davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (CA)

On XXXX XXXX, 2017, at XXXX XXXX Pacific Time, I called customer service to ask about disappearing charges. Customer service would not transfer to a supervisor, said I was wrong, interrupted me, and put me on hold.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. 

The following tradeline item is inaccurate. 
Account Name : XXXX XXXX  Account Number : XXXX I have XXXX late payments on an account that I was in fact Paid On Time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate and provide verifiable PROOF with records showing that I had late payments. If this information can not be verified I demand these payments be updated to XXXX XXXX XXXX immediately. The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage. Thank you for your understanding and prompt action.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

I successfully disputed inaccurate derogatory information reported on my credit report by Transunion. The account was reported by Transunion as deleted deleted on XXXX/XXXX/XXXX. The report was electronic and I have retained a screenshot of the report of deletion. 

At a later date, the disputed account was reinserted by Transunion, with an altered closed date of XXXX/XXXX/XXXX, after six years of inactivity and with no change in status. The original reported closed date was XXXX/XXXX/XXXX, six years earlier. 

I called Transunion to dispute the reinserted account on XXXX/XXXX/XXXX, the date of discovery. I had been regularly checking my credit report and the reinserted information did not appear until this past month apparently, at an unknown date. 

I spoke with XXXX representatives of Transunion who indicated ( 1 ) no letter notifying me of reinsertion was sent to me and ( 2 ) Transunion has a policy of not notifying persons of reinsertions of accounts. The Fair Credit Reporting Act requires a credit reporting to notify a person of a reinsertion of a previously deleted account within five ( 5 ) days of the rejnsertion. In this case at least five ( 5 ) days have passed, and no notice has been sent or received. 

Transunion has indicated that they will not delete the reinserted information if the creditor claims it is accurate, even if the information contained in the report is inconsistent with the previous report of the account. Transunion has additionally stated they have and will continue to violate the FCRA. I wish to have the reinserted account deleted, and to receive a letter admitting wrongdoing and confirming that the account will not be reinserted in the future.
Consumer complaint received 2017-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I.have some hard inquiries on my credit report I have no knowledge of, contacted Transunion to get help with removing them XX/XX/XXXX rep said they could n't help me with this. ( 1 ) XXXX XX/XX/XXXX ( 2 ) XXXX XXXX XX/XX/XXXX ( 3 ) XXXX DBA XXXX XX/XX/XXXX ( 4 ) XXXX XXXX XXXX via XXXX XXXX   XXXX XX/XX/XXXX ( 5 ) XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX ( 6 ) XXXX   XXXX XXXX XXXX XX/XX/XXXX ( 7 ) XXXX XXXX XXXX  XX/XX/XXXX ( 8 ) XXXX XXXX XXXX XX/XX/XXXX ( 9 ) XXXX XXXX  XX/XX/XXXX ( 10 ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( 11 ) XXXX XX/XX/XXXX (
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-08-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

My lease with XXXX XXXX XXXX XXXX was up on XX/XX/XXXX. The current company that has taken over the complex stated in the debt collection summary that they are charging me for insufficient notice in the amount of {$1800.00}, I gave notice three months ahead of time stating that I was not renewing my lease, it was given to the previous residential property in which I have proof of. Also I am being charged for the month of XXXX ( XX/XX/XXXX-XX/XX/XXXX ) water sewer ( {$55.00} ), month to month ( {$70.00} ), residential rent ( {$320.00} ), two trash charges ( {$7.00}, {$8.00} ), exterminating on XX/XX/XXXX ( {$5.00} ) and XX/XX/XXXX ( {$6.00} ) and another charge for water sewer ( {$68.00} ). I have proof I left on XX/XX/XXXX to stay at a hotel, I also have a letter notarized by my best friend mother who I stayed with until I moved into my current townhome on XX/XX/XXXX.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently reviewed my Transunion credit report and observed that several inquiries that were disputed and removed and re-appearing on my credit report. Furthermore, other disputed inquiries have not been addressed at all. Transunion always reply with a standard response that it is my responsibility to contact the creditor and address my concern. This is in total contradiction of Transunion previous action because record will show that Transunion had deleted sever disputed inquiries. I am respectfully requesting that Transunion conduct a legitimate investigation into the following disputed inquiries. Furthermore, I want the name of the Transunion Representative that conducted the investigation and the name and contact information of the Creditor Representative that confirmed the inquiry was legitimate. If that is the case I am requesting Transunion to send me a copy of the documents used to confirm that the inquiry was legitimate so I can verify it 's validity. 
XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 ALLY XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 ( They send me a letter confirming that the inquiry needs to be removed. Letter will be provided upon request ) XXXX XXXX XXXX/XXXX/2016
Consumer complaint received 2016-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union Dispute Department XXXX, PA XXXX XXXX ( SSN # XXXX ) XXXX, Georgia XXXX Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. " This Is Not a Dispute '' Public Records-Judgments XXXX XXXX XXXX Court ( I never served with the appropriate paperwork. Please accurately report this information or delete from file. ) No Plaintiff. 

