davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Subject : Request for Immediate Access to My Free Annual Credit Report - Asserting My Rights under FCRA Dear TransUnion, I am writing to express my dissatisfaction regarding the ongoing dispute that I have with your company. While I understand that there may be unresolved issues, I would like to remind you of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, I have the right to access my free annual credit report at any time, regardless of whether there is an active dispute in progress. This right is fundamental to my ability to monitor and manage my credit profile effectively. Denying me this access is a violation of my rights as a consumer, and it is both disappointing and unacceptable. 

I urge you to rectify this situation promptly by providing me with immediate access to my free annual credit report. Furthermore, I request that you review and familiarize yourselves with the provisions outlined in the FCRA to ensure compliance moving forward. 

Please consider this communication as a formal request and a reminder of my rights under the FCRA. I expect a timely and satisfactory resolution to this matter. Failure to do so may result in further action being taken to protect my consumer rights. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I Have no knowledge of this account, XXXX XXXX ACCOUNT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states NONE of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2023-05-22
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: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY (MA)

Today 's mail had a letter and other materials for an " automatic upgrade to the Wells Fargo Visa Signature Card '' from XXXX XXXX XXXX, Senior VP, Credit Card. Unfortunately, the materials consisted of XXXX words in very small fonts explaining the " benefits '' of the program. The main cover letter contains confusing and sometimes contradictory wording. We called Wells Fargo customer service, XXXX, in an attempt to get some clarity about what was being offered. The representative on the phone was unable to help, seeming unfamiliar with the offer. All I really want to know is what is different about this card being offered compared to the card we have right now. The obfuscation here is mind-boggling!
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (IL)

I FILED MY XXXX TAXES WITH A TAX PROFESSIONAL AND I GIVING THEM MY DIRECT DEPOSIT INFO TO HAVE MY REFUND DEPOSITED THERE SOME WAY MY DIRECT DEPOSIT INFO WAS CHANGED SOMEONE OPENED UP A NET SPEND PRE-PAID CARD IN MY NAME WITH MY SOCIAL SECURITY NUMBERS AND HAD MY TAX REFUND SENT THERE AND THEN SPENT ALL THE FUNDS I CONTACTED NET SPEND WHO COULDNT TELL ME WHERE THE PREPAID CARD WAS MAILED TO OR RECOVER BACK ANY OF THE FUNDS THEY SAID I ACTIVATED THE CARD. THEY SAID ON XX/XX/XXXX THE CARD WAS ACTIVATED FROM A PHONE NUMBER. IP ADDRESS OR DEVICE LINKED TO ME AND WOULD NOT ISSUE THOSE FUNDS BACK TO ME THEY CLOSED THE ACCOUNT ON XX/XX/XXXX THE DEPOSIT WAS MADE ON THE CARD XX/XX/XXXX XXXX HAVE CONTACTED THE IRS TO DO A TRACE ALSO FILED A POLICE REPORT AND A REPORT WITH THE FEDERAL TRADE COMMISION I ALSO PROVIDED NETSPEND WITH PROOF OF MY ADDRESS.
Consumer complaint received 2016-09-14
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Advantage Financial Service LLC (Idaho) (ID)

I am going to be mailing in a complaint about Advantage Financial Services, a collection company in XXXX, ID. They have in the past tried to collect medical bills from my wife and minor daughter. They also violated other parts of the FDCPA. I have discribed each violation and will including all the and supporting documents. What am looking at now is robo-signing by Advantage Financial and their attorney has to know what they are doing.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I Have no knowledge of this account, XXXX XXXX ACCOUNT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states NONE of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2015-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX/XXXX/2015 I sent a dispute to Transunion disputing an inaccurate account balance, results came back that they verified the account, I then sent a method of verification letter to them on XXXX/XXXX/2015, they sent sent back a frm letter stating what the process is, I was not given the data furnishers name or contact information. I have the original documents and certified mail receipts sent to transunion that can be faxed in for proof. My next step is filling a lawsuit. The only acceptable outcome now is for the lien t be deleted
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements.
Consumer complaint received 2016-07-31
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (TX)

XXXX XXXX sold my file to AD Astra Recovery Services. This was paid and has been disputed with AD Astra several times. They reported on all XXXX credit bureaus, received an attorney letter plus has been disputed with all XXXX credit bureaus since XXXX 2011 and they refuse to remove it. Statute of Limitations in Texas is 4 years. They are a debt buyer illegally reporting
Consumer complaint received 2023-05-24
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. (IL)

I previously disputed an account that is reporting to my credit file that is falsely reporting. The account is still on my credit despite my previous request for the deletion. I contacted XXXX XXXX XXXX XXXX and they stated that the account is not open and should not be reporting to my credit file. XXXX XXXX generated documentation as proof that I was removed from the account 2 years ago and that they can not update XXXX or Transunion because I AM NOT ASSOCIATED with the account in question. The account number is XXXX and the creditor is XXXX XXXX XXXX XXXX. The amount is {$20000.00}. Please delete the account immediately!
Consumer complaint received 2015-08-18
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Javitch, Block & Rathbone LLC (CA)

