davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Department Trans Union Consumer Relations XXXX. XXXX XXXX XXXX, XXXX XXXX Current file # XXXX on date XXXX/XXXX/XXXX To Whom It May Concern : This letter to formally inform you that I have filed a formal complains against you with Consumer Financial Protection Bureau. And federal trade commission for your disregard to federal law as passed by U.S congress and President. My initial complains with consumer protection agency case number : XXXX on XXXX/XXXX/XXXX. You have not fulfilled your duty. I have send you several letters by mail, Tracking Number # Tracking Number # XXXX and XXXX You claim to have some verified the items, I requested. Therefore, I legally requested a description of the procedure used to verify the information. 
1. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX I have obtained letter from the U.S department of education that the disputed items should to be deleted from my account. The letter is in the attachment Failure to comply with these federal regulations by credit reporting agencies is investigated by the federal trade commission ( see 15 USC 41, et seq. ) Further you have claimed that you have confirmed this information? 
1. XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$2100.00} past due as of XXXX XXXX. 

2. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX Address Identification Number : XXXX Status : Collection account. {$1600.00} past due as of XXXX XXXX. 

3. XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX I have contacted these agencies, with certified mail and phone conversation, I asked them for the original documents none of them has response to me. My question to you how you verified these accounts belongs to me. If you fail to send me the verification of original information from these agencies you must delete it from my account immediately. 
Please provide me a complete copy of all of the information that was transmitted to the data furnished as part of the investigation, as required by FCRA : whom did you speak with? What was the date? How long was the conversation? What is the position of your employee that spoke to the creditor? I have clearly asked to respond with 15days. Please see the attach document from the department of education, that asking you to delete the disputed items. Please read the letter from the department of education and delete the disputed items Any further delay in inexcusable Sincerely XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Fraudulent account with XXXX - XXXX was opened under my name. Incorrect address & phone number was used. Account appears to have been opened in XXXX 's main location as the address and phone number used to open my account was in XXXX XXXX, South Carolina. 
XXXX was contacted and I was told they were opening a fraud investigation.
Consumer complaint received 2016-09-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NE)

I had had an existing credit line product with my bank, Wells Fargo. On XXXX XXXX, I called the customer service to find out what are my options to increase the limit from {$10000.00} to {$15000.00}. The representitive I spoke with was XXXX XXXX at XXXX XXXX XXXX, extenstion XXXX. Initially I was told the only way to increase the limit is to open a brand new credit line. After some back and forth, I was finally offered a increase if I file an application over the phone, so Wells Fargo can process it and pull a credit report. I agreed and proceed with answering the questions. XXXX of the questions was whether " I am a XXXX resident ''. I answered " No, but I am treated as one for all financial institutions and for tax purposes ''. This is due to a fact I am not a green card holder, but a XXXX visa holder instead. I heard a little hesitation from the representative voice, but he proceeded with the application. I was told that the bank will contact me within XXXX hours with the decision. 
From there, things went downhill. I was never contacted by the bank. I reached out again to find out regarding the application status ; I was denied. Subsequently, I showed up in person at the WF branch to gather more feedback regarding the application. I spoke with XXXX XXXX and his senior co-worker. They had very difficult time navigating the system to provide a true reason of denial. This was caused by multiple application WF made for my name without a reason ( applications XXXX and XXXX ). Finally, after an hour long wait and calling several WF departments, I was told that my request to increase the line was denied due to " non-resident status ''. I am still very perplexed as to an explanation I received from personal bankers at the XXXX 's WF branch ; they said WF allows non-resident aliens such myself to apply to avoid any discriminatory charges, however, it automatically denies these applications. So how is it? Is it fine to discriminate on back end, but not on front? I understand the bank has a right to establish its own underwriting standards, but I expect a higher level of transparency. Wells Fargo allowed me to apply knowingly I will be denied. The bank did not act in my best interest ; especially as it pulled a credit report. Now, I have a hard pull inquiry visible to anyone for two years. I am extremely disappointing about the discriminatory consumer practices, lack of transparency, and misleading behavior. Other financial institutions such as XXXX, XXXX, XXXX XXXX have made steps to do further due diligence in such cases ; these banks move application into a pending status and request an additional information to substantiate my status.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma (TN)