Identification Number # XXXX Claim Amount {$32000.00} I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g Section 609- Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed. Please communicate your intentions in writing. 

Regards, XXXX
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have had a credit card account with Bank of America since XX/XX/XXXX. Over the last 14 years, I have been allowed to add and delete authorized users on my account, and have always understood by doing so that I was taking full responsibility of allowing them to use my card, and that I was fully responsible for any and all charges associated with use of my credit card. On XX/XX/XXXX, I went to get gas as usual using my Bank of America credit card, and it was declined. Thinking the machine was broken, I left and went to a different gas station. After my card being declined again, I called in and found out that my account had been reviewed and closed without any prior notice or explanation. While that was not expected, and I understand it is within their rights to do so, I have another issue. I had earned XXXX points as of XX/XX/XXXX. I have tried to cash them out at the .01/pt rate they normally offer, and am unable to do so online as I have always done. I called in and spoke with 2 different people at Bank of America, and neither could give me a reason as to why the points could n't be redeemed, only stated that they were lost due to the account being closed. These points were earned. Had I cashed them out on XX/XX/XXXX, they would have sent a check. This is unfair, and I wish to be compensated for {$1000.00}, which I earned using this card.
Consumer complaint received 2024-10-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (NY)

When purchasing XXXX XXXX from XXXX XXXX XXXX in XXXX, I applied for a loan from GoodLeap with 18 months of no interest from the date of the project completion. The total for the loan was {$14000.00}. After 18 months interest would be applied. The project was installed on XX/XX/XXXX, which would mean the interest would be applied after XX/XX/XXXX. Just before XX/XX/XXXX, I received a first bill from GoodLeap stating that I owe {$17000.00} ( the original principal plus {$3200.00} for 18 months of interest ). When I talked to them on the phone they said they were told by XXXX XXXX XXXX that the project was completed on XX/XX/XXXX so they released the funds on XX/XX/XXXX and that started the beginngin of 18 months no interest. When I called to tell them the project was installed on XX/XX/XXXX, they asked me to submit proof. 

In good faith I paid XXXX a total of {$14000.00} on XX/XX/XXXX after, on XX/XX/XXXX, they told me to call back to continue the dispute. 