When I was visiting my investment properties in XXXX, XXXX, XX/XX/XXXX an attorney attempted to serve me with a court order to answer the claim of XXXX XXXX outstanding credit card that I supposedly owed. I answer the court order, explaining that I could not attend any court hearings in XXXX due to my employment obligations in XXXX. I have been a XXXX resident for the last XXXX years and only occasionally visit XXXX, XXXX to conduct on site examinations of my investment properties. Another Court hearing was rescheduled by the Plaintiff attorney. XXXX XXXX XXXX request to XX/XX/XXXX. I again answered the Court Order, explaining that there was no way I could attend the hearing, due to the same reason, my employment in XXXX. Well the hearing was conducted without my presence, and the Plaintiff appealed to the Judge for judgment against me. Judgment was granted, and a lien was recorded against my real estate for {$2700.00} dollars. During the course of this fiasco the Plaintiff produced modified XXXX XXXX statements to the court for viewing, for the years XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX all showing my billing address to be XXXX, XXXX. During those years I had never lived in XXXX and to this day I have never lived in XXXX, for more than XXXX months at a time. 
On XX/XX/XXXX I presented a request to the Court, to have the Court Order dismissed and the lien removed, based on the following facts ; that the hearing was presented in the wrong judicial jurisdiction, submission of inaccurate bank statements falsely representing Defendant 's residence, and the expiration of the Statute of Limitations of XXXX Laws governing written contracts to be XXXX years, not XXXX years like in XXXX. Also there was never a mention of the arbitration clauses that were presented in the XXXX XXXX contract with the Defendant as possible options for settling the debt. 
In closing I would like to say that throughout these proceedings XXXX XXXX XXXX XXXX ignored my pleads of defense and at the end acted unethical in his actions and demeanor to have this case won in his favor. Again the arbitration clauses were never brought up. 
I can produce additional supportive documents if necessary to prove my claims.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MD)

I signed up for the AMEX Platinum card during a card holder bonus sign up offer where you get XXXX Membership Points if you spend {$3000.00} or more within the first 3 months. According to representatives I live chatted and contacted via phone several times, the first 3 times of contact, they told me I had spent around {$3400.00} for the first two times of contact, and the third time of contact, which was the week before my 3 month period came up, the representative told me since I had refunds made on the account, my new total was {$3000.00}, which is over the {$3000.00} spend so I should be getting my bonus points ... that never happened. I called a few weeks later, the fourth contact to amex customer service, and now the rep told me that my spend did not meet the minimum spend of {$3000.00} and that my total spend was just shy of it at {$2900.00}. This rep told me that my case would be forwarded to a supervisor for review, and she called me back a few days later telling me there 's nothing that she can do about it and that it 's a automatic process. This rep also told me that my total spend was around {$2700.00}. I do n't understand this miscommunication here, if I was told that I did n't meet the minimum spend the first 3 times of contact, I would have went ahead and spent the difference, qualifying for the promotional sign up bonus. There should be no reason that I 'm quoted a different total each time I 've called or been contacted. It literally makes no sense that my total went from {$3000.00} to {$2900.00} to {$2700.00}. There was XXXX refunds and credits done between the contacts between customer service, so I 'm not sure what 's going on, but I 'm missing XXXX points which I should 've gotten but I did n't because of some serious miscommunication. I understood the first jump between XXXX {$3400.00} to {$3000.00} because there was indeed a refund/credit, but the next 3 times makes absolutely no sense at all.
Consumer complaint received 2023-05-23
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. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP (VA)

I used Elan Financial 's XXXX XXXX to inquire about a credit line increase. Their poorly laid out website was missing vital information to allow me to make an informed decision which resulted in an unauthorized hard credit inquiry. There was not adequate disclosure that a hard inquiry would occur if I used their website. I did not authorize a hard inquiry. The website was confusing and did not state ANY inquiry would be made. They made a decision ( which I 'm fine with - I take offense to the fact they did a hard inquiry without my permission. I would not have proceeded if I saw that a hard inquiry was going to occur ). After their decision, they sent me a denial letter and XXXX of the reasons for their decision was that they did not have my last two year tax returns to verify income - but there was nowhere to submit them online or an effort by Elan to request the tax returns. Clearly, they have no controls in place over their website information intake process. I am confused why they would of done a credit inquiry if they did not have the information necessary to make a decision ( the 2 years of tax returns ). 

I have never missed a payment on any of my credit cards ever and had XXXX +year history with XXXX XXXX the company that ELAN financial purchased my account from. I also have XXXX XXXX and XXXX branded credit cards and they clearly state when a hard or soft inquiry will be conducted explicitly on their website. 

I called the number on the letter, and said I was making an oral complaint and wanted the inquiry removed. The woman I spoke to said they could n't take oral complaints and could not help me. I pressed her and she put me to an escalated representative ( XXXX XXXX XXXX ). XXXX could do nothing for me either. I asked him where it clearly said in the letter sent by Elan that it requested the tax returns. His response that one could assume from the letter because they put their mailing information on the letter. 

Correspondence from financial institutions to their customers should be clear and concise. There is no room for assumptions. I told XXXX I would be escalating to the CFPB and he did not care. I did ask him if he knew who the CFPB was - could n't tell if it was training issue or what. He suggested I write a complaint the office of the president in ND. 

I take my credit very seriously. Elan Financial is not on par with its competitors when it comes to technology which resulted in an unauthorized hard credit inquiry. I wonder how many other people have had this happen. I want the hard inquiry removed from my account for all credit bureau agencies. 

I would also suggest clearer disclosures on their website and better training off their associates with respect to credit reporting.
Consumer complaint received 2023-05-24
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. (AZ)

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. OnXX/XX/2021 Transunion added a derogatory mark on my credit report showing a bankruptcy being furnished from the courts, But TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by Transunion has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA TransUnion has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

Because they failed to validate the debt in the timeframe allotted according to the FDCRA and other applicable laws this item was legally deleted from my file. After my wife filed a claim against them with CFPB stating that had failed to validate her debt and therefore should remove it from her credit report, they in turn RE-INSERTED the erroneous information on my credit report on XX/XX/2016. Select Portfolio Servicing has worked overtime to ruin our life with their fraudulent reporting. They have further sought to even comply with the law in reporting to the credit bureaus and have cause me irreversible harm.