davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I believe that I was a victim of the " inquiry issue ''. When I called in the gentleman in customer service was very rude. I asked to be transferred to a XXXX rep and he refused. I received no help from the rep to resolve my issue. I just want these inquires removed from my report ASAP! 

Ally Financial ( XXXX inquires XXXX American XXXX XXXX XXXX ( XXXX inquires ) suntrust Cci/ppc XXXX bank ( XXXX inquires ) Citizens XXXX auto Consumer Portolio Credo First investors XXXX XXXX XXXX cars
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

Equifax mishandled my personal information and did not have adequate redundancies in place to prevent a data breach that affected myself along with 143 million others. They also failed to inform me immediately and I suspect insider trading occurred as a result of this. They must be held accountable.
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (NY)

I am not liable for this collection. XXXX XXXX XXXX  upgraded my account with a 2 yr contract in the summer of 2012 even though I would be moving and may not be able to take the service with me. I was told I could cancel without penalty. The salesperson misrepresented themselves and XXXX. Now I am being pursued by XXXX XXXX XXXX XXXX XXXX, PA XXXX There is no paperwork except a recorded sale from XXXX Now my credit is ruined.
Consumer complaint received 2016-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (AZ)

I contacted XXXX to inquire about lowering my monthly bill. They suggested I do automatic withdrawal. I decided against having it automatically deducted so I did nothing. I continued to make my payments on the first of the month ( 2 weeks before they were due ). Six months later I decided to change service providers and was told that since I had inquired about automatic deduction ( which I did n't ) I had entered into a new contract and there was a cancellation fee of {$150.00}. I signed nothing, simply inquired about lowering my monthly bill since I am on a fixed income. I either pay or my credit rating is affected.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (DC)

Equifax allowed significant private information about me including my Social Security Number, date of birth, addresses and potentially credit card numbers to be shared with hackers, putting me at significant risk of identity theft. 

I have confirmed via the Equifax website that my information was stolen : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Consumer complaint received 2017-08-09
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: EQUIFAX, INC. (FL)

Ive already spoken to XXXX XXXX debt collection agency. they have agreed to remove this item from my credit report. but you guys have not removed it from my credit report. here is confirmation from commonwelath stating that they will remove item ( complain from CFPB portal ) in regards to XXXX XXXX Company responded STATUS Company responded on X/XX/2017 RESPONSE TYPE Closed with explanation Company 's Response To whom it may concern re. XXXX account # 's XXXX and XXXX : Please be advised that the two open accounts in XXXX XXXX ' name were reviewed fully by our office in conjunction with the consumer complaint received. In response to the consumers request for no further contact from XXXX XXXX XXXX , XXXX, we have closed both accounts and returned them to our client indicating no further contact to the telephone number/s and address for this consumer. Please note that this action also initiates deletion requests to remove all tradelines on the referenced accounts from credit reporting to the 3 major credit bureaus. We hope this addresses all concerns on the part of the consumer. Thank you, XXXX XXXX, Legal/Compliance Admin
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (OH)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (TX)

in late XXXX early XXXX I sent a letter certified, registered mail, return receipt requested, to Synchrony Bank regarding my XXXX card, in order to request a payoff amount on what they said that I owed on this credit card. They received the letter but I have yet to receive a payoff amount in the mail. they 've completely ignored me. I filed a complaint with you about this and they said that they sent me a mail they snswered my mail but I have not received anything from them. I 'm just trying to clear this up to pay it off and they are not, absolutely not, working with me at all. All I want is a payoff amount that they will accept to get this cleared up it 's not difficult, it 's not hard just a payoff amount.
Consumer complaint received 2024-08-27
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. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.

3. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account.

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-08-27
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. (SC)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2017-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Duncan Solutions, lnc. (CA)

I checked my credit report and there was a company I had never heard of. I never conducted business with. This company is XXXX XXXXt Address : XXXX XXXX XXXX XXXX XXXX, WI I wrote a certified letter to the company but I still did not receive a response.
Consumer complaint received 2024-08-27
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)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion regarding their failure to respond to my dispute concerning fraudulent accounts that have been incorrectly reported under my name. 

On XX/XX/year>, I sent TransUnion a XXXX dispute letter, requesting the removal of several accounts that do not belong to me. These accounts were falsely attributed to my credit report, and I provided detailed information and documentation to support my claim of fraud. Despite the serious nature of this issue and the clear evidence provided, TransUnion has not responded to any of my correspondence. 

As of today, more than 30 days have passed since I submitted my initial dispute, yet I have not received any acknowledgment or resolution from TransUnion. This lack of response is not only unacceptable but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate and respond to disputes in a timely manner. 

