davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I filed a dispute with TransUnion, XXXX, and XXXX credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and bankruptcy sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. TransUnion has told me they verified this public record but they did not tell me how they did this. I asked for a validation and they did could not provide me with any information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that credit bureau disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that credit bureaus is reporting in my credit report. I asked them to send me copies of the documents that they have on files that were used to verify them. Then I requested that if they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Consumer complaint received 2018-11-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I opened an account with Usaa in XX/XX/2018. I was asked to verify my military status and to send in an Id. I sent Usaa my id and my XXXX. I applied for a credit card and was approved. I had an option to have a different mailing address. I changed it and everything was fine. as I tried to use my credit card. they froze my account for verification. per verification they first said they closed my account because I had a past due balance of {$25.00} then they came back and said because I didn't answer the phone when they called that they choose to close my account and I can make an appeal. when I asked why they had to valid reason. I felt like I was being treated as a criminal. they have had poor communication regarding this whole matter. their information was not consistent and they treat new customers like criminals. I have not committed fraud. I have not made a report to the credit bureau so this treatment even after I have been verified is unacceptable. I am requesting for a investigation.
Consumer complaint received 2018-11-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (MO)

Commonwealth Financial is reporting on my credit report fraudulently in the amount of {$920.00} : * Were you named on the original contract with the original creditor?

* If not, do you have a contract between your company and me, signed by both parties?

* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Consumer complaint received 2022-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IN)

Wells fargo took my claim on a {$1000.00} XXXX charge in XX/XX/2022 but XXXX never delivered. I called XXXX countless times they claim they have my signature but definitely do not. XXXX told me to make a claim with my bank but my bank wells fargo denied it and I don't even live at ghat address or have access to it. I spent weeks fighting with both companies I feel completely robbed and amazed they can get away with this. What does zero liability mean exactly.
Consumer complaint received 2018-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

I called Citibank to notify them my husband has passed away, I would apply for a card in my name, approximate date XX/XX/2018. I was assured a final statement would be mailed to the home, same address for 27 years. I advised them the card was set up as " paperless statements '' with auto pay account in full each month. By XX/XX/2018 no correspondence or attempt to reach me by telephone to let me know the account was past due and sent to collections. My checking account indicates the amount to be debited on XX/XX/XXXX was not drawn by Citibank, therefore the card is delinquent. I have talked to a total of 7 customer service representatives, I have been disconnected, not provided with thorough accurate instructions on how to settle this account. I want late fees, interest and charges against my credit rating rescinded and I want to pay outstanding amount due. The resulting interaction with Citibank has consumed a minimum of two hours of my time with no result other than failed attempts at a resolution. Without a final statement how can I not prove there are unauthorized charges on the XXXX?
Consumer complaint received 2018-11-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: R & R Collection Service, Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 2018 For a medical debt for XXXX XXXX XXXXXXXX for the amount of {$1000.00} XXXX XXXX XXXX XXXX XXXX makes calls to my husband several times a week with threats of jail time and harassment in general. My husband tried to make payment arrangements with this creditor but the same man who continued to call him said no we need it all now. 
We received a letter from an attorney saying we have not tried to pay or make arrangements to pay the debt and we have. We do not want R and R to contact us by phone any longer.
Consumer complaint received 2018-11-03
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. (AR)

Reason for Dispute : I believe that this account inquirie is invalid. I did not authorize an inquirie. Please validate this account in its entirety or remove this entry from my credit report. Thank you.

Hard Inquirie ( s ) : XXXX XXXX
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reached out to TransUnion by Certified Mail Ltr # XXXX that they received on XX/XX/2018. 

Enclosed in this letter was a request to verify the bankruptcy being reported on the credit file associated with my Social Security number. 

I also provide a letter from the United States Bankruptcy Court from the XXXX XXXX of Georgia. This letter indicates that bankruptcy court does not report to the credit reporting agencies. 

TransUnion has failed to state or prove how they received this information, which was in the request that they provide proof of. They just updated the " court type '' on the report versus removing it. If I understand the FCRA, it states in affect that if the bureau can not provide verification of the disputed item they must delete it. 

Also, it is not indicate in the response from TransUnion of this dispute if and why the PACER system would have been used to access information on me that the courts themselves have indicated they do not report.
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (OH)

In XX/XX/XXXX Roundpoint lending raised my mortgage by {$200.00}, without notice. Upon contacting them they said my local taxes had increased. After contacting my county treasurer I realized they had made an error in the calculation. After notifying Roundpoint it took 4 months for my payment to be lowered back to what it should have been. 

At the end of XX/XX/XXXX ( I was out of town and didn't receive the letter until early XXXX ) I received a letter from my insurance company stating that my insurance had been canceled because of non-payment. I contact Roundpoint and they said I didn't have an escrow account. I have spent 4+ hours on the phone with them, but they still won't reinstate my escrow account with taxes and insurance and can't explain what happened. 

When I call the call is dropped or I'm put on hold for hours. Also all the direct lines I have been given no long work.
Consumer complaint received 2018-11-03
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. (FL)

Dear Experian, Please see attached FTC Identity Theft Affidavit, supporting docs, and three forms of ID. 