XX/XX/XXXX XXXX XXXX changed from XXXX XXXX to XXXX XXXX. With this change there was a payment issue that I was unaware of which put my account into delinquency. 
XX/XX/XXXX, I moved. With the change over that happened within this window, the Address was not accurate or the phone number. Defaulted to old information somehow. On XXXX XXXX I spoke with XXXX in length. She was able to confirm the errors on XXXX Banks behalf. She also expressed this happened to many people. She waived all late fees, removed all interest charges, and confirmed my inaccurate contact info. 
She updated all reimbursed me for everything, and my account was brought to XXXX balance. She assured me they would send a letter to remove all three negative remarks on my credit. That never happened. I have called since then on XX/XX/XXXX andXX/XX/XXXX as well as today, XX/XX/XXXX. All three times they are able to confirm the notes from XXXX, but are unable to confirm why the request to remove from credit was denied. Today, XXXX confirmed that it was do to several delinquencies. There were XXXX, XXXX from the intital switch, and XXXX in XX/XX/XXXX with the move and inaccurate info- rmation on their end. All of these were an error on the behalf of synchrony due to the switch. Once the error was caught it was immediately rectified on my end and account was brought to XXXX.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I use several credit monitoring services and last month I noticed my hard inquiries were removed from Transunion report. They have now been added back on my credit report. I have not received any notification in writing and I would like the inquiries removed. I tried to call Transunion and after the reps put me on hold for an hour, they then tell me they ca n't help me and hang up the phone.
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Sa-Vit Enterprises, Inc. (NJ)

At XXXX eastern time on XXXX/XXXX/16 I had a missed call from a XXXX. I returned this call at XXXX ( call lasted for a total of 2 minutes ). My call was answered by a clerk who answered the phone with " XXXX ''. Than she than confirmed my name and mentioned that she would connect me with the person who called me. Upon transferring my call the person who originally tried to call me, he asked me if I was ( NAME DELETED ) and wanted me to verify my address. I asked who was calling and after the 4th time of me asking he replied with " XXXX ''. I said XXXX why are you calling me and he said for " Personal Business '' and I asked several times about what " Personal Business '' and he tried to get me to verify my address again without answering my question. I asked who he was calling on behalf of and he said " XXXX ''. I than declined to answer his question about my address since he would not inform me the nature of his call after I made several attempts to and than I hung up. I looked up the phone number that called me and it was listed as a " XXXX ''. 
He never informed me that he was calling on behalf of a collection agency nor did he inform me that any information verified can be used against me for debt collection purposes- I believe this would be referred to as mini-miranda rights. I have never heard from this company before and I wish to make this a complaint against the company.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My wife and I have a mortgage with XXXX XXXX. We've never paid late. My WIFE filed for XXXX  XXXX bankruptcy in XXXX. I personally did not file bankruptcy. When my WIFE 'S bankruptcy was approved, XXXX XXXX  removed the mortgage account from MY credit file. This caused MY credit score to drop over 100 points. All MY credit cards cut my lines of credit so now it looks like my cards are maxed out. Some of my lines got closed out when they periodically check your credit and saw my credit score drop. 

I contacted XXXX XXXX  when I saw the mortgage account removed from my credit file. They transferred me to their bankruptcy department. I was told that this is their policy when someone on a mortgage file for bankruptcy. This CAN NOT be an acceptable practice. I've never been late on my mortgage, and I want it added back on my credit file. 

Mortgage Account Number : XXXX Name on Account : XXXX XXXX | XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to report XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX XXXX has incorrectly reported two identical accounts to all three major credit bureaus ( Equifax, XXXX, and XXXX ), causing significant harm to my credit score in retaliation to a CFPB Complaint I filed on XX/XX/year>. 
The accounts in question are : Account XXXX : Date Reported : XX/XX/year>, Collection Agency : XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX : Date Reported : XX/XX/year>, Collection Agency : XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dispute these account because the errors and validation. Furthermore, XXXX XXXX XXXX XXXX retaliated against me further for reporting the error to the CFPB by re-reporting the same account under a different account number. 
Notably, this malicious action occurred after I submitted a complaint to the CFPB on XX/XX/year>. This retaliation is a clear violation of federal law and demonstrates XXXX XXXX XXXX XXXX 's intent to harass and intimidate consumers who exercise their rights. 
As a result of XXXX XXXX XXXX XXXX 's malicious reporting, my credit score has dropped significantly. The duplicate accounts have caused irreparable harm to my credit reputation. I believe this constitutes a violation of : FCRA Section 611 ( 15 U.S.C. 1681i ) for willful non-compliance with dispute procedures FCRA Section 623 ( 15 U.S.C. 1681s-2 ) for furnishing inaccurate information FDCPA Section 805 ( 15 U.S.C. 1692d ) for harassment, oppression, or abuse I have attached supporting documents, including : Credit reports from all three bureaus showing duplicate accounts
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (IL)

