davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-11-13
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. (GA)

XXXX XXXX XXXX has request to have the {$5200.00} secured loan removed from my credit report, as it was incorrectly added due to a data breach. However, Transunion has yet to remove it after over 20 attempts made by myself and the creditor. I demand that this be removed from my Transunion credit report immediately, as it is not accurately reporting, nor does it aligned with the other credit bureaus. Transunion has caused me extreme hardship, as this incorrect information has negatively impacted my credit score, preventing me from securing housing. I am in desperate need of shelter, but constantly denied due to Transunion 's negligence.
Consumer complaint received 2024-11-13
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. (FL)

I was reviewing my credit report and noticed multiple inquiries from your company that I dont recall authorizing. This has me really concerned, as theyre affecting my credit score and causing unnecessary stress.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have disputed the late payment status reported on the account XXXX XXXX XXXX with XXXX and Equifax for several attempts to no positive result. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.
Consumer complaint received 2018-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (CA)

The account is Syncb/XXXX XXXX, the primary account holder filed bankruptcy and i was never notified about this account never owned an XXXX XXXX card or account and i have never bought any furniture 's from them. when i call them and given my information they have no record of me, they keep switching me to different departments. this account shows closed/derogatory/revolving on my XXXX credit report. i disputed this account on XXXX  and XXXX and has been removed from my account. i have disputed this account thru XXXX and nothing has been done. all i need is help am trying to by a home and this one account is not helping at all, it shows as closed but is still impacting my credit i would like to get it removed completely. so far no one has been able to answer my questions or even help.
Consumer complaint received 2018-05-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: STIFEL FINANCIAL CORP. (MO)

We wanted to make sure it was known that after a thorough search of options, we selected to apply for a VA Home Loan with XXXXXXXX XXXX XXXX XXXX. Everything sounded great, and there was absolutely no mention that the loan would be sold until we found it in the edocument disclosures to sign. Their online system actually scans past all of the disclosure information and sends you straight to the signature line. We had to scroll back up to read all of the information in the disclosures. ( Luckily, we did that because there were several errors. ) Needless to say, in the middle of all of the disclosures is when we found out the loan would be transferred. This is what we consider to be another shady practice of Stifel, and we think that the mortgage officer should have talked to us about the transfer up front. We should have known before we decided to lock in our rate and push forward with closing with Stifel that they would not hold our loan.
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I called the debt collections agency XXXX XXXX XXXX to resolve this issue, because the debt is not mine. I told XXXX XXXX XXXX that the debt is not mine, but they will not remove the three debts originally two from XXXX dated XX/XX/XXXX for {$160.00}. The second is also from XXXX dated XX/XX/XXXX for {$690.00}. The third is from XXXX XXXX dated XX/XX/XXXX for {$590.00}. Three of which I have never had. Please help me remove the debt from my credit.
Consumer complaint received 2018-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (UT)

I logged into my Chase bank Account using my well known computer, verifying my account access using a text message Chase sent to my phone. Then using the same known MAC address computer, I set up a wire transfer from MY Chase savings account to MY XXXX checking account, and again verified this transaction with a text message from Chase. 

Chase then locked me out of my account. 
I was told I had to physically go into a branch. 

I had a XXXX XXXX but went in, and took precautions hoping to not transmit my cold. 
At the XXXX XXXX branch, XXXX closed my 1 account ( Savings ) and I left. He had viewed my license and a credit card and verified my identity. My checking account is still closed however, and I am told by the central located agent I have to go into a branch again. I called the XXXX XXXX. Branch and XXXX said he had tried to call me and the number went to voice mail. I have no voice mails, nor do I have any record of his branch phone number. I am still sick, and now must go to another branch potentially infecting people. I am not used to a Bank lying and blocking access to my own money. 
Being a small entity, I have no recourse except you and my social network. I am adding my name if there is a list of patrons with similar complaints.
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (AZ)

I would like to reopen the case # XXXX because Wells Fargo bank is NOT investigating and looking to see if the charge on my credit card is valid. I had a service that was paid but I did not get the service, I raised the issue multiple times with WF and every time they come up with a different reason not to investigate the case. Every time they assign a person to the case and they disappear for a week and then comes with different answer. First they said I received the service and the clinic sent them agreement with the procedure crossed out so WF will not see it, they never investigated why the clinic crossed out the service instead they deny the dispute. I explained to them that the clinic crossed out because they denied my treatment and they called the police to me so I did NOT get correction or followup on the procedure which they crossed out. After informing Wells Fargo and wake them up about the clinic behavior they disappears for a few days and then another person came from WF saying because it is medical treatment then we are not investigating it, so why then they allow people to use credit card for medical treatment, doe not make sense at all. In another response from WF they said we will give you {$300.00} so they can avoid the dispute and avoid spending the time and effort to investigate but I paid {$1200.00} not {$300.00}. There is customer rights under credit act and if the service is bad or not done then a refund must be issued but WF does not follow the credit card customer rights, I need my money back, I have police report, I have proofs or service that was not done and also I have proofs of WF not doing his job in looking after people who charge credit cards without doing the service. 
I attached the police report shows that the clinic stopped me from going to the clinic to correct and followup on my bad XXXX. I also attached two certified XXXX  stating that the procedure has to be redone.
Consumer complaint received 2024-11-13
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. (DC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-05-02
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. (GA)

XXXX XXXX, and XX/XX/XXXX. I disputed errors within my credit report showing alleged debt. Ive sent letters showing open accounts on collections, past due balances on collection, debt validation/ verification letters of alleged debt with break down of each item. I only received a computer generated response that it was verified and updated but no proof of my wet signature, verification of debt, name and number of person spoke with to prove alleged debt. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681,15 USC 1681 a ( 3 ), 15 USC 1692g Verification of debt, 15 USC 1692 b-c Communication in connection to debt collection, and 15 USC 1692j . 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