I sent emails from XXXX XXXX XXXX showing the appointment time, the Certificate of Insurance sent to me by XXXX XXXX XXXX on XX/XX/XXXX allowing them to work in the building that day, and a picture of my apartment from XX/XX/XXXX with the XXXX not installed yet. XXXX XXXX from XXXX only responded on XX/XX/XXXX : " Currently, we are unable to process any changes to the loan. We attempted to reach out in XXXX and XXXX of last year to go over the loan terms, and a welcome letter was sent on XX/XX/XXXX which covered the loan terms. '' The interest on this loan was based on an incorrect Completion Date, which gave me less than XXXX months of no interest and resulted in my payment being considered after the no interest promotional period. I have a phone recording of a representative at GoodLeap telling me they do not release funds until a project is complete. XXXX XXXX XXXX lied about their installation date, which is currently costing me over {$3000.00} in interest. I'd like this to be nullified as I've already paid the principal.
Consumer complaint received 2017-08-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On XXXX XXXX 2017 I contacted Citizens bank and waited on the phone over 30 minutes to attempt to resolve this issue with them directly. I have gone out of town and there was an auto payment on my account that over drafted my account. The payment was in the amount of {$160.00} and Citizens bank charged me an excessive amount of {$160.00} in fees for this amount. I have never heard of any bank charging this. I have numerous accounts with this company and I now feel very concerned to be leaving my money in this account. When I spoke with a supervisor she refused to do anything but waive {$30.00} of the fees. I asked to speak to someone above her and she told me no one is above her. I asked her if the she owns the company? She said she does not but I am not allowed to speak to anyone else. I demanded to speak to someone else as I did not feel comfortable with her. She told me that I can write a letter about it to XXXX XXXX XXXX XXXX rhoad island XXXX. I asked her what her full name or badge ID was in which again she refused to give me. All I know is that her name is XXXX and she is a manager in account support department. I should be able to speak to someone professional about my account and not treated this way when I have all of my checking and savings numerous accounts with this company. I never wanted this account to begin with I was constantly pressured any time I would go to the bank to make a personal account there because they wanted to meet there quota for the month. I have even gone in to try to cancel the account because they charge a monthly service fee and they wo n't allow me to and try to talk me out of it and say just set up one deposit into there every month to eliminate this fee. There are many other banks in this area that will not charge these fees and I would rather use them. In addition to this I told XXXX I do not want to be charged excessive fees I want to close the account. She refused to close the account. She told me she will not close it I have a balance. I told her to take it out of my other account and close all of them I do n't want their services in which she still refused to do so. I do not feel my money is safe with this company and I feel they are predatory bankers based on my experiences with them.
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

My name is XXXX XXXX and my property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX was wrongfully foreclosed on XXXX/XXXX/2016 while I was in the middle of working out a modification with US Bank. I do believe the lender violated my homeowner bills of rights by engaging in dual tracking and never been able to speak to my single point of contact at the lender, now i am homeless with no where to go and are currently been evicted.
Consumer complaint received 2016-11-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc. (TX)

This company First National Collection Bureau , Inc. ( FNCB ), Harass me from different phones numbers about a Debt resulted from identity theft back in 2011 with inaccurate and misleading information and refuse to send or validate the documents, but demand that I send them a payment for this fraudulent debt ( does not relate to any transaction ( s ) that I have made
Consumer complaint received 2024-08-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (MN)

Citizens bank has been reversing my payments, and making me pay late fees on pretty much every payment I have ever made to them. My auto-debits are always un-enrolled when I check the website, no matter how many times I re-enroll. Even if I make a manual payment they just reverse it and charge me a late fee. This has costed me hundreds of dollars, and lowered my credit by MORE THAN 60 POINTS. My transaction history on their website shows this has been going on since at least XX/XX/year>, but it has possibly been going on for longer. This has gone on so much that even my dad who is my cosigner had his credit affected. I have even tried deleting my bank information and inputting it again, but it still reverses my payments every single time. Neither my insurance or car payments have any trouble charging my bank. I have talked about this to support and all they said was " Oh, yeah we've had a lot of people having trouble with auto-debit recently '' which makes me think they've been stealing a lot of money from people.
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

I have an account with XXXX Bank, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. I called sent emails and contacted the company and I 'm not getting any positive responses, after they said they would remove after payment. I have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.
Consumer complaint received 2017-08-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (ME)

I am currently in a chapter 13 bankruptcy. I have paid my HELOC through my bill pay every month on time. My XXXX payment was refused. I called my bank to ask why and they could only tell me SLS refused it. I called SLS to see if it was an error and I was told it was not. I was told I had to mail in payments even though they have an electronic relationship with my bank because I am past due. I asked them how I could be past due and they advised me my payments changed to almost double in XXXX due to the HELOC resetting. My attorney nor the Trustee were notified of a payment change. My attorney states they are required to notify the court per bankruptcy rules. Now I owe my XXXX payment, XXXX payment and soon coming XXXX payment. I am holding off paying them until the Trustee advises my course of action.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NV)

