davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX I spoke with a representative @ XXXX to report my previous address were incorrect. They representative told me the addresses were removed. I just received a copy of my credit report and the incorrect previous address are still reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX never been my address Date Reported : XX/XX/XXXX - not factual I was living in XXXX XXXX TX XXXX XXXX XXXX XXXX MS XXXX This is my mother in laws house I have NEVER LIVED there. Date Reported XX/XX/XXXX XXXX. XXXX XXXX XXXX MS XXXX This XXXX. XXXX is not mine it belong to my husbands family in the late XXXX I was a child, was unaware of my husbands family at that time. Date Reported XX/XX/XXXX My spouse history is not Mine Transunion and XXXX   keep telling me that these address are associated with accounts which is not factual. All of my creditors have a XXXX XXXX Texas address and a XXXX MS address.
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On the dates listed below, I communicated with TransUnion via Certified U.S. Mail. I requested the following actions : ( 1 ) I notifed them that an account shown on my credit report was the result of fraud. I asked that the fradulent account be investigated and removed. ( 2 ) I provided documentation showing my current and correct address requested that it be updated. Neither of these two ( 2 ) requests have been updated or corrected. This, despite, my requesting, in writing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the most recent : XX/XX/XXXX. I provided copies of my Florida Driver 's License, Current Employer Pay-Stub, Credit Union Monthly Account Statement and copy of my XXXX Federal Tax Form. Lastly, on XX/XX/XXXX and on XX/XX/XXXX. I requested in writing, again, using Certified U.S. Mail and paid the XXXX ( XXXX ) dollar fee with a U.S. Postal Money - yet, the Security Freeze has not been placed on my Transunion Consumer Credit Report.
Consumer complaint received 2018-02-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (CA)

I was told my interest rates would be low and I wasn't told about a Principal and I was told with each electronic payment from my bank account the payment would be subtracted from the amount I owe. I requested for a {$10000.00} loan but all I received was {$9400.00} and they started billing me for {$10000.00}. Every month since it was started they take out {$390.00} from my bank account. I went online to check my balance and it had not went down but up. I called to ask what was going on and the person I spoke to could not tell me why and he also could not tell me why I did not receive the whole amount I had initially asked for, but they are having me to pay for {$10000.00} loan. I have paid three times on this loan of {$390.00} and the next payment is XX/XX/2018 that they will be taking out of my bank account. I was lied to and they are just draining me out of my money at this point what they are doing I will never be able to pay off this loan. I am so tired of getting the run around. Car note loans, Students etc never raise the balance after you pay on them but this company is not fair taking my money and continuing to raise the balance. It was suppose to be a fixed rate of 4.99 %
Consumer complaint received 2018-02-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

The Law offices of Mitchell , XXXX XXXX XXXX XXXX XXXX , XXXX , TX XXXX  , filed a collection account with XXXX XXXX on XX/XX/2017 . This has just come to my attention this morning . They claim that there client is XXXX XXXX XXXX . I do not owe any money to these entities !
I do not have an account with XXXX XXXX XXXX , I never signed any credit application nor did I guarantee payment of any nature to XXXX XXXX XXXX .
I did not submit my social security number to XXXX XXXX XXXX or this alleged law firm . I have not seen any paperwork supporting any claims , I have had no explanations , I have received no phone calls , just a bold faced lie publish on my credit report .
I am outraged that someone in this day and age can file a false claim , invade a consumers private credit report and publish false claims resulting in public embarrassment and tarnish ones reputation .
Consumer complaint received 2017-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

