit card was fraudulently stolen. On Friday XXXX XXXX when I received this news from the bank they told me they would ship a new card within 5-7 days. I asked them to ship it to a new address not the one on file. I was told this would not be a problem. On Saturday the XXXX I called to inquire about my card. They informed me it was shipped to the address on file, not where I requested it to be sent. I asked them to overnight a new XXXX due to their mistake and to waive the fee and they repeatedly refused to do so. I kept pointing to the fact I have n't had a debit card in a week and I should n't have to pay the {$12.00} fee due to their mistake and the supervisor said there was nothing she could do. I threatened to leave the bank that I 've been a customer of for over a decade and she did not seem concerned XXXX bit.
Consumer complaint received 2024-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.