I know I don't deserve this erroneous information that Equifax is placing on my credit report. I have always been a responsible payor. I am very disappointed because they never fix this account, I'll repeat the account XXXX XXXX is not paid late..CFPB please do something to fix it
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX has report false, wrong information on my credit report Fraudulent information That I didnt apply for or ever use their services my identity Was used this is not my account by law it need to be removed
Consumer complaint received 2018-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

They keep calling saying PNC BANK regarding XXXX  app approved. Ask to call back XXXX XXXX to verify. I called back and asked them to stop calling and remove me I didb't apply for a loan. They keep calling.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The vehicle was damaged due to hurricane XXXX. The insurance company stated that it was going to be a total loss. I had not received any written communication from the finance company about my loan what was paid to the loan my repayment options no information what so ever but they reported a late payment to my credit report and stated it was charged off. This is absolutely unprofessional and was mishandled by this institution. I want the derogatory remark removed and the item updated on my credit report to show it was totaled due to a storm. I want written correspondence that I should have gotten. Shame on XXXX XXXX XXXX XXXX. I just started the home purchasing process and this is ridiculous.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (FL)

On this date XX/XX/XXXX I contacted the Financial Hardship Dept. of Discover Card, XXXX asking to be enrolled in the Payment Assist. Program because I can no longer afford paying Discover {$97.00} a month, I was denied of the right to have access to the assistance program stating that XXXX does not have such a program and they could only lower the interest to 12.99 % if the account was suspended and I have to disclosed my bank account information and pay them immediately another {$97.00} before the due date of my next monthly bill which is XX/XX/XXXX. Please investigate as I find Discover Card has corrupt business practices and should not deny assistance when a consumer initiates the first step in good will to stay in good standing. Thank you.
Consumer complaint received 2024-11-13
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. (NY)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of XXXX XXXX. 

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2018-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (MA)

XXXX XXXX has reported to credit rating agencies that I had late payments for a credit card account that I did not know existed. 

In XX/XX/XXXX, I bought 2 pairs of pants for {$74.00} at XXXX XXXX. At the checkout counter, the cashier asked me if I wanted to get an XXXX XXXX card which I thought was a Rewards Card ( not a credit card ). I said OK and then was asked to provide my XXXX XXXX card and I assumed that the purchase was going on my XXXX XXXX card. 

I never received an XXXX XXXX credit card and I never received any bills from XXXX XXXX 

In XX/XX/XXXX, XXXX XXXX  sold the account to another lender. 

In XX/XX/XXXX ( over 9 months later ), I first became aware of the XXXX XXXX credit card account when a copy of the XX/XX/XXXX bill was provided to me by the lender that purchased the account. I immediately settled the account in full with the new lender. I also observed that the copy of the XXXX XXXX bill had an incomplete address which is the likely reason that I never received any bills from XXXX XXXX. 

On XX/XX/XXXX, I began the application process for a mortgage on a condominium purchase and was shocked to learn that my credit report contained a number of negative items such as late payments and charge off status. These items were all from the XXXX XXXX   credit card account that I never knew existed. I have always prided myself in paying all my debts in full before their due dates and was expecting to see this reflected in a strong credit score. Instead, the XXXX XXXX credit information has negatively impacted my score in a significant way.
Consumer complaint received 2018-10-12
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. (NV)

Please remove the charge off status on the accounts listed here.. THe accounts were never a charge off, I paid them on time and were satisfied as agreed. I disputed the accounts with Equifax but they did not help me..This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions
Consumer complaint received 2018-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (IL)

Hello good morning I called us bank yesterday and explained my situation and family emergency to a wonderful guy whos name I forgotten but he was very nice as I spoke to him I explained that my grandmother had a recently XXXX as she was detected a XXXX   and some problems with her XXXX as a lot of things got complicated with her health. And that is the reason why I cant pay the overdraft fee that they charge me and that now my account is negative the gentle man was really nice and he said that unfortunately he couldnt help me out or proceed with any wave payment because the overdraft fee was still pending and could not allowed him to move forward and ask me kindly to call back the next day or 2 days after so that once the overdraft had completed posting I could call back and ask anybody else to help me. He would have done it him self if the overdraft fee was not pending still he understood my concern and most likely he would have waved he fee for me as he understood my situation and hat I could not afford to pay the overdraft fee and that I also never thought that he charity I gave to Church was going to be process with the check as soon as onlybone day wen it usually takes 3 days for a check to clear out
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX I noticed several errors on my consumer report and is disputed the errors to get them corrected. I have never had any late payments and Experian is showing that I do. I asked them to investigate and they say they verified the accounts but have not shown any proof. Who did you speak with? What documentation do you have proving that my payments were late? An investigation includes them speaking with people and gathering information, not e-Oscar, which I dont consent to. Please re-investigate and make sure my report is 100 % accurate. As of right now Experian has violated my consumer rights by not doing a fair and complete investigation. These are the accounts to re-investigate as well as the dates they have me marked as late because I have never been late. XXXX XXXX ACCT # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX ACCT # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ACCT XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX ACCT # XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ACCT XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ACCT # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-04-18
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (DC)

In reference to Complaint # XXXX and Wells Fargos response I STATE the following. 
I did contact the Relevant State Agencies, as referenced by Wells Fargo, but was told that the BANK DID NEVER TURN IN THE MONEY IN QUESTION. they urged me to forcefully demand it from Wells Fargo.
Consumer complaint received 2024-11-12
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. (IL)

XXXX XXXX ( XXXX ) account opened without my consent. 
Victim of Identity Theft fraudulent account opened without my consent. 
I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable. 

This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records. 
Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness. 
Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days.