i had secured credit card with wells Fargo. early this year they have closed the account with out telling me ( its ok ). they were supposed to refund me my security deposit and it never took place it has been more than 8 months and I have not received funds back from these XXXX. I have filed complaint with you about 3 weeks ago and nothing took place on Monday I am filing law sit against wells Fargo. they have been advice and they are ignoring me. and as for CFPB you are doing nothing to help the  consumer. they can not come up with XXXX excuses over and over and over and not refund my money. I do n't have any judgments.
Consumer complaint received 2018-02-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Re : Complaint Number XXXX I have previously filed a complaint to you with regards to the refusal of Bank of America/XXXX XXXX to honour my instructions on being able to gain access and withdrawing my funds. Bank of America has emailed and written to me that there are no account records pertaining to my name. I have provided proof that the accounts exist as I've recently wired funds to one of my accounts in XX/XX/XXXX. The funds can't just vanish. I've also tried to contact the banker, XXXX XXXX in charge of my account via text message and she has refused to reply to me. There was an agreement between both of us that I will wire additional funds to my account and that they will, in return, wire back some of my funds to me on XX/XX/XXXX. They never did. I've tried to call her number in XX/XX/XXXX but there was no answer. I've been told by someone that the accounts have been closed without my permission or without informing me and the funds have been moved to another institution. In short, I've lost all my funds that I've remitted from XX/XX/XXXX through XX/XX/XXXX. I have tried to call the US Trust office in CA and the person said there are no account records which supports the letter saying such. I don't know what are the rules and procedures for retaining records of account owners. As far as I'm aware, banks in XXXX and generally in XXXX require records to be kept for six years from date of account closure. This is mandated by the regulatory authorities.
Consumer complaint received 2018-02-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have an auto loan with XXXX XXXX XXXX. It was opened in 2014. I have made timely payments for the past 9 months, and they are not accurately reporting the on time payments to the credit bureaus, however, if I make a payment late, they are prompt in reporting the late payment. I have contacted the creditor directly, however, all they are able to tell me is " I have emailed the credit reporting department. '' And this is still to no resolve.
Consumer complaint received 2018-02-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have an auto loan with XXXX XXXX XXXX. It was opened in 2014. I have made timely payments for the past 9 months, and they are not accurately reporting the on time payments to the credit bureaus, however, if I make a payment late, they are prompt in reporting the late payment. I have contacted the creditor directly, however, all they are able to tell me is " I have emailed the credit reporting department. '' And this is still to no resolve.
Consumer complaint received 2018-02-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

I have an auto loan with XXXX XXXX XXXX. It was opened in 2014. I have made timely payments for the past 9 months, and they are not accurately reporting the on time payments to the credit bureaus, however, if I make a payment late, they are prompt in reporting the late payment. I have contacted the creditor directly, however, all they are able to tell me is " I have emailed the credit reporting department. '' And this is still to no resolve.
Consumer complaint received 2018-02-05
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: EQUIFAX, INC. (OH)

I filed a chapter XXXX Bankruptcy on XX/XX/2011. When I went to check my credit report recently there was something from XXXX XXXX XXXX   which was included in my bankruptcy and should not be on there anymore. I don't know why its still showing.
Consumer complaint received 2017-10-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: URS Holding, LLC (VA)

On XXXX XXXX XXXX, 2017. I called XXXX XXXX and was forwarded to the third party collection XXXX XXXX. Once forwarded to XXXX XXXX, the representative stated the introduction. And I verified the debt information ( last four of the social ). The rep stated the balance on the account. I stated to the rep that, that the balance that she stated to me is the amount that I was told previously. Instead of offering the dispute the representative, wanted for me to take the settlement instead.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.
Consumer complaint received 2018-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC (TX)

I received a " second notice '' letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX Registered as XXXX XXXX XXXX XXXX saying that they've tried to contact me. I have not received any other letters or phone calls from this company. The letter mentions that I owe {$330.00} to XXXX XXXX XXXX XXXX XXXX, which I also have never heard of, but XXXX can accept a discounted amount to resolve this account. At first, I thought this must be a scam. I googled what to do and decided to write a letter to request validation, but checked my credit report first. XXXX reported it to the CRA on XX/XX/XXXX and the credit report states the source is a medical bill from XX/XX/XXXX ( so they evidently gave them some information about the source, but not me ). I will need more information to determine if the debt is legitimate or whether it was paid. Medical billing is often confusing, untimely, and difficult because of all the parties involved and I'm concerned the claim is so old, I will be unable to find any records. I am now divorced and no longer have access to the same bank account/credit card/etc. 
However, it was wrong of this company to lie about attempting to contact me, make a damaging report without the opportunity to validate or dispute the claim, and to do so on something so outdated.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.
Consumer complaint received 2018-02-05
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: TENET HEALTHCARE CORPORATION (FL)