IM sick and tired of trying to get a credit report that has everything on it. not like some of the services they sell. i want to pay {$12.00} for my credit report, but they cant verify my info. they say i have to mail them all kinds of proof of ID. YET I CAN SIGN UP FOR XXXX OF THEIR MONTHLY FEE BASED CREDIT MONITORING NO PROBLEM. NO MAIL. .JUST GIVE US YOUR CC # AND YOU 'VE GOT OUR CREDIT WATCH FOR {$20.00} A MONTH.. THIS SHOULD BE ILLEGAL. THEY REFUSE YOU YOUR REAL REPORT BUT OK YOU FOR THEIR MONTHLY SERVICES WITH CREDIT REPORT AND CREDIT SCORES. THESE ARE THE SAME PEOPLE WHO CONTROL OUR CREDIT AND LIVES. THEY CONTROL OUR CREDIT AND THEN ARE ALLOWED TO MAKE PROFIT ON THE SIDE. THAT SEEMS LIKE A CONFLICT OF INTEREST TO ME. COULDNT THEY BLACKLIST ME FOR COMPLAINING OR NOT LOOK AT MY DISPUTES OR ANYTHING. AND XXXX PROBABLY RECEIVE BACKLASH OR PAYBACK FROM THEM, BECAUSE THEY 'RE ABOVE THE LAW. THE GOV NEVER DOES A THING IVE MADE COMPLAINTS BEFORE, WHOSE LOOKING OUT FOR THE CONSUMER. GOOD OLE XXXX THE PEOPLE IN FAVOR OF CORPORATIONS. AND IM A XXXX. YOU CANT DISPUTE ITEMS FROM THEIR MONTHLY SERVICE. 

LET ME SAY AGAIN,,,,,, I CAN GET MY CREDIT REPORT FROM ALL XXXX AGENCIES WITH THEIR DIFFERENT PAID SERVICES RIGHT NOW AT {$60.00} A MONTH. BUT I CAN NOT GET MY REAL ONE BECAUSE THEIR CONCERNED ABOUT MY ID OR FRAUD. CAN ONLY GET THROUGH THE MAIL. BUT WHEN YOU PAY YOU CAN HAVE YOUR REPORT IN XXXX MIN. BUT YOU HAVE TO HAVE THE REAL XXXX TO DISPUTE. I DONT HAVE TIME TO MAIL THAT XXXX. IM XXXX AND DONT GET OUTSIDE MUCH. THANK YOU
Consumer complaint received 2016-08-09
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Frost-Arnett Company (TN)

I have repeatedly asked that my full name including middle initial be used on all bills, medical files/records and correspondence yet in over two years this hospital and this particular doctor have verbally promised but then refused to follow through. If my middle initial is not included then it causes confusing and is often added to my father 's credit history because he shares my fist and last name, just not my middle named. I also can not use the billing receipts that the hospital and doctor provides as proof of my medical expenses on my yearly taxes because my middle initial is not included. Due to a XXXX illness XX/XX/2013 I had to move in with my parents for a period of time and our medical records were mixed up after hospitals and doctors failed to heed my request that my middle initial be used at all times. 
Now I have been referred to a collection agency because the hospital and one doctor has refused to provide me with an official receipt bearing my middle initial!
Consumer complaint received 2016-03-04
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This complaint is in reference to a change in status of charge off, date and the amount for Capital One Card. 
The account was charged off in XX/XX/XXXX in the amount {$1900.00}. 
( See XXXX ) XXXX XXXX/XXXX/XXXX Capital One flagged this account on my credit report as a Charge Off as bad debt and reported the amount of {$2400.00}. Changing the date of the charge off and the amount. I have received no statements after this account was charge off. 
( See XXXX, XXXX and Cap XXXX ) I have disputed through the CRA as furnisher is providing inaccurate information to CRA 's. Capital One continues to report it wrong and ignores the disputes