we filed a chapterXXXX, 5 years ago, which was discharged XXXX XXXX, 2015. Our mortgage was independent of the Chapter XXXX. For those 5 years we paid our mortgage on time and found out recently Chase Bank never listed those payments at the credit bureaus, thus, we have a bad credit rating. All our payments for the last five years are up to date. Somehow Chase listed our bankruptcy as at Chapter XXXX, which we were never in. Our attorney contacted them a couple of months ago stating this should not have happened, ( documentation attached ). He along with us has contacted the bank on numerous occasions to no avail. Also we did have a equity line which was written off in the chapter XXXX because we were under water in our mortgage. when we filed our income taxes they sent us XXXX coded as a F ( agreement ) instead of a A ( bankruptcy agreement ) which our lawyer said we should not have received because this was equity was discharged in the bankruptcy by the court ( documentation attached ) and Chase coded it wrong as if it were a Chapter XXXX instead of a chapter XXXX. All of our other bills have been cleared through the Chapter XXXX and correct on the all three credit bureaus except Chase Bank. Our interest rate has been high XXXX and we would like to get into the Harp program, but our credit is bad because of Chase making a mistake. Can you please help us. We have made our payments on time and may have been late when my spouse was on strike but all payments are presently up to date for the last five years. We need this corrected at all XXXX credit bureaus, so we can go forward with our lives.. Can you please help us to correct this situation, we purchased our house at XXXX now on worth only XXXX. Thanking you in advance for investigating this unnecessary and hurtful situation. XXXX bless.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Report number is XXXX Report date:XX/XX/XXXX CREDIT FILE : XXXX XXXX, XXXX Confirmation # XXXX Notice of intent to file Complaint To Whom It May Concern : This letter to formally inform you that I have filed a formal complains against you with Consumer Financial Protection Bureau . And federal trade commission for your disregard to federal law as passed by U.S congress and President. My initial complains with consumer protection agency case number : XXXX on XXXX/XXXX/XXXX. You have not fulfilled your duty. I have send you several letters by mail, Tracking Number # XXXX, and XXXX You claim to have some verified the items, I requested. Therefore, I legally requested a description of the procedure used to verify the information. 
1. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX I have obtained letter from the U.S department of education that the disputed items should to be deleted from my account. The letter is in the attachment Failure to comply with these federal regulations by credit reporting agencies is investigated by the federal trade commission ( see 15 USC 41, et seq. ) Further you have claimed that you have confirmed these information? 
1. XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$2100.00} past due as of XXXX XXXX. 

2. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX Address Identification Number : XXXX Status : Collection account. {$1600.00} past due as of XXXX XXXX. 

3. XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX I have contacted these agencies, with certified mail and phone conversation, I asked them for the original documents none of them has response to me. My question to you how you verified these accounts belong to me If you fail to send me the verification of original information from these agencies you must delete it from my account immediately. 
What certified documents were reviewed to conclude your investigation? Please provide me a complete copy of all of the information that was transmitted to the data furnished as part of the investigation, as required by FCRA : whom did you speak with? What was the date? How long was the conversation? 
What is the position of your employee that spoke to the creditor? 
I have clearly asked to respond with 15days. 
Please see the attach document from the department of education, that asking you to delete the disputed items. 
Please read the letter from the department of education and delete the disputed items Any further delay in inexcusable Sincerely XXXX XXXX XXXX, XXXX. 
XXXX
Consumer complaint received 2016-04-08
Product: Credit card — 
Issue: Cash advance — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I applied for a capital one card back may of last year. this pass fall of last year i took out a cash advance. i sent in payments amount that should have paid XXXX of the cash advance amount. When i look at my XXXX statement i was shocked that my cash advance amount had not deminised at all. So i called capital one to see why my cash advance amount had n't went down. I was told that after they fees amount have been deducted then whats left over would be split and XXXX half of that amount would be subtracted from the purchase amount and the other half would be used to reduce the cash advance amount. So I decided to continue to pay far more than the minimum amount due so that was left over would completely reduce or in my case totally gotten rid of the cash advance amount. Three months late to my shock the cash advance amount was still the same. Being greatly concern and in anxiety about this I called capital one again. Now they tell me that I have to pay the entire balance on my card ( purchase and cash advance ) amount in order for the cash advance amount goes away.They said that cash advance amount would remain the same forever, and they will continue charging interest on the full amount continually forever otherwise. This is criminal, i would fair better at XXXX robbery. This is so wrong on so many levels.
Consumer complaint received 2017-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Bond And Collection Associates, Inc. (PA)

I paid the debt in full XX/XX/2017 ( have cancelled checks to verify ) and the debt collector still continues to contact me to pay the debt even though I have told them it is paid in full.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit agencies XXXX, Transunion allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine its now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.
Consumer complaint received 2024-10-11
Product: Credit reporting 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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-11
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. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.