I have been disputing one account item that is not mine and inquiries that are not mine and reporting on my credit report for several months. I have been the victim of identity theft many times and I now have a freeze on my report and the lock feature so my credit can not be run on all three bureaus. I still get notices that they are stopping inquiries and people are still running my credit without my permission. 

The first item is 1 ) XXXX XXXX  # XXXX I reached out to this company and they sent me a letter in writing that it was for services they provided on my behalf to " XXXX XXXX XXXX XXXX ''. I have never been to this XXXX in California and I reached out to that company and had the vice president send me an email specifically stating that I do not have an account and never have had an account with them Those letters are attached. I spoke to the rep with Experian and told him this was very frustrating and he said this way of filing was the best option. He also advised I had new attempts at pulling my credit from experian business services twice that day and my credit was locked but I was not applying for anything and gave NOBODY permission to run my credit. I simply want that account ( XXXX XXXX # XXXX ) removed from my report because it is not mine. 

Also, I have a list of unauthorized inquires that are also listed on my Identity Theft affidavit attached. I hope the new credit freezes will prevent this from happening in the future. 

Here are the unauthorized inquiries : XXXX XX/XX/XXXX Experian XXXX XXXX   XXXX XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX already stated months ago they were removing the inquiry but never did. 
So the items are the XXXX XXXX # XXXX and the unauthorized inquiries. Thank you for your help in clearing up this matter.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX/XXXX   XXXX, XXXX  XXXX/XXXX XXXX ( account reported multiple times on my credit report ) XXXX XXXX XXXX XXXX ( account reported multiple times on my credit report ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account reported multiple times on my credit report ), XXXX, XXXX XXXX
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Equifax but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ( account reported multiple times ), XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account reported multiple times ), XXXX, and XXXX XXXX XXXX,
Consumer complaint received 2018-11-03
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. (MI)

Dates XXXX to XX/XX/2018 XXXX  XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX XXXX : XXXX : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX XXXX : Letter sent out got back with me on XX/XX/2018 with documentation with all my information stating I requested a car loan. None of those documents had my authorized signature on them. 
XXXX XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX XXXXXXXX via XXXX : Letter sent out haven't got back to me.
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

Received a buyout quote from Hyundai motor finance to purchase the leased vehicle.Sent Hyundai motor finance a cashiers check for the amount quoted by Hyundai motor finance to purchase the vehicle ( XXXX ). Hyundai motor finance cashed the check on XX/XX/2021 and we have not received the title.Despite XXXX phone calls and constant assurances that the title has been mailed still nothing.
Consumer complaint received 2018-11-03
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. (CA)

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Transunion and XXXX but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX ( Original Creditor : XXXX ) XXXX
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE, XXXX Attention : Legal Department To Whom It May Concern : This letter is in response to your letter for account : XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request.

Sincerely,
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

In XX/XX/XXXX I received an offer from Union Bank to open a priority bank acct ( checking ) and receive {$300.00} if I complied with the specifications. They were use the debit card a number of times within 60 days I think & link to mortgage which is with Union Bank. I get these offers from banks I don't know why but it is easy enough to do it & get free . The deposit requirements were nothing much & no direct deposit requirement. I went to the bank several times to try to open the acct. When they realized I was not depositing a substantial sum they were telling me no I could not do it. Each time I went home & read the requirements and I matched so returned. On maybe 3rd try I got a nice young banker who it turns out did not know what he was doing but he opened the acct. Well I was happy! But time passed & no debit card arrived. I really forgot about it until maybe XXXX or XX/XX/XXXX I became concerned maybe the card was lost in the mail so I think I called- also because no {$300.00}! They sent the card but by this time the 60 day requirement was nowhere on my mind and I went into the bank time after time to try to get it all set. In XXXX I went in for the I do not know how many time and one of  the bankers who had told me in XXXX that it was approved & the $ would be there. Their employee had fouled up & his boss " XXXX '' had approved it. So XXXX I'm back & he calls " XXXX '' and he actually initials the offer paper-OK it is done. No. I mean ridiculous. I go back in because I tried to go on online banking but their employee who opened the acct orig. never put me on online banking so they demanded I go in to the branch to get on. I got a nice banker ( different one ) & he says he will bring it up because now the initial guy is on several weeks training not available till after XXXX XXXX. OK after XXXX XXXX I'm baaaack. He says it's out of his hands it's up to " XXXX '' who is in a different office. Just by chance " XXXX '' is there! He says oh his boss said you never did anything with the acct so they are not going to give the XXXX I sent a letter to " XXXX '' s boss- nothing. I have to point out they had sent me a similar offer some years ago & I changed my mortgage to them & later did another refi. I have done my best to resolve this with them that is why I am here.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i been with b of a for 40year i had problem with credit just like bofa they were bail out by government they have re cover i have recover too all ido at bofa is put money in and take it out i been turn down for a car load 8 times for a credit card all because i list a bofa card debt redution company 7 years ago they say i can not get credit until it drop off that sham- ful i am just a number and that no t fair 40 years mean nothing they did not lose a dine with me.