XXXX XXXX XXXX FOR OVER A YEAR NOW HAS BEEN REPORTING ON MY CREDIT REPORT. FILED COMPLAINT IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANY VALIDATION ON DEBT REPORTING. THIS DEBT CONTINUES TO BE REMOVED FROM XXXX/XXXX/ XXXX   THAN REPORTED AGAIN SHOWING MORE THAN ONE OF THE SAME ACCOUNT CENTRAL FINCL CONTROL HAS NOT SHOW LICENSE NUMBER NOR INFORMATION FOR COLLECTING IN MY STATE
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

I have a priceline rewards visa signature card which is serviced by Barclays. My rewards program says I get 2 % cashback on all purchases and when I redeem the cashback as a statement credit against travel purchases I get a 10 % redemption bonus. I have been using the card for several years and I get this bonus almost instantaneously as I redeem the cashback towards an eligible purchase. 

On XX/XX/XXXX I redeemed XXXX points ( {$120.00} ) against a hotel booking purchase and I was supposed to get XXXX points ( {$12.00} ) as redemption bonus as per terms of the program. I have redeemed against booking for the same hotel in the past and got the redemption bonus in the past. This time I didn't and so I called customer service within minutes of making the redemption. I spoke to operator with ID coeafr who assured me that I will get the bonus when my current statement closes - I questioned the operator as this made no sense as I used to get this bonus instantaneously in the past to which I was given no satisfactory answer and that I will get it once my statement closes. My statement closed but no luck so called again on XX/XX/XXXX and spoke to operator with ID XXXX who said I need to wait for another day for the credit to reflect. Again I asked why its not instantaneous this time and no answer. I called again on XX/XX/XXXX and spoke to operator with ID coemvm who said the same thing - wait for a few more days. This time I insisted a formal case be started as I can't keep calling back and its a drain on my time. The operator logged case number XXXX and promised me that I will get a response within 7-10 business days. Fast forward to XX/XX/XXXX, an entire month after the initial issue, no response on the case I had filed. I called customer service again. The first operator transferred me over to another operator with ID XXXX. The other operator said she can not do anything to help me with this case either and transfer me over again. 

Basically customer service is playing a game of passing the parcel until the customer gets fed up and gives up. I spoke to several agents and not one made an attempt to figure out what the issue is and just wanted to defer the issue to another time as that would involve another operator. I have already spent a lot of time speaking with customer service ( and waiting in line ).
Consumer complaint received 2024-10-29
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. (MA)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :
Consumer complaint received 2018-02-05
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. (WA)

XXXX  is still continuously reporting high incorrect balances and current balances are being changed from paid in full to high balance that is incorrect. I was never late on my XXXX account, and also you will see I have paid both accounts off in full. They do not allow the consumer to dispute online or via any way period. They are corrupt, along with XXXX, and TransUnion. During the recent Government shut down, they especially took advantage of the down time, denying consumers access to reports, disputes, or any attempt period to have a fair credit report. I am trying to purchase a home for me and my family and they are purposefully at this point breaking the law by not allowing the consumer access to their own reports, along with no access to dispute incorrect information. This is how smart they are, you can't even pay to have access. LOL kind of defeats the purpose of being in business, or am I taking crazy pills here?
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THI IS NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (AZ)

XXXX XXXX acct # XXXX, financed a car I purchased for {$13000.00}. I put {$2000.00} down payment and after making payments of $ XXXX/mo for a year the payoff balance was still approximately {$13000.00}. This predatory loan was impossible to refinance. It was never disclosed that the loan was intetest only upfront before any principle was paid. This loan would cost approximately {$23000.00} for a {$13000.00} car. Had this been disclosed as required by law I would have declined. This is textbook racketeering.
Consumer complaint received 2018-02-04
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 — Investigation took more than 30 days
Company: American Credit Acceptance, LLC (GA)

in XX/XX/XXXX I Financed a car thru American credit acceptance, and I also got GAP insurance. Around XX/XX/XXXX the I was in a car accident and the car was totally. So I called my insurance company and my Gap insurance to file a claim. And for GAP insurance to Process your claim you must be up-to-date on your payment. so my GAP insurance paid the car off. But American credit acceptance informed the creditbureau it was a Delinquent account and it also charge off, but update it to paid charge off. They also wont do real Investigation. They sent me my payment history. No notification on how they perform the investigacion or the outcome. And they Refused to investigate the matter. I received a letter from them in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Stating that they would not investigate when they did not do one. And the Information reported to the credit reporting agencies is correct.