davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This is an ongoing problem. Transunion continues to avoid the CFPB process and lies in its responses. This is the last time I try this route. if they don't respond on the merits I will start a lawsuit. 
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Here is the history : I applied for credit with XXXX XXXX XXXX in Wisconsin and was denied because Transunion had a credit freeze on my report. I never placed a freeze on my report. I called Transunion and after a long time on the phone they disconnected me. I went on line to their process for removing a credit freeze and after filling in all the required information it said " unable to verify identity '' and I could not gain access to remove the freeze. I called the phone number listed for website problems and was assigned a user ID XXXX and told to email Transunion with various documents which I did. The first response was they had trouble opening the documents- likely because they were encrypted. The documents were resent in PDF format and there was no response. I asked several times if they were able to open them. After a while I received a Secure Message from Transunion that said I could remove the credit freeze on line. However, the whole point was I could not gain access to do so. 
Then without a request on my part, Transunion sent a copy of my credit report and it says " Suppressed ''. My father who is an attorney wrote to Transunion 's general counsel and he never responded. I have attached the identification documents Transunion asked for originally as well as a copy of my credit report that shows it as being suppressed. I am still unable to access Transunion online. and it has refused to respond to the substance of three prior CFPB complaints filed on my behalf. 

Her is Transunion 's latest response- as anyone can see the response has no relationship to my complaint : " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. We have mailed a copy of your TransUnion credit report to the current address we have on file for you. 
In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX  CARD SERVICES-VERIFIED AS REPORTED. '' As my complaint reflects I never asked anything about XXXX card services- and in fact nothing appears on y credit report, a copy of which is attached, as it is suppressed.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

Collection company listed as XXXX XXXX and the creditor XXXX  XXXX have deliberately REINSERTED an old debt ( Acct # XXXX ) that was previously DELETED from my credit files in XX/XX/2023. The account is currently being listed twice for {$790.00} ( XXXX XXXX for XXXX XXXX ) and {$320.00} ( XXXX XXXX ).
Consumer complaint received 2024-02-07
Product: Credit 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: GOLDMAN SACHS BANK USA (NJ)

In XX/XX/year>, I had contacted XXXX XXXX XXXX XXXX ( XXXX ), a Canadian company, to ask questions I had about an upcoming trip where I had to visit Canada. XXXX XXXX and Waiver Services mislead me, telling me I needed paperwork to enter Canada that I later found out was not needed. When speaking with XXXX, I was advised that they would be adding 2 services to my file because it looks better, but I can cancel the 2nd service after receiving the first but would have to wait until XXXX. I specifically asked if I could cancel after my trip in XXXX, they said yes. After my trip in XXXX, I called to cancel the second service and after being passed around to multiple people, I was told they are refusing my request. I asked them to review our calls where I was specifically told I had to wait until after XXXX to cancel, but could cancel after XXXX. They reviewed the calls, ADMITTED I was told this information, but told me they are not going to refund me. I was also on a payment plan for 10 months starting in XXXX, but was charged in full over XXXX transactions in XXXX. I contacted Apple Card Services ( Goldman Sachs bank ) to dispute the charge. There was some confusion as the charge was for {$2000.00} CAN, and it was spread out over 2 payments. Because I was being charged for 2 services but only proceeded with one, I was only trying to dispute the one service. My dispute is repeatedly being denied, although multiple customer service agents assure me it will be taken care of. I have sent information over and over including the payment plan that I was supposed to be charged for, the paperwork that was never completed, and the initial paperwork I signed stating it can be canceled at any point. This is for the {$2000.00} CAN on the paperwork, as I was not disputing the {$1600.00} charge ( which are the first 2 {$800.00} showing on the payment plan ). Although I was mislead about both services, they did the work for the {$1600.00} service NOT the {$2000.00} service.
Consumer complaint received 2024-11-06
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NC)

To whom it concerns, I have had this Chase freedom account for approximately XXXX years. Somewhere around 2009. I wrote a balance transfer check. I do not know the date or the amount as I am unable to go back in my account that far. For the past XXXX years, Chase has not applied XXXX XXXX towards the balance that remained after the promotional period ended. Which is in violation of the card member agreement. 
According to my math, I have been overcharged interest and cash advance fee in the area of approximately XXXX. I have made a XXXX phone calls, trying to address this with Chase, and have received some unbelievably ridiculous answers, all of which have proven to be unhelpful. According to the card member agreement, payment allocation applies to highest interest/lowest interest/oldest balance. This balance of XXXX  has been on the account for over XXXX years and has not been paid down by XXXX cent. 
Starting in XXXX after XXXX phone calls again Chase has started allocating approximately XXXX dollars monthly to this balance, which still violates the terms of the card member agreement. 
This balance has been on this account for more than XXXX years and is 100 % the oldest balance on this account.With purchases and payoffs and interest and fees over XXXX years I am requesting that Chase present the math along with an explanation as to why this has yet to be paid off in more than XXXX years.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