I kindly request that the CFPB intervene to ensure that TransUnion fulfills its legal obligations to investigate and resolve my dispute promptly. The failure to act on this matter is causing significant distress and potential harm to my credit standing.
Consumer complaint received 2024-08-27
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. (PA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is not sent in error, please read this seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2016-12-15
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I received an e-mail from an Attorney XXXX that I owe Ace Cash Advance {$890.00} and wanted a settlement of XXXX.and if I did not pay this I would be socked a total of {$4000.00} including all fees and attorney costs. This e-mail even had my bank account and last digits of my XXXX. I did not receive any money from this company or apply for this money.
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX/XXXX/16 I sent a payment check for {$290.00} to American Express. It showed up on my bank statement as cleared, but AMX did not show it as received. I contacted them in XXXX and they instructed me to send all bank statements to them which I did. In XXXX they said the case was closed but I was not credited for the payment. My XXXX bank contacted them and they reopened the case. I looked at the case status and they said they are investigating, again, and should have it resolved by XXXX XXXX 2016! .. the payment was made in XXXX and my bank shows that it was definitely cashed by them.
Consumer complaint received 2017-09-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Completed a Loan Modification on a mortgage and have been paying the mortgage payments consistently since XX/XX/XXXX. It was my understanding that after the modification was completed that the loan would be recorded on the three credit repositories. Note, a BK XXXX occurred, the loan was included in the BK XXXX, with the request to reaffirm the mortgage since the modification was approved and the trial period was successful. To date, the mortgage is being paid on time every month. It is unfair that these mortgage payments are not being reported to any of the credit repositories, evidencing the payment history. I would like to have these payments commencing from XX/XX/XXXX to present to be recorded with the three credit repositories. The modification process required me to execute an additional mortgage and promissory note, which was recorded at the county level so why then is this information not being carried over to the credit repositories? Any assistance you may offer would be greatly appreciated. 
The attachments supplied to this complaint show the modification balance, the payments made since the loan modification up through XX/XX/XXXX with the new escrow balance being required. ( Note : WF Paid outstanding water liens on the property which were missed during the modification closing - in order to clear them, I requested that payment is made to the City so that everything was clear from the property ) An increased payment will commence in XX/XX/XXXX. 

Thank you for your efforts in advance and I do hope that this matter may be resolved quickly.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (WA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (NC)

Hello, So I applied for an XXXX card around XXXX of this year. My account with Chase was put on hold for review. I got a call and answered some security questions, they told me that I was going to get another call in the next 24 hours. Never got the call. Called several times after to get my account cleared, stayed on hold for over an hour many times. On three different occasions I was told by Chase representatives that I successfully completed the identity verification but they could not unlock my account, so I was supposed to get another call in the next 24 hours. They put all my accounts on hold, but that is not all. I also have a British Airways Visa card from Chase, I had put a few bill payments on it a couple months before this happened and I paid it in full. About two months ago I received an email from my bill payment service that I had disputed a few transactions, which I never did and I told them that. Long story short, my payment provider lost the claim and we lost over {$3000.00}. I called Chase several times but they do not want to speak, hold times for the fraud department are really long, when you do get a hold of someone they can not help. I do not care if I kept the accounts with Chase, but they crossed the line. They disputed a transaction on my behalf without my consent, right now I have to pay my payment provider over {$3100.00} for something that Chase stole from me. Please help me.
Consumer complaint received 2016-12-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank continues with it 's deceptive overdraft fee practices. There 's no reason why an account needs to be delayed with charges from my debit account. When I charge something at a store, the store will decline if there 's not enough money in there. If I do a point of sale purchase, the money should come out immediately. TD bank delays the actual posting so that if a larger charge comes through later, they can charge a {$35.00} per item fee. TD bank has charged me thousands of dollars of OD fees and most are for charges less then {$10.00}. How is it fair that they can charge {$35.00} for any overdraft amount, even less then {$1.00}. I have asked them several times to update my account so that charges go in the order they 're made however TD Bank has stated they thought the larger charges were more important to the customer - that should not be up to the bank. I also noticed that my account started getting charged for business fees and come to find out that my account is a business account. I emailed them stating I never opened a business account that my account was a personal checking account and that they should correct that and reimburse me all the fees charged for the business account, however they did not respond and continue to charge me these fees.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

I have a hospital bill from XX/XX/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a XXXX to a XXXX. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is {$780.00}, not {$790.00} as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this drastically affects me in a negative way. thank you Old address XXXX XXXX, NJ XXXX New address XXXX Route XXXX, NJ XXXX
Consumer complaint received 2016-12-15
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I am paying on medical bills monthly. The company I was paying sent me to collections because I did not set up a payment plan with them. I was told if I did not pay the full amount within XXXX days they would send to collections. Since I have so many bills piled up, I can only pay a small amount each month. I have not been sent to collection in the past and have/had very good credit. Now my credit score is decreasing because XXXX of the bills I have been regularly paying on that sent me to collections. Thanks to our XXXX insurance plans we are required to carry, I am now swimming in debt. Why do some companies allow partial payments and some do not? Does n't seem fair.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (IN)

My personal information was stolen through Equifax to include but not limited to my SSN, DOB, address, and potentially my DL #. Also possibly bank information. All of my data is now in the public. This took place XX/XX/XXXX and I am just finding out as of XX/XX/XXXX. I have applied for credit monitoring but even that is n't even available for me until later next week ( see attachment ).
Consumer complaint received 2017-05-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION (FL)

I have accounts on my credit report that keeps revolving from the collection agencies that owed the accounts.   They are duplicate accounts, and when asked the collection agencies for a detailed statement of the accounts, they never provide it. They ca n't provide, because its the same account reported twice with the same amount on my credit bureau.   The amounts are the same, there are  XXXX  accounts with the same duplicate account. The date this collection agencies are using its the date they bought the account.