BOA closed my account after receiving transaction disputes claim on XX/XX/XXXX. It was stated that I would receive balance on account after disputes were settled. They were settled and on XX/XX/XXXX received letter stating XXXX was permanently back in my account and again that was XX/XX/XXXX. Spoke with BOA today and they said my account balance is only about XXXXXXXX XXXX and that it was being mailed. If my accounts were closed in XXXX and I had XXXX credited back to my account? Then if account was closed in XXXX like boa said the how did my account get charges of XXXXXXXX XXXX after XX/XX/XXXX? To me this is simple theft and being the CFPB did nothing to help me the first time I expect that again here. My bank stole money from my account plain and simple. Again, knowing CFPB is lazy and did nothing before but helped boa rip me off, I expect them to do it again here. Only doing this as a formality so I have paper work to show and recordings of phone calls for Washington State Attorney general and lawyer. Again I will thank you for nothing CFPB because you and I both know you help banks XXXX over the small business guy and this complaint and my last complaint prove it. America truly does XXXX.
Consumer complaint received 2023-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

I have been a XXXX XXXX XXXX XXXXXXXX. I have supplied various XXXX XXXX XXXX  forms over the years since the program 's inception in XXXX. XXXX was among one of those loan companies. 

My loan information was transferred to the company mentioned in this complaint in XX/XX/XXXX. My payment counts were updated in XX/XX/XXXX. The years XXXX are missing from the count. I am most positive I have made the required XXXX payments needed for forgiveness. I have worked for the same employer since XXXX. 

The company handling my loans has told me on several occasions I will need to wait another 90 days every time they resubmit my account information for updated payment counts. My issue is why it has to be recounted more than twice. Why can't someone stay working on it long enough to figure out the problems with the missing years?
Consumer complaint received 2024-11-06
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. (AZ)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$6400.00} XXXXXXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} INQUIRIES XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (PA)

EOS CCA placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. 

I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX.
Consumer complaint received 2024-11-06
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. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-12-21
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. (FL)

I'm writing because of two accounts : name : XXXX/XXXX account number:XXXX date opened : XX/XX/XXXX Original creditor put that i was late in XX/XX/XXXX, but i always pay my bills on time, i was calling to original creditor, they accepted my dispute, but i see that late payment still showing there, i'm very stressed about this situation, because as you can see, i pay on time during 7 years. 


Second account is : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX During Covid-19 banks didn't work in proper way. I got problem with XXXX because they did mistakes with my payment. Affected by Natural or Declared Disaster ( e.g. COVID-19 ). 
I called to XXXX, they were agree with my dispute, but agent asked me to sent letters to all bureaus, i sent letters, but i see, that late payment, which were made in XX/XX/XXXX, still on my credit report
Consumer complaint received 2020-12-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2020 I sent the letters to this beauty in accuracies on my credit report. It has now been over 60 days and I still have no response. I understand that there is a pandemic and the bureaus have up to 45 days to make and challenge all information reported on my credit report.I have even sent letters informing them of the investigation and still no response. I feel as if I was a victim of the equifax Data breach. I am unable to continue with furthering my success with these negative items on my credit report according to Law 611 if the item is not verified it must be deleted
Consumer complaint received 2020-12-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BYL Collection Services (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-06-25
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. (FL)

After checking credit report I found out fraud activity and accounts which are not belong to me. However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts. 
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
I uploaded my personal information like SSN, DL, Proof of the address and Identity Theft where all fraud accounts were listed. Please remove them as soon as you can.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (FL)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Employer - XXXX XXXX  Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX  XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AmeriCollect (AR)

I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX XXXX mo ) XXXX XXXX XXXX, XXXX, I presume than no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Consumer complaint received 2024-02-06
Product: Vehicle loan or lease — Loan
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: WELLS FARGO & COMPANY (RI)

I purchased a vehicle in XXXX and got a loan through Wells Fargo. I was living in XXXX at the time. I later moved to XXXX XXXX and re registered the car there. The loan was paid off around XXXX. Wells Fargo has clouded the title to my vehicle ever since then. I have asked them to electronically release the title with XXXX on several occasions but they refuse to. They then provided me with a lien release. XXXX  will not accept this as the title must be release electronically. I have called Wells Fargo several times. They keep stating that XXXX XXXX said that XXXX just needs to transfer title to XXXX XXXX. XXXXXXXX will not do that as they need the lien released electronically. I sold the vehicle not realizing all of this. The new Buyer wants to register it in XXXX  and can not do so without the lien released from the title. I have now had to repay {$1000.00} to the Buyer of my vehicle because of Wells Fargo 's refusal to release a lien that I paid off over 10 years ago and have proof of payoff for. They are holding my vehicle hostage.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

on XX/XX/2020 I sent letters to Equifax, XXXX and XXXX stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy Court and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them on XX/XX/2020. they have also exceeded the time allotted by law to remove these items off my credit file
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AL)

In 2021 We had a business account and preform work for a customer who came in our business once the work was completed and saw it was completed we ran his debit card for the amount of XXXX and he then was given a receipt to him and we had a copy that he signed for our records to only to have the customer dispute the charges after he left our business. 
Wells Fargo then was contacted made aware of the situation but still took the money out of our account for two weeks we went back and forth with them. Then they put the money back in our account to only come back a month later and took the amount back out of our account after we thought the issue was resolved, then when we contacted them again about it they told us after a investigation was done that they decided in the customer behalf and there was nothing we could do they consider this issue closed. 
Let me add that the hole reason customer had a issue was bc he consider the bill to high not bc the work wasn't satisfactory but it was to much. Wells Fargo then left us without the XXXX but also put us XXXX overdrawn in the account to go against us and our business.